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Oregon Non-Owner SR-22 Insurance

Many people who live in big cities like Portland — and some people who live in Oregon’s more rural areas — choose not to buy cars. These individuals may still want to drive even if they don’t have vehicles of their own.

If you are one of these people and you’re also a high-risk driver, you still need to get car insurance. You also have to submit proof of that insurance to the state in the form of a non-owner SR-22 certificate.

At Select Insurance Group, we source insurance quotes from a range of carriers so you can find the one that suits your needs. You can find lower prices when comparing quotes, even if your driving history isn’t perfect. We’ll help you discover non-owner insurance that suits your needs.

Do You Need an SR-22?

An SR-22 is a form that provides proof your insurance meets the minimum liability set by the state. It’s not a policy in itself, but rather a certificate. Your insurance carrier will send the SR-22 to the Driver and Motor Vehicles division of Oregon’s Department of Transportation. Once the SR-22 goes on file, you can get a license reinstated.

Many high-risk drivers need SR-22s to get back to driving. You may require one if you:

  • Owned a vehicle that lacked insurance at the time of an accident.
  • Were convicted of driving without insurance.
  • Had your license suspended or revoked for another reason.

A non-owner SR-22 is for people who don’t own a vehicle and only need minimum liability coverage. Drivers may pay more for auto insurance if they own a vehicle because it needs its own coverage. Non-owners only need to insure people and property damaged in an accident, not the car they drive.

Requirements for Non-Owner SR-22 Insurance in Oregon

Oregon sets minimum liability coverage levels at:

  • $50,000 for bodily injury per accident.
  • $20,000 for property damage.
  • $25,000 for bodily injury per person.

If your policy lapses for any reason, including failure to pay, the insurance company will notify the state. The length of the SR-22 requirement will reset. So if you needed to have your SR-22 for three years and your policy lapsed at 23 months, you would go all the way back to needing three years. It’s essential to make sure your coverage is up to date.

Cost of Oregon Non-Owner SR-22 Insurance Coverage

The cost of an SR-22 certificate comes in addition to the price of your auto insurance. It can vary based on your driving history, your age and other factors. Usually, you can find SR-22 for around $25 per month. Select Insurance Group can often find non-owner insurance quotes that are even lower.

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Get a free online personalized quote and learn more about coverages, money-saving discounts, and more.

Contact Our Licensed Insurance Agents

Our licensed SR-22 insurance agents are here to answer all your questions and take your application over the phone. Call us at (855) 438-7353.

Contact Us Today to Get Oregon Non-Owner Insurance Quotes

Your driving record aside, Select Insurance Group can help you find affordable rates on auto insurance and SR-22 forms. We specialize in SR-22 insurance, and we can help you navigate the requirements for your state. Fill out our online quote form to get started. You can also call us at (855) 438-7353 with any questions.

*The information provided on this website has been developed by Select Insurance Group for educational and informational purposes. We do our best to ensure that this information is current and accurate, however the information might not be applicable to all situations. Coverage and rates subject to terms, conditions and availability. Policy issuance is subject to qualifications.