Cheap SR22 Pennsylvania Auto Insurance

Secure connection. No spam. No hidden fees.


Pennsylvania is one of six American states that do not require its citizens to file an SR-22 form. What this means is that Pennsylvania does not require any additional certification showing proof of financial responsibility beyond the standard auto insurance policies.

While the SR-22 is not required in Pennsylvania, the law requires every vehicle within the state to be insured, whether or not it is owned. This law is to ensure that whenever an accident occurs, whichever party is at fault is well covered to pay the relevant damages. Such a system ensures that before a driver is allowed to get behind the wheel, he or she must have made provisions to ensure the security of other drivers and pedestrians with their insurance policies.

SR22 insurance
SR22 insurance

Furthermore, Pennsylvania is a no fault state; no-fault being the designated term used in describing states where the law instructs that rather than waiting until fault has been legally proven in cases of accidents, insurance companies should begin paying immediately after such incidents. Hence, in no-fault states, insurance companies pay for the injuries of their clients rather than waiting to prove fault first. The money paid is called ‘PersonalInjuryProtection’ or PIP.

Whatever insurance policy purchased in Pennsylvania must meet the following requirements:

  • $15,000 bodily injury liability coverage per person
  • $30,000 bodily injury per accident
  • $5,000 property damage coverage

The insurance requirements of the state are governed by the Pennsylvania Insurance Department and a failure to comply with the compulsory auto insurance requirements would result in a suspension or revocation of driving privileges.


Cost of an SR-22 policy in Pennsylvania

Due to the fact that there’s no SR-22 requirement in the state of Pennsylvania, there are no costs to be accrued. Rather, the state of Pennsylvania requires everyone with access to a car that they drive to have adequate insurance. What this means is that anyone who owns, rents or leases a vehicle in Pennsylvania must have an auto insurance policy. The policy held must provide first party benefits, bodily injury coverage as well as property damage coverage. It must contain medical benefits coverage of not less than $5,000.

When determine insurance rates for people, insurance companies tend to take into consideration certain factors such as marital status, level of education, driving record, credit score, occupation, age, type of vehicle and so on. All of these factors are used to determine the cost of premiums and policy. The same holds in Pennsylvania too.

Pennsylvania Driving Under the Influence (DUI) laws

The state of Pennsylvania, as noted by its Department of Motor Vehicles, has three DUI levels depending on the extent of your BAC. The level of offense would determine the severity of your charge and, consequently, your penalty.

A first offender can be slapped with up to 6 months of probation, a $300 fine, mandatory alcohol addiction treatment and a required alcohol highway safety school attendance. The higher the BAC and the more serious the offense, the higher the likelihood that an individual can be required to install an Ignition Interlock Device to reinstate their driving privileges.


Pennsylvania Car Insurance Rates Near Me


Cheap SR22 Car Insurance Pennsylvania

What to do if you have no car or license

If you do not have a car in Pennsylvania, you still would be required to buy an auto insurance policy before you get behind the wheel of any car. This policy must meet the set requirements of the state to be valid. The same would apply if you have no license or your license has been suspended. The bottom line is that it is illegal for anyone to drive in Pennsylvania without a license.

If you are from another state or are moving to another state

The fact that Pennsylvania doesn’t require an SR-22 filing doesn’t mean you wouldn’t need one if you were to move to another state that requires it. If you have committed an offense that requires an SR-22 filing in other states within Pennsylvania but need to move, you’d be required to file the SR-22 in your new state to maintain your license. It would also be best to adjust your insurance policy to meet the requirements of the local DMV of the new state.

However, if you are moving into Pennsylvania from out of state, you are not required to file an SR-22 within the state but you have to maintain the one you filed out of state. You must also ensure that your insurance policy meets the Pennsylvania Insurance Department requirements.

The duration of maintenance of an SR-22 form in Pennsylvania

There is no SR-22 requirement in Pennsylvania and as such, there is no mandate or period of maintenance. Within Pennsylvania, all you need is a valid auto insurance policy to drive. This policy must be renewed for as long as you continue traveling the streets of Pennsylvania.

What to do if the SR-22 lapses

There is no need for an SR-22 form in Pennsylvania. If your insurance coverage within the state lapses or isn’t renewed on time, it is advised that you not get behind a wheel as that would be illegal.


Frequently Asked Questions (FAQ)

  • Does PA require SR-22 insurance?
  • Pennsylvania is one of six American states that do not require its citizens to file an SR-22 form. What this means is that Pennsylvania does not require any additional certification showing proof of financial responsibility beyond the standard auto insurance policies.

    SR22 insurance

  • Does SR-22 go away?
  • Yes, they do. SR-22 filings are not permanent and neither is their effect on insurance rates. Once the mandated period of maintaining the filing as been completed, the driver can contact the insurance provider and request for the cancellation of the filing. This would lead to a favorable readjustment of the driver’s premiums.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

  • How much is SR-22 insurance per month in Pennsylvania?
  • There is no need for an SR-22 insurance filing in Pennsylvania and the average annual cost of insurance within the state is $1,053, which amounts to about $87 per month. The specific cost of insurance still varies from provider to provider and each provider uses a different formula to evaluate drivers and determine insurance premiums. That said, the following factors are the most impactful in the determination of insurance premiums:

    • Driving record
    • Marital status
    • Age
    • Type of vehicle
    • Credit score
    • Occupation

  • Is an SR-22 expensive?
  • Though, SR-22 insurance policies are not required in Pennsylvania, offence that leads to its requirements in other states can affect the cost of your insurance premiums. This would mean more dollars added to your insurance policy depending on the regularity of offences and their severity.

  • Do I need an SR-22 if I don’t have drive?
  • No. In Pennsylvania, all you require in the way of state mandated laws guiding driving is an adequate auto insurance policy that meets the demands of the Pennsylvania Insurance Department. If you don’t drive and don’t plan to, you are not required to buy an auto insurance policy but in the event that you decide to try getting behind a wheel, buy yourself a valid policy first.

  • What happens if you don’t get SR-22 insurance?
  • There is no need for an SR-22 in Pennsylvania. Provided your auto insurance policy meets the state requirements, you are all set and ready to drive.

  • What do I do if my SR-22 is over?
  • There is no need for an SR-22 form in Pennsylvania. If your insurance coverage within the state lapses or isn’t renewed on time, it is advised that you not get behind a wheel as that would be illegal.

  • How do I get my SR-22 off my insurance?
  • In Pennsylvania, SR-22 certification is not required of drivers. All that is required is an insurance policy that meets the requirements of the Pennsylvania Insurance Department. This policy should be renewed regularly and should not be allowed to lapse. No individual is legally permitted to drive on the roads of Pennsylvania without adequate insurance.

  • How do I know if my SR-22 is over?
  • There is no need for an SR-22 form in Pennsylvania. If your insurance coverage within the state lapses or isn’t renewed on time, it is advised that you not get behind a wheel as that would be illegal.

  • What does SR-22 mean?
  • The SR-22 is not an insurance policy in and of itself but is a form that demonstrates and proves that you meet certain auto insurance requirements applicable to you. It is proof that the driver meets certain levels of financial responsibility as set by Local DMVs.

    For instance, the law can require you file for an SR-22 if you’ve been convicted of a DUI, DWI or reckless driving; involved in multiple accidents; or issued multiple speeding tickets.