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What changed in Oregon

Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inOregon, when, and where to verify it.

Every state we cover, in one feed: what changed across the country · RSS

  1. January 1, 2026

    Driving uninsured

    Automatic one-year suspension for an uninsured crash repealed

    SB 840 rewrote ORS 809.417(2). DMV no longer suspends a driver for a full year simply because the driver was in a crash while uninsured. A suspension now follows only if the driver fails to make a financial responsibility filing within 30 days of the crash, and it ends as soon as the filing is made. Guides that still promise a flat one-year suspension are describing the pre-2026 rule.

    2025 Or. Laws ch. 415 (SB 840) § 44

  2. January 1, 2026

    SR-22

    SR-22 after a driving-uninsured conviction cut from three years to one

    SB 840 amended ORS 806.010(4) so that a person convicted of driving uninsured must file and maintain proof of financial responsibility for one year instead of three. The three-year term still applies to DUII filings under ORS 806.075, which also require higher limits of $50,000 / $100,000 / $10,000.

    2025 Or. Laws ch. 415 (SB 840) §§ 43, 45

  3. January 1, 2024

    Coverage lapse

    Reinstatement fee raised from $75 to $85

    HB 2100 raised the fee in ORS 807.370(10) for reinstating suspended or revoked driving privileges from $75 to $85, along with most other DMV fees. Sites that still quote $75 for getting an Oregon license back after an insurance lapse are out of date.

    2023 Or. Laws ch. 232 (HB 2100) § 1

  4. January 1, 2018

    Crash reporting

    Crash report threshold raised from $1,500 to $2,500

    SB 35 raised the property damage figure in ORS 811.720 and ORS 811.745 from $1,500 to $2,500. ODOT may raise it again every five years to track the regional consumer price index, but has not done so, so $2,500 is still the current threshold.

    2017 Or. Laws ch. 189 (SB 35) § 1

What this list does and does not cover

Recorded here: changes to the rules this site tracks for Oregon — liability minimums, SR-22 and proof-of-insurance requirements, penalties for driving uninsured, the fault system, what a lapse costs, new-resident deadlines and crash reporting. Each entry names the session law or statute that made the change and the date it took effect, not the date it was signed.

Not recorded: rate filings, individual insurer decisions, court rulings that do not change the text of the law, and changes to rules outside those seven subjects. A short list does not mean a quiet legislature — it means little moved in the parts of Oregon law a driver has to comply with.

A change that has passed but has not yet taken effect is not shown as current anywhere on this site. It sits on the Oregon pages as a dated pending value and replaces the current figure on the morning it comes into force. You can see every pending change across the country at the top of the national change feed, and the sources behind the Oregon figures on its statute index.