How Getting an Oregon DUI Impacts Auto Insurance | Focus 1 Insurance Group

How Getting an Oregon DUI Impacts Auto Insurance

Driving under the influence, or “DUI,” can result in an immeasurable loss of life. For this reason, penalties for drinking or using substances when behind the wheel are severe, usually including expensive fines, loss of license, and/or prison time. In Oregon, a DUI conviction also has a negative impact on a driver’s auto insurance policy.

High-risk SR22 Insurance

A shot glass next to a set of car keys

Oregon drivers who have a DUI conviction must enroll in a high-risk auto insurance program called “SR22.” With this type of restricted policy, the driver must maintain minimum insurance coverage as required by state law. The Department of Motor Vehicles will receive a certificate of minimum coverage from the person’s insurance company, which will be kept on his or her driving record. In Oregon, this includes at least the following levels of coverage:

  • $25,000 per person and $50,000 per accident in bodily injury coverage
  • $20,000 per accident in property damage coverage
  • $15,000 per person in personal injury protection
  • $25,000 per person and $50,000 per accident for uninsured motorist coverage

If this minimum coverage is not upheld, the insurance company will notify the state Department of Motor Vehicles and the driver’s license will immediately be suspended. Most drivers who have a DUI conviction must carry an SR22 policy for three years. If coverage is not continuous during this time period, the three-year limit will restart when the policy is reinstated.

Increased Premium Costs

Getting a DUI in Oregon also increases the premium cost of one’s auto insurance policy. reports that the average cost of an SR22 policy is 89 percent higher than a standard minimum policy, representing an annual cost increase of about $1,300 a year. As with other types of auto insurance policies, drivers who have a DUI can shop around for the lowest premium rate, bundle different types of insurance coverage, and/or opt for a higher deductible to have a lower monthly premium.

Focus1 Insurance Group can provide auto insurance coverage for all Oregon drivers, even those who have a DUI conviction. Our team prides itself on helping our customers find the best possible insurance rates for the policies they need. Request a free quote online or call us at 541-772-3120.