SR-22 in Pennsylvania: What You Need to Know

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  • SR-22 coverage in Pennsylvania
  • Who needs one?
  • Moving to a state requiring an SR-22
  • License suspension and PA insurance
  • Cheap car insurance
In Pennsylvania, every driver must meet the state’s minimum liability insurance requirements, but an SR-22 certificate, or proof of insurance, is not needed after being convicted of a serious driving violation. That being said, you may have a harder time finding an insurer to cover you, and you’ll pay higher insurance premiums as well.
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Keep reading to learn more about SR-22 in Pennsylvania.

SR-22 coverage in Pennsylvania

In many states, an SR-22 form is filed by your insurer after a major driving violation to prove that you carry a minimum level of liability insurance—in Pennsylvania, however, this form is not required to reinstate your driver’s license after it’s been suspended or revoked.
That being said, If you move to a state where you are required to carry SR-22 coverage with a major conviction on your record, you’ll need to find SR-22 from an insurer in the state you have moved to.
In Pennsylvania, all drivers are required to carry liability coverage. The state’s mandated minimum insurance requirements are as follows:
  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage coverage per accident
Pennsylvania drivers must prove to the DMV that they carry at least minimum coverage before they can register their vehicle.
Key Takeaway SR-22 coverage is not needed in Pennsylvania after a major driving violation, but if you move to another state requiring an SR-22 form, you’ll need to find an insurer in that state to file on your behalf.
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Who needs SR-22 in Pennsylvania?

Drivers do not need an SR-22 form in Pennsylvania if their license is suspended or revoked. But in lieu of an SR-22, Pennsylvania drivers will face a combination of fines, license suspensions, and possibly jail time for the following driving violations:
  • DUI or DWI
  • Driving without insurance
  • Driving with a suspended or revoked license
  • Repeated traffic violations within a short period of time, including speeding tickets
  • Being responsible for multiple at-fault collisions
  • Being at fault in a fatal car accident or an accident leading to serious injuries
  • Reckless driving
  • Refusing a breathalyzer test
  • Failing to pay ticket fines
  • Assignment of a court order

Moving to a state requiring an SR-22

If you’ve been convicted of a major driving offense in Pennsylvania, but subsequently had your license reinstated, you may need to buy SR-22 coverage if you move to a state that requires such coverage following a severe driving offense.
In this case, you’ll need to find an insurer in your new state that will file an SR-22 form on your behalf, as your Pennsylvania insurer will not do this for you.
Key Takeaway If you were convicted of a major driving violation in Pennsylvania and you’re moving to a new state that requires SR-22 coverage, make sure that you find an insurer in your new state to file an SR-22 form on your behalf.

How a license suspension impacts your insurance in Pennsylvania

If your license has been revoked or suspended in Pennsylvania, expect your insurance premiums to increase significantly upon reinstatement. On average, Pennsylvania drivers with a DUI conviction on their record pay an average of 60.5% more on their insurance premiums than a driver with a clean record.
This averages out to an additional $1640 a year on car insurance.
While your premiums will remain high for a few years, cleaning up your driving habits and maintaining a good driving record will go a long way in helping decrease your insurance rate over time.
Even though you’ll be faced with higher premiums upon reinstatement, make sure you shop around for the best insurance rate you can find.
Key Takeaway Upon your license being reinstated after a major driving violation, be prepared to pay higher rates than you would with standard car insurance.

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