A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In Oregon, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Following such a conviction, insurance providers may consider the driver to be high-risk, which often results in increased premiums. On average, insurance rates can go up by approximately 80%, although the exact increase can vary based on the insurance company and the specifics of the driver's record. If a driver accumulates multiple DUI/DWI convictions, it becomes even more challenging to find an insurance carrier willing to provide coverage, and the rates offered may be prohibitively expensive. Additionally, Oregon law mandates a license suspension for DUI convictions, which further complicates the ability to obtain affordable insurance. Drivers with a suspended or revoked license due to a DUI/DWI may be required to file an SR-22 form, a certificate of financial responsibility, to prove that they have the minimum liability insurance coverage required by the state.