Pennsylvania SR-22 Insurance & High-Risk Auto Coverage
Pennsylvania requires 15/30/5 liability coverage and is a no-fault state.
Get Quotes Based on Your RecordPennsylvania 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 convicted of DUI, suspended for violations, or involved in uninsured accidents typically must file SR-22 proof of insurance with PennDOT for 3 years. High-risk drivers often need non-standard carriers willing to accept SR-22 filings, as many standard insurers decline policies for drivers with recent major violations.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
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
- SR-22 requirement duration: longer filing periods signal higher risk to insurers
- Time since violation: rates drop significantly after 3 years for most offenses, more gradually for DUI
- Carrier type: non-standard insurers price high-risk policies higher initially but may offer better discounts for continuous coverage
- Location: urban areas like Philadelphia and Pittsburgh see higher rates due to accident frequency and uninsured driver rates
- Coverage level and deductibles: full coverage with low deductibles can triple premiums compared to minimum liability
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Pennsylvania's 15/30/5 minimums are low — a single ER visit can exceed $15,000. Higher limits protect your assets and future income from lawsuits.
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage to PennDOT. Required for DUI, suspensions, and uninsured accidents. Any lapse triggers immediate suspension.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Pennsylvania allows rejection in writing, but uninsured driver rates are significant in urban areas.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, animal strikes. Required by lenders; optional otherwise. High-risk drivers should evaluate whether their vehicle value justifies the cost.
Collision Coverage
Pays to repair or replace your car after an accident, regardless of fault. Required for financed vehicles. High deductibles ($1,000+) reduce premiums significantly for high-risk drivers.
Non-Standard Auto Insurance
Specialty coverage for drivers standard carriers decline: DUI convictions, SR-22 requirements, multiple violations, or long lapses. Higher premiums but flexible underwriting and payment plans.