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Pennsylvania SR-22 & High-Risk Auto Insurance

Pennsylvania requires SR-22 filing for DUI convictions, repeat violations, and uninsured accidents. The filing requirement lasts 3 years and costs $15–$50 to file, but high-risk premiums average $2,200–$4,500 annually depending on violation type and driving history.

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Updated July 2026

State Requirements

Pennsylvania requires minimum liability coverage of 15/30/5: $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage. Drivers convicted of DUI, caught driving without insurance, or accumulating multiple violations face SR-22 filing requirements mandated by PennDOT. The SR-22 certificate proves continuous coverage for three years, and any lapse triggers immediate license suspension. High-risk drivers often need coverage above state minimums to satisfy lender requirements or protect against financial exposure after an at-fault accident.

Pennsylvania cityscape and street view
15/30/5
Liability Insurance
Pennsylvania's minimum liability limits are among the lowest in the nation, leaving high-risk drivers financially exposed in serious accidents where medical bills and property damage easily exceed $15,000 per person. Many non-standard carriers require higher limits—50/100/25 or 100/300/50—to write policies for drivers with DUI or multiple violations. Pennsylvania is a no-fault state for medical claims under $300,000, but liability coverage still applies for property damage and serious injury lawsuits that exceed the threshold.
Meets state minimums
SR-22 Insurance
SR-22 is not a type of insurance but a certificate filed electronically by your carrier to PennDOT proving continuous coverage. Not all carriers offer SR-22 filing—major insurers often decline drivers with DUI or suspension on record, pushing them to non-standard carriers like Progressive, The General, or regional providers that specialize in high-risk policies. The SR-22 requirement lasts three years from the date of reinstatement, and coverage cannot lapse even one day without triggering suspension.
Optional but recommended
Uninsured Motorist Coverage
Pennsylvania law requires insurers to offer uninsured and underinsured motorist coverage at the same limits as your liability policy, but you can reject it in writing. Approximately 10% of Pennsylvania drivers are uninsured, and high-risk drivers involved in a not-at-fault accident with an uninsured motorist have limited recovery options without this coverage. Non-standard carriers often price UM/UIM coverage affordably as part of bundled high-risk policies.
$5,000 minimum
First-Party Medical Benefits
Pennsylvania requires all policies to include first-party medical benefits covering at least $5,000 per person for injuries sustained in an accident, regardless of fault. You can choose higher limits or reject coverage in writing if you have qualifying health insurance. High-risk drivers should verify their policy includes this coverage, as gaps can complicate license reinstatement after suspension.
Not required by state
Comprehensive and Collision Coverage
Comprehensive and collision coverage are mandatory if you lease or finance a vehicle, and lenders typically require deductibles of $1,000 or lower. High-risk drivers with older vehicles often drop full coverage to reduce premiums, but this leaves them responsible for repair or replacement costs after an at-fault accident. Carriers may offer limited coverage options or higher deductibles for drivers with recent claims or DUI convictions.
State-Mandated Minimum Coverage · Pennsylvania

Pennsylvania Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$5,000

License Reinstatement Fee$70

Meeting the state minimum keeps you legal. See whether it's enough — get your Pennsylvania quote.

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Cost Overview

High-risk auto insurance in Pennsylvania costs significantly more than standard policies due to DUI convictions, SR-22 requirements, and violation history. Industry estimates suggest drivers with a DUI pay 90–150% more than clean-record drivers, while those with multiple violations or at-fault accidents see increases of 50–100%. Rates vary widely based on violation type, time since offense, location, and whether you need SR-22 filing.

What Affects Your Rate

  • Type of violation: DUI convictions increase rates more than speeding tickets or minor violations
  • Time since offense: Rates decrease as violations age off your record after 3–5 years
  • Location: Urban areas like Philadelphia and Pittsburgh see higher rates due to accident frequency and theft
  • SR-22 filing requirement: Adds $15–$50 to file and limits carrier options to non-standard insurers
  • Credit score: Pennsylvania allows insurers to use credit-based insurance scores, which impact high-risk premiums
  • Vehicle type: Older vehicles without comprehensive/collision coverage reduce premiums for high-risk drivers
Minimum Liability (15/30/5)
$180–$350/mo
State-minimum liability coverage with SR-22 filing for drivers with DUI or major violations. Lowest legal coverage but leaves you exposed to out-of-pocket costs in serious accidents.
Standard Liability (50/100/50)
$210–$400/mo
Increased liability limits with SR-22 filing. Many non-standard carriers require these minimums for high-risk drivers, and lenders often mandate higher limits for financed vehicles.
Full Coverage (100/300/100 + Comp/Coll)
$250–$500/mo
Comprehensive and collision coverage with higher liability limits. Required for financed vehicles and provides maximum protection, but premiums reflect high-risk status and SR-22 filing.

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Coverage Types

SR-22 Insurance

Certificate of financial responsibility filed by your carrier to PennDOT proving continuous coverage. Required for DUI, uninsured driving, and suspension. Must remain active for 3 years without lapse.

Non-Standard Auto Insurance

Policies designed for drivers declined by standard carriers due to DUI, violations, lapses, or accidents. Non-standard carriers accept higher-risk profiles but charge elevated premiums.

Liability Insurance

Covers bodily injury and property damage you cause to others in an at-fault accident. Pennsylvania requires 15/30/5 minimums, but higher limits protect high-risk drivers from lawsuits.

Uninsured Motorist Coverage

Protects you if you're hit by a driver without insurance or with insufficient coverage. Optional in Pennsylvania but must be offered at the same limits as your liability policy.

Full Coverage Auto Insurance

Combines liability, comprehensive, and collision coverage to protect your vehicle and financial interests. Required by lenders and offers maximum protection after at-fault accidents.

DUI Auto Insurance

Specialized high-risk coverage for drivers convicted of DUI or DWI. Requires SR-22 filing for 3 years and limits carrier options to non-standard insurers willing to write DUI policies.

Find Your City in Pennsylvania

Philadelphia, Pennsylvania cityscape and street view

Philadelphia

urban
Pittsburgh, Pennsylvania cityscape and street view

Pittsburgh

urban
Allentown, Pennsylvania cityscape and street view

Allentown

urban
Reading, Pennsylvania cityscape and street view

Reading

urban
Erie, Pennsylvania cityscape and street view

Erie

urban
Aerial view of suburban neighborhood with houses among colorful autumn trees and rolling hills

Scranton

urban
Brick building with arched green windows and lit entrance canopy, outdoor seating visible

Bethlehem

urban
Aerial view of downtown cityscape at sunset with buildings and rolling hills in background

Lancaster

urban
Aerial view of Levittown water tower rising above suburban neighborhood with homes and trees

Levittown

suburban
Aerial view of downtown city buildings at sunset with dramatic cloudy sky and golden hour lighting

Harrisburg

urban
Coin-operated tourist telescope on viewing platform overlooking city skyline with buildings and river

York

urban
City skyline silhouette with church spire against dramatic orange sunset sky with clouds

Wilkes-Barre

urban

Frequently Asked Questions

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