A stone and iron riverside balustrade in the foreground with a calm river reflecting orange sunset light and a blurred skyline of a domed building and tower in the background.

Pennsylvania SR-22 & High-Risk Auto Insurance

Pennsylvania requires 15/30/5 liability coverage and is a no-fault state.

Find Coverage with Points on Your License

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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Pennsylvania

Drivers with DUI convictions, multiple serious violations, or license suspensions typically must file SR-22 proof of insurance with PennDOT for 3 years. Pennsylvania uses a point system where accumulating 6 or more points in one year triggers a suspension, and most violations that lead to suspension also trigger SR-22 requirements.

Liability Insurance

Pennsylvania's 15/30/5 minimum is the lowest property damage limit in the region and creates serious financial exposure for drivers with prior violations. Drivers required to file SR-22 should strongly consider 100/300/50 or higher, as PennDOT scrutinizes SR-22 filings and policy lapses extend the filing requirement.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your insurer with PennDOT proving continuous coverage. Most standard carriers either refuse to write SR-22 policies or non-renew existing customers once SR-22 is required, pushing drivers to non-standard carriers with substantially higher rates.

Full Coverage

Full coverage combines liability with comprehensive and collision to protect both your vehicle and others. For high-risk drivers in Pennsylvania financing a vehicle, lenders require full coverage, and dropping to liability-only during the SR-22 period can trigger a lapse notice to PennDOT even if liability coverage remains active.

Uninsured Motorist Coverage

Pennsylvania does not require uninsured/underinsured motorist coverage, but insurers must offer it and drivers must reject it in writing.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers, including those with SR-22 requirements, DUIs, suspensions, or multiple violations. These insurers charge higher premiums but accept drivers standard carriers decline, and many offer SR-22 filing as a standard service.

What Drivers Pay in Pennsylvania

$232–$240/mo

Typical monthly rate in Pennsylvania, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

Violation type: DUI and reckless driving increase rates more than speeding tickets
SR-22 filing requirement and duration remaining on the 3-year clock
Time since offense: rates typically decline after 3–5 years if no new violations occur

A man in a cap, dark jacket, jeans and boots leans against the side of a dark pickup truck on open grassland at sunrise or sunset, with low hills on the horizon.

See What Points Are Really Costing You

Find Coverage with Points on Your License

Pennsylvania SR-22 & High-Risk Auto Insurance

Pennsylvania at a Glance

Minimum Coverage Requirements in Pennsylvania

Liability Insurance

SR-22 Insurance

Full Coverage

Uninsured Motorist Coverage

Non-Standard Auto Insurance

What Drivers Pay in Pennsylvania

What Affects Your Rate

See What Points Are Really Costing You

Coverage Types

Liability Insurance

SR-22 Insurance

Non-Standard Auto Insurance

Full Coverage

Uninsured Motorist Coverage

Collision Coverage

Find Your City in Pennsylvania

Philadelphia

Pittsburgh

Allentown

Reading

Erie

Scranton

Bethlehem

Lancaster

Levittown

Harrisburg

York

Wilkes-Barre