Cheapest SR-22 insurance in Pennsylvania
Pennsylvania doesn't require SR-22 forms, but all Pennsylvania drivers still need car insurance. We found that State Farm has the cheapest car insurance in Pennsylvania for high-risk drivers with a DUI, suspended license, or reckless driving citation. On average, State Farm costs $88 per month or $1,937 a year.
You can also find cheap high-risk insurance in Pennsylvania from Travelers and Erie. Since the cost of car insurance coverage depends on the driver, it’s a good idea to compare rates from different companies before you pick a policy.
Company | Average monthly cost | Average yearly cost |
|---|---|---|
State Farm | $88 | $1,059 |
Travelers | $124 | $1,491 |
Erie | $135 | $1,620 |
Allstate | $159 | $1,911 |
USAA | $173 | $2,077 |
Methodology: Why you can trust our picks for the cheapest insurance in Pennsylvania
We found the cheapest companies in Pennsylvania for drivers with a suspended license, DUI, or a reckless driving citation by analyzing rates from every ZIP code in the state.
Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
What is SR-22 insurance in Pennsylvania?
Pennsylvania doesn’t require SR-22s, which is a form that proves to the state you’re insured. SR-22s are required in many states for drivers with suspended licenses or who’ve committed serious driving violations, like a DUI.
Pennsylvania doesn’t have an SR-22 requirement, but you still need to have car insurance. The minimum car insurance requirements in Pennsylvania are:
Bodily injury liability (BIL): $15,000 per person, $30,000 per accident
Property damage liability (PDL): $5,000 per accident
States that don’t require SR-22 insurance
There are 12 states that don’t have SR-22 requirements:
Delaware
Kentucky
Maryland
Minnesota
New Jersey
New Mexico
New York
North Carolina
Oklahoma
Pennsylvania
Rhode Island
West Virginia
What you need instead of SR-22 insurance in Pennsylvania
There is no SR-22 requirement in Pennsylvania, but that doesn’t mean there aren’t penalties for high-risk driving.
After a serious driving violation or a license suspension, the Department of Transportation (PennDOT) will let individual drivers know what the process is for reinstating their license.
The penalties vary by incident, but you may be required to sign up for a probationary or temporary license, install an ignition interlock system in your vehicle (basically a breathalyzer that’s connected to your car), take a driving safety class, pay fines, and more.
Frequently asked questions
Who needs SR-22 insurance in Pennsylvania?
There is no SR-22 requirement in Pennsylvania. In other states, high-risk drivers and people caught driving without car insurance might have to get an SR-22 to prove they’re covered.
Do you need car insurance in Pennsylvania?
Yes, you need to have car insurance in Pennsylvania. If you’re caught driving without insurance you’ll be fined and your license will be suspended.
Is SR-22 insurance the same as no-fault insurance?
No, SR-22 insurance and no-fault insurance aren’t the same thing. Although Pennsylvania doesn’t require SR-22 insurance, it does require no-fault insurance — also called personal injury protection or PIP.
