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What Is SR-22 Insurance in Pennsylvania and How Much Does It Cost?

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.

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.

>>MORE: Best Cheap Car Insurance in Pennsylvania

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.

OffenseAverage PA Annual Rate% Increase
At Fault Accident$2,17951.3%
DUI$2,11644.6%
Speeding Ticket$1,62412.8%

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 ProviderAverage PA Annual Rate After DUI
GEICO$1,138
Erie$1,307
Allstate$1,784
Progressive$2,189
State Farm$2,543
Nationwide$3,110

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.

Final Thoughts

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.

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