Suspended License Insurance — Oregon

Oregon requires SR-22 filing with 25/50/20 minimums for 3 years after a DUII or uninsured driving conviction. You may be able to drive during suspension with a Hardship Permit—available for DUII and points suspensions after 30 days, but requires proof of essential need, ignition interlock installation, and SR-22 coverage.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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State-Mandated Minimum Coverage · Oregon

Oregon Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$20,000

License Reinstatement Fee$75

Meeting the state minimum keeps you legal. See whether it's enough — get your Oregon quote.

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Coverage Types

Hardship Permit Eligibility

Oregon allows a Hardship Permit that lets you drive for essential purposes during suspension—but only if your suspension qualifies. DUII and points suspensions are eligible after 30 days; unpaid-fine and child-support suspensions are not.

SR-22 Non-Owner Policy

Non-owner SR-22 provides liability coverage when you don't own a vehicle but need to satisfy Oregon's SR-22 filing requirement. Costs less than standard SR-22 because it excludes collision and comprehensive.

Full Reinstatement Process

Reinstatement requires paying fees, completing any mandated courses or retests, filing SR-22 if required, and in DUII cases, installing ignition interlock. Processing time varies—DUII reinstatements often require mail or in-person processing at Oregon DMV.

DUII-Specific Requirements

Oregon uses the term DUII (Driving Under the Influence of Intoxicants) rather than DUI. DUII convictions trigger administrative and judicial suspensions, SR-22 filing, ignition interlock, and higher reinstatement fees.

Implied Consent Suspension

Oregon's implied consent law (ORS 813.100) triggers automatic DMV suspension if you refuse a breath test or test at 0.08+ BAC. This suspension is separate from any criminal conviction and runs concurrently or consecutively depending on timing.

Continuous Coverage Requirement

Oregon requires continuous liability coverage for registered vehicles. Carriers report policy cancellations electronically to Oregon DMV, triggering registration suspension if you let coverage lapse.

Frequently Asked Questions

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