Car Insurance After a DUI in Oregon: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Oregon increases car insurance rates by an average of 76%, raising a typical full coverage policy from $1,746/year to $3,073/year. That's an increase of $1,327/year ($111/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Oregon
Before DUI
$146/mo
$1,746/year full coverage
After DUI (+76%)
$256/mo
$3,073/year full coverage
Cheapest Companies After DUI in Oregon
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $190/mo | $2,274/yr | Military families |
| Erie Insurance | $202/mo | $2,428/yr | Rate lock guarantee |
| GEICO | $210/mo | $2,520/yr | Clean driving record |
| Progressive | $225/mo | $2,704/yr | Telematics savings |
| State Farm | $233/mo | $2,796/yr | Good students |
| Travelers | $243/mo | $2,919/yr | Multiple discounts |
| Nationwide | $266/mo | $3,196/yr | Bundling home + auto |
| Farmers | $277/mo | $3,319/yr | Signal telematics |
| Allstate | $287/mo | $3,442/yr | Accident forgiveness |
| Liberty Mutual | $302/mo | $3,626/yr | New car replacement |
USAACheapest
Monthly
$190/mo
Annual
$2,274/yr
Best for: Military families
Erie Insurance
Monthly
$202/mo
Annual
$2,428/yr
Best for: Rate lock guarantee
GEICO
Monthly
$210/mo
Annual
$2,520/yr
Best for: Clean driving record
Progressive
Monthly
$225/mo
Annual
$2,704/yr
Best for: Telematics savings
State Farm
Monthly
$233/mo
Annual
$2,796/yr
Best for: Good students
Travelers
Monthly
$243/mo
Annual
$2,919/yr
Best for: Multiple discounts
Nationwide
Monthly
$266/mo
Annual
$3,196/yr
Best for: Bundling home + auto
Farmers
Monthly
$277/mo
Annual
$3,319/yr
Best for: Signal telematics
Allstate
Monthly
$287/mo
Annual
$3,442/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$302/mo
Annual
$3,626/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Oregon, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Oregon
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Oregon
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Oregon
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $256/mo | +76% |
| Year 1 | $245/mo | +68% |
| Year 2 | $228/mo | +57% |
| Year 3 | $201/mo | +38% |
| Year 5 | $168/mo | +15% |
| Year 7 | $146/mo | Normal |