Pennsylvania SR‑22 Insurance
Pennsylvania doesn't require an SR-22 for high-risk drivers but imposes strict penalties for DUIs or driving uninsured, including fines, license suspension, and vehicle impoundment, along with mandatory insurance coverage.
SR-22 Isn't Required in Pennsylvania
Pennsylvania is one of several states that do not require an SR-22 filing to reinstate your driving privileges. Most states require proof of financial responsibility (SR-22) for high-risk drivers. The most common reasons a driver must file an SR-22 are:
- Convictions for Driving Under the Influence (DUI)
- Driving without adequate insurance
- Being involved in an accident without insurance
- Having too many points on your driving record
While Pennsylvania does not require the filing of an SR-22, there are significant penalties for driving under the influence or driving uninsured. At a minimum, you could face a high fine, license suspension, and vehicle impoundment.
Minimum Required Coverage in Pennsylvania
Pennsylvania requires all drivers to carry liability insurance. The mandatory minimum insurance coverage is:
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $5,000 property damage
The Pennsylvania Insurance Department governs insurance requirements for the State. Failure to comply with compulsory insurance laws can result in the suspension or revocation of your driving privileges.
PA Driving Under the Influence (DUI) Laws
Pennsylvania has three levels of DUI based on Blood Alcohol Content (BAC):
- General Impairment: BAC of .08 to .099 percent
- High BAC: BAC of .10 to .159 percent
- Highest BAC: BAC of .16 percent or higher
Penalties increase with each level. For a first offense of General Impairment, you may face up to six months of probation, a $300 fine, alcohol highway safety school, and mandatory alcohol treatment. Higher BAC levels increase the likelihood of needing an ignition interlock device (IID) to reinstate driving privileges.
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Penalties for DUI Conviction
First Offense
Fine(s): $300
Driver's License Suspension: None
Second Offense
Fine(s): $300-$2,500
Driver's License Suspension: 12 months
Third Offense
Fine(s): $500-$5,000
Driver's License Suspension: 12 months
FAQs About SR-22 in Pennsylvania
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania do not require an SR-22 form. Florida and Virginia require an FR-44 in place of an SR-22.
If you have an SR-22 and relocate to a state that does not require it, you will still need to fulfill the requirements from your original state until it ends.
Find State-by-State InformationAllowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
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Breathe Easy Insurance Solutions proudly serves 42 states. Let our experienced staff help you get your license reinstated today. Our agents are fully licensed and can assist you with all of your licensing and IID needs. Contact Breathe Easy for a free insurance quote and get back on the road today.
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