SR22 insurance is a special high-risk insurance that involves the filing of an SR22 form with a state's DMV (or equivalent agency). The SR22 form serves as proof of insurance. If a state considers a driver to be high-risk, then the state will require that driver to keep an SR22 form on file, in order to ensure that the driver will be financially responsible if he or she is ever in an accident.
The State of Oregon requires SR22 insurance from drivers who are caught drunk driving (DUII) or caught without mandatory liability insurance. If you do not own or have regular access to a vehicle, and you have an SR22 requirement, then Oregon allows you to purchase non-owner SR22 insurance.
If you get a DUII, you will probably be required to install an ignition interlock device in any vehicle that you drive. This also applies to those drivers who enter into diversion agreements.
In order to fulfill your ignition interlock requirement, you will need to either own or have regular access to a vehicle. Therefore, if you are under an ignition interlock requirement, you need to file owner's SR22 insurance, not non-owner's.
If, at the conclusion of your ignition interlock requirement, you still have an SR22 requirement, and you no longer have regular access to a vehicle, you may qualify for non-owner SR22 insurance. Be sure to talk to your insurance company about this scenario if and when it happens.
The State of Oregon requires SR22 insurance for 3 years from the end of your driver's license suspension. This is a long time to pay too much money. Take advantage of our free online quote tool in order to find the best rates available in Oregon.
Your SR22 insurance must be provided by an insurance company that is licensed to sell insurance in Oregon. You can find those companies by entering your Oregon zip code into our online quote form:
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If you have further questions about Oregon non-owner SR22 insurance, you can contact the Oregon DMV directly at 503-945-5400. You can also email them via their online contact form.
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