Pennsylvania SR-22 & High-Risk Auto Insurance
Pennsylvania requires 15/30/5 liability coverage and is a no-fault state.
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Pennsylvania at a Glance
15/30/5
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$70
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
These minimums are among the lowest in the nation and rarely sufficient for drivers with prior at-fault accidents or violations. The state requires SR-22 filing for DUI convictions, multiple serious violations within a short period, driving uninsured, and license suspensions related to traffic offenses. Pennsylvania also mandates first-party medical benefits coverage for all drivers.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
First-Party Benefits
Property Damage Liability
Cost Overview
$23/mo
Typical monthly rate in Pennsylvania, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- SR-22 filing requirement: The filing itself adds minimal cost, but the underlying violations triggering SR-22 cause the premium increase
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Occupational Limited License (OLL)
application fee $88, about 20 days to process.
A coverage lapse is reported
The state acts on a lapse after 31 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 insurance in Pennsylvania?
Pennsylvania requires SR-22 filing for 3 years from the date of conviction or filing. The requirement can extend longer for repeat offenses or if your coverage lapses during the filing period — any lapse restarts the full 3-year clock. PennDOT notifies you when the requirement ends, but confirm directly before canceling SR-22 to avoid suspension.
What happens if my SR-22 insurance lapses in Pennsylvania?
Your insurer must notify PennDOT within 10 days of any policy lapse or cancellation. PennDOT suspends your license immediately, and you must refile SR-22 with a new policy and pay reinstatement fees. The 3-year SR-22 requirement restarts from the new filing date, potentially adding years to your requirement period.
Which insurance companies offer SR-22 in Pennsylvania?
Non-standard carriers specializing in high-risk coverage typically offer SR-22 filing in Pennsylvania. Standard carriers like State Farm, Geico, and Progressive may decline or non-renew drivers with SR-22 requirements. Work with an independent agent who has access to multiple non-standard carriers to compare rates and filing processes for your specific violation.
Do I need SR-22 for a suspended license in Pennsylvania?
It depends on the reason for suspension. PennDOT requires SR-22 for suspensions related to DUI, driving uninsured, habitual offender designation, or failure to maintain financial responsibility. Suspensions for non-payment of fines or child support do not trigger SR-22. Check your suspension notice or contact PennDOT to confirm SR-22 requirements before reinstatement.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Pennsylvania's 15/30/5 minimums are insufficient for serious accidents — consider 50/100/50 or higher if you have prior at-fault claims.
SR-22 Filing
Certificate filed by your insurer proving continuous coverage to PennDOT. Required for DUI, driving uninsured, or habitual offender designation for 3 years minimum.
Uninsured Motorist Coverage
Covers your injuries and damages if hit by an uninsured or underinsured driver. Pennsylvania requires insurers to offer UM/UIM, but you can reject it in writing.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease a vehicle.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, hitting a deer. Pennsylvania sees high deer-strike frequency in rural counties.
First-Party Benefits (Medical)
Mandatory coverage providing at least $5,000 for medical treatment after an accident, regardless of fault. Part of Pennsylvania's choice no-fault system.