SR-22 is an insurance filing requirement for drivers who commit serious traffic offenses such as drunk driving and at-fault accidents. The Pennsylvania Department of Transportation (PennDOT) doesn’t require SR-22 filing, but drivers who commit these kinds of violations can expect to pay higher insurance premiums than drivers with clean driving records.
- Does Pennsylvania Have SR-22 Insurance Requirements?
- How Much Does Car Insurance Cost for High-Risk Drivers in Pennsylvania?
What Is SR-22 Insurance?
Even though we often call it “SR-22 insurance,” SR-22 isn’t a type of insurance. SR-22 is an insurance filing requirement that proves to the state’s driver and motor vehicle agency you’ve bought — and are maintaining — the minimum liability insurance requirements.
SR-22 insurance filing is designed for drivers who commit serious traffic violations such as:
- Drunk driving.
- At-fault accidents.
- Reckless driving.
- Significant speeding.
- Driving with no insurance or a suspended license.
Most states that require SR-22 coverage require it even if you don’t currently own a vehicle; in that case, you’d need Non-Owner SR-22 Insurance.
The most common time period for maintaining SR-22 is three years. During that time, you’ll pay an average SR-22 filing fee of around $25, plus increased car insurance premiums.
Does Pennsylvania Have SR-22 Insurance Requirements?
Pennsylvania does not require SR-22 insurance filing for high-risk drivers; however, if you’re convicted of a serious traffic violation, you:
- Still must carry the minimum liability insurance requirements for Pennsylvania
- You can’t operate a motor vehicle without this coverage.
- Generally, it’s also a requirement for reinstating your driver’s license.
- Can expect higher-than-average car insurance rates.
- Even though you’re not purchasing extra insurance, and even though you don’t have to file SR-22, your auto coverage premiums will be higher than usual because providers see you as a high risk to insure.
Keep in mind that if you just moved to Pennsylvania from another state, and you were currently meeting an SR-22 filing requirement in that state, you might have to maintain that coverage until the time period is over. Speak with a PennDOT representative for details.
Expect to pay higher insurance rates until you’re able to clean up your driving record.
How Much Does Car Insurance Cost For High-Risk Drivers in Pennsylvania?
Car insurance premiums are more expensive for drivers who’ve been convicted of serious violations. Below are the average annual rates for common serious violations in Pennsylvania.
|Offense||Average PA Annual Rate||% Increase|
|At Fault Accident||$2,179||51.3%|
For the most part, there’s no getting around increased car insurance rates after a major traffic conviction; however, there are several highly rated companies for high-risk driver coverage.
Rates After a DUI
Here are the average rates ranging from least expensive to most expensive if you need to get car insurance after a DUI conviction:
|Insurance Provider||Average PA Annual Rate After DUI|
GEICO is by far the most affordable insurance provider if you have a DUI. Other companies to consider are Erie and Allstate. These companies offer rates that are lower than the statewide average rate for a driver with a DUI of $2,116. Here are other insurance providers to consider if you have a DUI.
Even though Pennsylvania doesn’t have SR-22 filing requirements, you can expect to pay higher-than-average car insurance rates if you commit a serious traffic offense.