Pennsylvania SR-22 & High-Risk Auto Insurance
Pennsylvania requires 15/30/5 liability coverage and is a no-fault state.
Find SR-22 Coverage NowPennsylvania 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
$70
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
The state requires SR-22 filing for drivers convicted of DUI, those designated as habitual offenders, or drivers who caused accidents without insurance. Pennsylvania also offers First Party Benefits coverage, a unique no-fault system that pays medical bills and lost wages regardless of fault, which can complicate high-risk reinstatement requirements.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
First Party Benefits
Full Coverage
Cost Overview
$301–$340/mo
Typical monthly rate in Pennsylvania, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- SR-22 filing requirement: adds administrative costs and limits carrier options to non-standard insurers with higher base rates
- Years since violation: most carriers reduce surcharges after 3 years, with full forgiveness at 5–7 years for single incidents
- Carrier availability: non-standard insurers like The General, Direct Auto, and regional carriers dominate the high-risk market in Pennsylvania with varying pricing models
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Occupational Limited License (OLL)
application fee $88, about 20 days to process.
A coverage lapse is reported
The state acts on a lapse after 31 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Pennsylvania after a DUI?
Pennsylvania requires SR-22 filing for 3 years from your DUI conviction date or license reinstatement date. If your policy lapses at any point during this period, PennDOT suspends your license immediately and restarts the 3-year requirement from the new filing date. Continuous coverage without lapses is essential to complete the requirement on schedule.
Do I need SR-22 for suspended license in Pennsylvania?
Yes, if your license was suspended for DUI, habitual offender status, or driving without insurance and causing an accident. Pennsylvania requires SR-22 filing for 3 years to reinstate your license and maintain driving privileges. Point suspensions from multiple minor violations typically do not require SR-22 unless designated as habitual offender.
Coverage Types
SR-22 Insurance
Certificate proving continuous coverage filed with PennDOT for 3 years after DUI, habitual offender status, or uninsured accident. Required to reinstate or maintain driving privileges.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, violations, or coverage lapses who cannot get standard coverage. Rates are higher but provide legal compliance and SR-22 filing.
Liability Insurance
Covers injury and property damage you cause to others. Pennsylvania requires $15,000/$30,000/$5,000, but at-fault accidents at minimums can leave you personally liable for excess damages.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Not required in Pennsylvania, but approximately 10% of state drivers are uninsured.
Full Coverage
Liability, collision, and comprehensive insurance. Required by lenders for financed or leased vehicles regardless of your driving record.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident. Optional unless financing, but valuable for protecting asset value after your driving record has already increased rates.