SR-22 Insurance in Pennsylvania
When Pennsylvania requires an SR-22 (or similar) certificate of insurance, how long you must keep it, and what happens if it lapses.
Short answer: Driving uninsured can bring a minimum $300 fine, a three-month suspension of the vehicle registration, a three-month suspension of the driver's license, and restoration fees for the registration and license. PennDOT Insurance Law fact sheet (February 2025)
| Driving without insurance | Driving uninsured can bring a minimum $300 fine, a three-month suspension of the vehicle registration, a three-month suspension of the driver's license, and restoration fees for the registration and license. A lapse in coverage alone leads to a three-month registration suspension unless the lapse was less than 31 days and the owner proves the vehicle was not driven. Instead of serving the registration suspension, an owner may pay a $500 civil penalty plus the restoration fee, no more than once in 12 months. A suspension can also be avoided by returning the plate and registration card to PennDOT within 30 days after the insurance was canceled. |
|---|
More Pennsylvania car insurance & vehicle laws
- Minimum Car Insurance in Pennsylvania
- Driving Without Insurance in Pennsylvania
- When a Car Is a Total Loss in Pennsylvania
- Transferring a Car Title in Pennsylvania
- All Pennsylvania car insurance & vehicle laws rules
FAQ
What is the penalty for driving without insurance in Pennsylvania?
Driving uninsured can bring a minimum $300 fine, a three-month suspension of the vehicle registration, a three-month suspension of the driver's license, and restoration fees for the registration and license. A lapse in coverage alone leads to a three-month registration suspension unless the lapse was less than 31 days and the owner proves the vehicle was not driven. Instead of serving the registration suspension, an owner may pay a $500 civil penalty plus the restoration fee, no more than once in 12 months. A suspension can also be avoided by returning the plate and registration card to PennDOT within 30 days after the insurance was canceled.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.