Oregon SR-22 Insurance: Who Needs a Filing and for How Long
Yes — Oregon uses the SR-22. How long it stays on file: 1–3 years, by offense.
- Used in this state
- Yes
- Form
- SR-22
The statutes never say "SR-22". They require a "future responsibility filing" made with a certificate of insurance (ORS 806.240, 806.270). DMV calls that certificate an SR-22 and accepts owner, operator and on-behalf-of versions.
- How long it must stay on file
- 3 years
Three years is the general term, and the fixed term after a DUII conviction, which also raises the required limits to $50,000 / $100,000 / $10,000 (ORS 806.075). A filing required after a conviction for driving uninsured now ends after one year: SB 840 cut that period from three years to one on January 1, 2026 (ORS 806.010(4), 806.245(2)). For a filing that follows an uninsured crash the statute reads the same way, but DMV's own reinstatement table still prints three years — ask DMV which applies to your case.
- What triggers it
- Conviction for driving uninsured · Being in a crash while driving uninsured, or owning the vehicle in an uninsured crash · Conviction for driving under the influence of intoxicants (DUII) · Conviction for certain other traffic crimes under ORS 809.411 · Applying for a hardship driver permit
- If coverage lapses
- License suspended until a new filing is made
The certificate must state that the insurer will tell DMV of any cancellation within 10 days (ORS 806.270). DMV then suspends the driving privileges, and the suspension runs until a replacement filing is made (ORS 809.415).
- Reinstatement fee
- $85
Raised from $75 to $85 on January 1, 2024 by HB 2100 (ORS 807.370(10)). Sources that still say $75 are out of date.
Oregon requires 3 years — the highest of the 37 jurisdictions on this site. The range runs from 1 year to 3 years.
How Oregon compares with every other state
Every statute cited for Oregon
What changed
January 1, 2026
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
Why the rule looks like this
- What Changed in 2026Liability minimums doubled in Hawaii, two states dropped pure comparative fault, New Hampshire stopped inspecting cars, and three crash reporting thresholds moved — a dated account of the 2026 changes, and the ones already signed for 2027 and beyond.
- The Fine Is the Cheapest PartA first-offense fine for driving uninsured runs from $30 in Florida to a $1,500 floor in Delaware — but South Carolina's $100 fine arrives with a $700 reinstatement fee, and the reinstatement is usually the bigger number.
- The Form Some States Do Not UseAn SR-22 is a certificate, not a policy — and in New York, Pennsylvania, Massachusetts, Maryland, North Carolina and Michigan the form does not exist at all.
More on Oregon
Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.