Work License Insurance
Get a Quote

Portland Restricted License SR-22 Insurance

Drivers approved for Oregon's restricted license program typically pay $130–$220/month for SR-22 coverage in Portland, 15–25% above Eugene and Salem due to urban congestion and theft rates.

Compare Portland Auto Insurance

Rates From Carriers Serving Portland, Oregon

Police officers conducting a traffic stop with a person next to a dark SUV on a tree-lined road

Updated April 2026

See all Oregon auto insurance rates →

What Affects Rates in Portland

  • Restricted license holders commuting into downtown via I-5 or east through the I-84 Columbia River Gorge corridor face higher collision exposure. Portland's approved route restrictions limit detours, forcing work-permit drivers through high-density zones during peak hours. Carriers price this congestion risk into SR-22 premiums.
  • Ice storms and blizzard conditions close I-84 through the Gorge multiple times per winter, with events in January 2024 shutting down the corridor for over 30 hours. Restricted license holders cannot deviate from approved routes during closures, increasing non-compliance and accident risk. Non-standard carriers adjust rates accordingly.
  • Portland's vehicle theft rate runs significantly above Oregon's suburban and rural counties. Restricted license holders parking at job sites in East Portland and outer Gresham neighborhoods see elevated comprehensive claims. SR-22 policies with collision and comprehensive coverage reflect this urban crime density.
  • Portland drivers on restricted licenses work with the same non-standard SR-22 carriers as DUI cases: Bristol West, Dairyland, Direct Auto, GAINSCO, The General. Not all carriers recognize Oregon's restricted license endorsement, narrowing the comparison pool and pushing rates higher than in smaller Oregon cities.

Find out exactly how long SR-22 is required in your state

Coverage Recommendations

Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.

Restricted License SR-22

Portland's dense commute corridors and limited approved-route flexibility increase collision risk for work-permit drivers, raising SR-22 premiums.

$130–$220/month

Estimated range only. Not a quote.

Non-Owner SR-22

Portland drivers using TriMet or employer vehicles can maintain restricted license compliance without owning a car.

$45–$80/month

Estimated range only. Not a quote.

Liability Insurance

I-84 Gorge corridor accidents and downtown pedestrian density make Portland restricted license holders higher liability risks.

State minimum included

Estimated range only. Not a quote.

Occupational License Insurance

Oregon uses 'restricted license' terminology, not 'occupational license,' but the concept and SR-22 filing requirement are identical.

Same as restricted license

Estimated range only. Not a quote.

Nearby Cities

Frequently Asked Questions