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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Cost Overview
$232–$240/mo
Typical monthly rate in Pennsylvania, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 filing last in Pennsylvania?
Pennsylvania requires SR-22 filing for 3 years from the date PennDOT notifies you of the requirement. The 3-year period restarts from the beginning if your policy lapses or is cancelled at any point. You must maintain continuous coverage without interruption throughout the entire period.
When do points fall off my license in Pennsylvania?
Points expire 3 years from the violation date in Pennsylvania, not the conviction date. However, the violation itself remains on your driving record for insurance purposes and continues affecting premiums for 3–5 years. Completing a PennDOT-approved defensive driving course removes up to 3 points once every 3 years.
Coverage 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.