Until now, the State of Oregon DMV would require you to submit an SR22 certificate from your auto insurance company to prove you have insurance. That filing would remain in effect for three years from the date the no-insurance conviction is entered into the system. Beginning January 1, 2026, if a driver is convicted of failure to provide proof of insurance at the time of a traffic stop, the court will order the Oregon DMV to require an SR22 for only one year. So far, no mention of any change is being made for drivers convicted of no insurance prior to that date.

Another significant change is the elimination of any suspension after a driver is involved in an uninsured accident. The DMV has always automatically suspended a driver for one year after a report is submitted declaring no insurance was in place at the time of the accident, regardless of fault. If no other offenses were committed besides failure to carry insurance, the driver will no longer be suspended or have to apply for a Hardship Permit.

If the driver additionally committed more serious offenses, then the DMV will be ordered by the court to suspend the driver’s license or privileges for a period determined by the type of crime or infraction.