Pennsylvania SR-22 Insurance After DUI & Violations

Pennsylvania's 15/30 minimum is the lowest bodily injury limit in the Mid-Atlantic region and has not increased since 1990. Most non-standard carriers writing SR-22 policies in Pennsylvania recommend 50/100 or higher to protect against personal liability during the high-risk period.

During your SR-22 period, any at-fault accident with insufficient coverage can result in personal lawsuits and wage garnishment.

Pennsylvania does not require UM/UIM coverage, but you must reject it in writing. For drivers completing SR-22 requirements, UM/UIM coverage protects you from uninsured drivers who could cause an accident that derails your rate recovery timeline.

If you finance or lease a vehicle during your SR-22 period, lenders require comprehensive and collision coverage to protect their interest.

SR-22 is not insurance but a certificate your carrier files with PennDOT proving you maintain continuous coverage at state minimum limits or higher. Your insurer must notify PennDOT immediately if your policy cancels or lapses for any reason during the required filing period, which typically results in immediate license suspension and restarts the 3-year clock.