If you’ve been required to carry an SR-22 certificate in Oregon, but don’t own a car, non-owner SR-22 insurance can be your solution. This type of policy allows high-risk drivers to comply with state financial responsibility laws and driving requirements.
Below, we’ll explain everything you need to know about getting non-owner SR-22 insurance in Oregon, including:
- What is non-owner SR-22 insurance?
- Oregon SR-22 requirements
- Cost of non-owner SR-22 insurance
- How to get an SR-22 without a car
- The best insurance companies for SR-22
What is Non-Owner SR-22 Insurance?
An SR-22 is a certificate that your insurance company files with the state to prove you have sufficient auto insurance coverage. It is sometimes required after serious traffic violations like DUI.
Non-owner SR-22 insurance specifically provides liability coverage for drivers who do not own a car, but need to carry an SR-22. It can apply in these situations:
- You sold or transferred ownership of your car, but still need SR-22 coverage
- Your license was suspended and you no longer have a vehicle
- You drive vehicles not registered in your name
With non-owner SR-22 insurance, you will be covered when driving other people’s cars or rental cars. But it does not provide coverage for damage to the vehicle itself.
This type of policy satisfies state requirements for high-risk drivers who cannot obtain regular car insurance.
Oregon SR-22 Requirements
To get an SR-22 in Oregon, your non-owner insurance policy needs to meet the state’s minimum liability coverage requirements:
- $25,000 bodily injury per person/$50,000 per accident
- $20,000 property damage per accident
- $25,000 uninsured motorist bodily injury per person/$50,000 per accident
- $15,000 personal injury protection
You must maintain these coverage limits for 3 years in Oregon if required to carry an SR-22. Let your insurance company know you need an SR-22 filing, and they will submit the certificate directly to the Oregon DMV.
Cost of Non-Owner SR-22 Insurance in Oregon
On average, non-owner SR-22 insurance costs $200 to $500 per year. However, costs vary significantly based on your:
- Driving record
Insurers also charge a one-time $15 to $25 fee when initially filing the SR-22 form. And they typically add a high-risk surcharge, increasing rates by 25% to 100% over standard policies.
So while non-owner insurance is generally cheaper than regular car insurance, your rates will still be higher than normal if you need SR-22 coverage.
How to Get Non-Owner SR-22 Insurance
Getting non-owner SR-22 insurance involves following a few key steps:
1. Shop for quotes
Compare quotes from at least 3 insurance providers to find the best rate. National companies like Progressive, Geico, and State Farm offer non-owner policies.
2. Choose a minimum coverage policy
Select a non-owner policy that includes the minimum liability coverage limits and types required in Oregon. This ensures it will satisfy SR-22 requirements.
3. Request SR-22 filing
Contact your insurer and request they file Form SR-22 with the Oregon DMV certifying you have adequate insurance coverage.
4. Pay initial premium and fees
Make your first policy premium payment. You will also need to pay the insurer’s SR-22 filing fee.
5. Verify SR-22 filing
Contact the Oregon DMV to confirm they received the SR-22 from your insurance company.
6. Maintain coverage
Keep your policy active to satisfy the SR-22 requirement. Notify your insurer if you cancel the policy or it lapses.
Best Insurance Companies for Non-Owner SR-22
The top insurance providers for non-owner SR-22 coverage in Oregon are:
Progressive – Offers affordable rates and online quotes/purchasing for convenience.
Geico – Discount opportunities can help lower rates for high-risk drivers who need SR-22.
State Farm – Large insurer with local agents who can walk you through the SR-22 process.
Allstate – Accepts high-risk drivers and has agents with expertise in SR-22 policies.
When comparing companies, be sure to get multiple quotes. Rates can vary significantly between different providers.
Alternatives to Non-Owner SR-22 Insurance
If you need to drive regularly, there are a couple alternatives to a non-owner SR-22 policy:
Standard car insurance – You can purchase a regular car insurance policy for a vehicle registered in your name, then ask your insurer to file the SR-22.
Operator’s policy – This covers you when driving vehicles owned by family members. It provides broader coverage than non-owner insurance.
However, if you do not own or primarily operate a vehicle, non-owner SR-22 is your best option to satisfy Oregon’s insurance and financial responsibility laws.
Can Someone Else Insure a Car for You?
You cannot list someone else as the main driver on an insurance policy if they need their own SR-22 but do not have a car. Their name must be on the policy getting the SR-22 filing.
So you cannot purchase insurance in your name on a car that the high-risk driver would primarily operate just to obtain SR-22 coverage for them.
The Bottom Line
Getting non-owner SR-22 insurance involves finding the right policy to satisfy your state requirements, purchasing coverage, and having your insurer file the SR-22.
In Oregon specifically, you need a non-owner policy with minimum liability limits of 25/50/20, 25/50 uninsured motorist coverage, and $15,000 PIP. Shop around to find the most affordable rates.
Maintaining non-owner SR-22 insurance for the required time period shows financial responsibility and allows you to legally drive in Oregon. This can ultimately help you reinstate your license or driving privileges after a serious violation.
Non-Owner SR-22 Insurance
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