Pennsylvania SR-22 Car Insurance

How Much Does SR-22 Cost in Pennsylvania?

Pennsylvania will obligate you to file SR-22 insurance to reinstate your driving privileges. It is a prerequisite that your insurance policy meets the minimum liability requirements of Pennsylvania.

Drivers in Pennsylvania who have received driving citations in the past are bound to pay more expensive rates. However, the increase in their car insurance policy in Pennsylvania will depend on the severity of the violation. But, if you wish to save on your SR-22 insurance, purchasing a non-owner coverage will help minimize the increase.

What is the rate of SR-22 insurance in Pennsylvania?

The SR-22 insurance cost in Pennsylvania is nearly a tripled amount before the driver receives a serious citation such as DUI or at-fault accidents. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Pennsylvania. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

After three violations in Pennsylvania, the state will demand PA SR-22 insurance that must be filed by your insurer. It is to prove that you are under an auto insurance policy in Pennsylvania. Also, if you are from another state with SR-22 insurance and you moved to Pennsylvania, you will be required to have PA SR-22 insurance.

Pennsylvania SR-22 Car Insurance Rates by Company

There are several SR-22 insurance major players in Pennsylvania. GEICO, USAA, and Nationwide are some of the few that offer competitive SR-22 auto insurance rates in the state. These car insurance companies intensively evaluate your driving history to determine your risk level. Insurers will then give your SR-22 car rates upon examining your recent driving profile, location, age, and vehicle type.

Pennsylvania SR-22 Car Insurance Rates

CompanyDriver with Clean RecordWith One AccidentWith One Speeding CitationWith One DAI
USAA$1,435$1,983$1,602$2,111
GEICO$1,901$3,271$2,641$2,555
Nationwide$2,011$2,695$2,697$3,754
State Farm$2,501$2,966$2,733$2,733
Allstate$3,801$4,488$3,803$3,803
Progressive$4,022$5,560$4,033$4,143
Liberty Mutual$5,512$6,319$6,174$6,174
Travelers$5,555$7,901$7,901$9,966

SR-22 insurance in Pennsylvania is also known as CFR or Certificate of Financial Responsibility implemented by the local Department of Motor Vehicles (DMV). A PA DUI arrest plays a major factor in the increase of your SR-22 rates in Pennsylvania.

What is SR-22 Car Insurance in Pennsylvania?

SR-22 insurance in Pennsylvania is intended for uninsured drivers who have been involved in an accident. Seven percent of Pennsylvania drivers are uninsured, hence, SR-22 insurance was implemented to secure road order within the state. Moreover, drivers with revoked licenses and under mandatory supervision are demanded to file SR-insurance along with those who are unsatisfied with their claim or judgment and those who garnered more than three auto insurance violations.

Pennsylvania DAI Laws

OffenseLicense RevocationJail TimeFine
First OffenseSix monthsUp to six month probation$300
Second OffenseOne yearFive days to six months$300 to $1,500
Third OffenseOne yearTen days to two years$500 to $5000

Pennsylvania SR-22 Requirement

Three Forms of Financial Responsibility

However, Pennsylvania does not require every high-risk driver to file SR-22 insurance. But, moving to another state with DUI cases or any other road violations, you will be required to file SR-22 insurance. On a different note, getting caught by a law enforcer officer violating the laws and you failed to show proof of your insurance policy, an automatic $500 fine will apply and your driver’s license and registration will be suspended.

Florida SR-22 Car Insurance

How To Get an SR-22 Insurance in Pennsylvania?

If you have an ongoing car insurance policy, it can be easy to acquire an SR-22 after a violation. Just directly contact your agent or car insurance provider in Pennsylvania and request them to file SR-22 insurance on your behalf. However, there are some insurance companies around Pennsylvania that might refuse your request. Thus, the best thing to do is to look for another company that will attend to your needs.

Filing a PA SR-22 Insurance for Insured Drivers

If you are insured and want to file SR-22 car insurance in Pennsylvania, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Filing a PA SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above. 

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for PA SR-22 insurance. It may take a lot of your time and effort but, being able to qualify for non-owners PA SR-22 insurance will help you garner cheaper rates since you will not be given coverage for the physical damage of your vehicle in cases of collision.

The bottom line is, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Pennsylvania, which, relatively, the best way to keep your car insurance rate on the average level.

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