Updated March 2026
State Requirements
Pennsylvania requires minimum liability coverage of $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage (15/30/5). Drivers convicted of DUI, those with license suspensions for accumulating 6 or more points within 2 years, or those involved in uninsured accidents may be required to file SR-22 form with PennDOT for 3 years. Most drivers with standard point violations from speeding tickets or minor at-fault accidents do not need SR-22 filing unless their license was actually suspended.
Cost Overview
Pennsylvania high-risk auto insurance premiums vary widely based on violation type, points on record, and coverage level. A single DUI increases annual premiums by an average of $1,800–$3,200, while license suspensions or multiple at-fault accidents add $1,200–$2,400 annually. Rates begin recovering after 3 years as violations age off your record, with the steepest declines occurring between years 3 and 5.
What Affects Your Rate
- Violation type: DUI adds $1,800–$3,200 annually; at-fault accidents add $800–$1,600; speeding tickets add $300–$700
- Points on record: Pennsylvania suspends licenses at 6 points in 2 years; each point above 3 increases premiums 10–20%
- SR-22 filing requirement: adds $1,200–$3,000 annually on top of violation surcharge
- Coverage level: full coverage costs 35–50% more than liability-only for high-risk profiles
- Age and location: drivers under 25 with violations in Philadelphia or Pittsburgh face premiums 40–60% higher than suburban counties
- Time since violation: rates drop 20–30% after 3 years as points expire, with full recovery taking 5–7 years
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Required for SR-22 filing and the minimum legal coverage in Pennsylvania.
SR-22 Insurance
Certificate filed by your insurer proving you carry continuous coverage for 3 years after DUI, suspension, or uninsured accident.
Full Coverage
Combines liability, collision, and comprehensive. Required for financed or leased vehicles.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, lapses, or multiple violations who cannot qualify for standard coverage.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Optional in Pennsylvania but recommended for high-risk drivers.
Collision Coverage
Pays for damage to your vehicle after an accident regardless of fault. Required by lenders.
