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.
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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:
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.