SR-22 Insurance in Pennsylvania
Numbers refreshed
Pennsylvania filing details cover who needs one, its duration and the state fee.
- The state doesn't request the SR-22 form.
- Minimum liability limits: 15/30/5.
- Pennsylvania has the 27th-highest cost among 51 states (1st = highest).
Pennsylvania SR-22 rules
Pennsylvania has no SR-22 form in use. Your insurer sends proof of coverage to the state.
When insurance lapses for more than 30 days, the vehicle registration is suspended for three months. Restoring it requires a restoration fee and proof of insurance.
| Rule | Pennsylvania |
|---|---|
| Form | No SR-22 form; the insurer reports cover |
| Liability it must prove | 15/30/5 |
Source: Insurance Law FAQs | Driver and Vehicle Services | Commonwealth of Pennsylvania; Financial Responsibility (Insurance) FAQs | Driver and Vehicle Services | Commonwealth of Pennsylvania.
How it affects your price
The filing is inexpensive by itself, but the related offense causes the premium to rise.
Based on the state rate guides used here, one at-fault accident pushes a price to about 1.5 times its normal amount.
With Pennsylvania liability rates averaging $617, the annual cost would be about $926.
Getting one
- Not every company files the form with the state, so ask your insurer to do it.
- Don't have a car? The filing can go on a non-owner policy.
- Make sure the policy stays paid. If there's a lapse, it's reported to the state, and the clock can restart.
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