Pennsylvania DUI & Violation Insurance Guide
Pennsylvania requires 15/30/5 liability coverage and is a no-fault state.
Find Coverage for My SituationPennsylvania at a Glance
15/30/5
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Pennsylvania
After a DUI conviction, license suspension, or serious violation in Pennsylvania, your current auto insurer will typically non-renew your policy at the next renewal period—they rarely cancel mid-term, meaning you have until your renewal date to find replacement coverage. Pennsylvania requires SR-22 filing for certain violations, which proves to the state you maintain continuous liability coverage at or above minimum limits. Most standard carriers either do not offer SR-22 filing or will not renew policies for drivers who need it, forcing you into the non-standard insurance market where premiums are significantly higher.
SR-22 Certificate
Non-Standard Auto Insurance
High-Risk Auto Insurance
Liability Insurance
What Drivers Pay in Pennsylvania
$232–$240/mo
Typical monthly rate in Pennsylvania, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Time since violation—rates decrease gradually after 3 years with no new incidents
- Age and gender—young male drivers with violations face the highest premiums in the non-standard market
- Non-standard carrier availability—Pennsylvania has limited non-standard carriers willing to write policies with SR-22, reducing competition
- Vehicle type—sports cars and high-value vehicles are often declined or surcharged heavily by non-standard carriers
Get Back to a Fair Rate After a Violation
Find Coverage for My SituationCoverage Types
SR-22 Insurance
The certificate filing that proves to the state you maintain continuous liability coverage. Required after DUI, suspended license violations, and certain court orders in Pennsylvania.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers after violations, DUIs, or suspensions. The only market segment that consistently offers SR-22 filing.
High-Risk Auto Insurance
Policies issued to drivers classified as high-risk due to violations, with substantially higher premiums and often limited coverage options or higher deductibles.
Liability Insurance
Minimum required coverage that pays for damage and injuries you cause to others. The foundation of any SR-22 policy and the lowest-cost option after a violation.