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An SR-22 certificate proves that you meet your state’s minimum insurance requirements.
Unlike many states, Pennsylvania doesn’t require SR-22 certificates.
The average cost of high-risk car insurance in Pennsylvania is $151 per month.
An SR-22 is a certificate of financial responsibility. Some states require high-risk drivers to file an SR-22 to prove they have at least the minimum required liability insurance.
The Commonwealth of Pennsylvania doesn’t require high-risk drivers to carry an SR-22. Even so, a serious driving infraction can lead to a suspended license, fines, and higher insurance premiums.
For example, if you cancel your car insurance in Pennsylvania or let your coverage lapse, the following penalties apply:[1] [2]
Minimum $300 fine
Three-month vehicle registration and driver’s license suspension
Separate fees to reinstate your license and registration
To avoid the three-month suspension, the state will let you pay an additional $500 fee instead.
SR-22 Insurance | Pennsylvania Requirement |
|---|---|
| Minimum liability limit | Bodily injury liability of $15,000 per person and $30,000 per accident Property damage liability of $5,000 |
| License and registration suspension | Three months |
| Minimum fine | $300 |
| License reinstatement fee | $94 |
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Pennsylvania doesn’t have an SR-22 requirement. But the average cost of a high-risk policy in Pennsylvania is $109 per month for liability-only coverage and $195 for full coverage.
That’s 21% higher than the state average insurance cost. The same driving violations that trigger an SR-22 in other states, such as driving under the influence (DUI), an at-fault accident, driving without insurance, or getting multiple tickets, can also increase your insurance costs in the Keystone State.
The exact amount the insurance premium will increase depends on the type and severity of the violation, your past driving history, and your insurer.
The table below shows the average cost of liability-only and full-coverage insurance for drivers with clean records versus high-risk drivers.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $90 | $161 |
| High-risk driver | $109 | $195 |
State Farm has the cheapest SR-22 insurance in Pennsylvania, at $59 per month for liability coverage.
The following table shows average liability-only and full-coverage rates from several insurers that cover high-risk drivers in Pennsylvania.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $59 | $100 |
| National General | $67 | $149 |
| Erie | $69 | $116 |
| First Acceptance | $71 | $179 |
| Auto-Owners | $74 | $125 |
| The General | $81 | $317 |
| Progressive | $82 | $173 |
| Travelers | $90 | $151 |
| GEICO | $93 | $155 |
| Safeco | $97 | $155 |
| Direct Auto | $99 | $195 |
| Allstate | $105 | $175 |
| Bristol West | $108 | $200 |
| Root | $122 | $196 |
| USAA | $122 | $203 |
| Dairyland | $129 | $321 |
| Chubb | $142 | $235 |
| Liberty Mutual | $150 | $173 |
| GAINSCO | $151 | $271 |
| State Auto | $165 | $273 |
| CSAA | $197 | $286 |
Although many states require drivers to get SR-22 insurance if the police catch them driving without insurance or driving under the influence, Pennsylvania has no such requirement.
Through the state’s financial responsibility law, insurance companies must notify the Pennsylvania Department of Transportation (PennDOT) if a policyholder cancels coverage.[3]
If a police officer catches you driving without insurance, or your insurance company informs PennDOT that you’ve canceled your policy, you can lose your license and registration for three months. You’ll then have to pay a reinstatement fee and show proof of financial responsibility to get your suspended license and registration back.
Once you’ve paid the fine and reinstated your license, there’s no SR-22 insurance requirement. But if the authorities catch you driving without an auto insurance policy, the process starts over with a fine and suspension.
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You don’t need an SR-22 in Pennsylvania, but it can be difficult to get insurance after a serious traffic infraction or insurance lapse. But it’s not impossible. Follow these steps to get the best auto insurance coverage at the right price:
Gather your documents. You’ll typically need your driver’s license, vehicle identification number (VIN), and the make and model of your car.
Select your coverage. Per Pennsylvania’s minimum insurance requirements, you’ll need at least $15,000 in bodily injury liability insurance coverage for one person, $30,000 in bodily injury liability coverage for two or more people, and $5,000 in property damage liability coverage. Insurance experts typically recommend higher liability limits for greater protection. If you have a newer vehicle, consider collision, comprehensive, and gap coverage.
Compare several quotes. Comparing quotes helps you find the coverage you need at a price that fits your budget.
Submit proof of insurance. You can do this on the PennDOT website. You’ll need your title number, VIN, insurance company name, policy number, effective date, and expiration date.
Maintain insurance coverage. Letting your policy lapse will result in additional fines and suspensions.
Drivers in U.S. states that mandate SR-22 insurance usually need to pay a filing fee and carry the SR-22 policy for one or more years after their conviction. Because Pennsylvania doesn’t have an SR-22 requirement, there’s no required time frame.
All Pennsylvania drivers must be able to show proof of adequate car insurance if asked by a law enforcement officer.
You can avoid the three-month license and registration suspension if your insurance lapse lasted less than 30 days and you can prove to PennDOT that you didn’t drive the car during the lapse.
While Pennsylvania doesn’t have an SR-22 requirement, the following information can help you find the right policy if insurers consider you a high-risk driver.
High-risk car insurance in Pennsylvania costs an average of $109 per month for liability-only coverage and $195 per month for full coverage, according to Insurify data.
No. Pennsylvania has no SR-22 requirement. But if the state suspends your license and vehicle registration, you’ll receive a restoration requirements letter 30 days before your suspension ends. This letter details the steps you need to take to have your driving privilege restored, based on your infraction.[4]
You don’t need an SR-22 form in Pennsylvania. If PennDOT or a law enforcement officer asks you to provide proof of insurance, you can do so by providing an insurance ID card, policy declaration page, signed binder of insurance, or insurance application to the Pennsylvania Assigned Risk Plan.[5]
No. The Commonwealth of Pennsylvania doesn’t require SR-22 filings for motorcycles or other vehicles. Like vehicle drivers, motorcycle riders must carry proof of insurance that shows they have the minimum liability coverage and present it when asked by a law enforcement officer.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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