Pennsylvania Insurance Requirements

yes

Source: Pennsylvania Driver's Manual (PUB 95), Chapter 4: Driving Without Insurance · Verified Aug 2026

15000

Source: 75 Pa.C.S. Sec. 1702, definition of "Financial responsibility": "in the amount of $15,000 because of injury to one person in any one accident." · Verified Aug 2026

30000

Source: 75 Pa.C.S. Sec. 1702, definition of "Financial responsibility": "in the amount of $30,000 because of injury to two or more persons in any one accident." · Verified Aug 2026

5000

Source: 75 Pa.C.S. Sec. 1702, definition of "Financial responsibility": "in the amount of $5,000 because of damage to property of others in any one accident." · Verified Aug 2026

no

Source: 75 Pa.C.S. Sec. 1731(a): insurers must offer uninsured and underinsured motorist coverage, but "Purchase of uninsured motorist and underinsured motorist coverages is optional." Sec. 1731(b) and (c) give the statutory written rejection forms the named insured signs to decline each coverage. · Verified Aug 2026

Pennsylvania does not use SR-22 filings. To restore a suspended driving privilege you pay the restoration fee set by law and meet the conditions in the restoration requirements letter PennDOT issues for your case. Where the sanction involved a lapse in coverage, you submit proof of insurance on the insurance company's letterhead showing the policy number, effective and expiration dates, the vehicle identification number, and the company's NAIC number, signed and dated by an official representative of the company. There is no third-party certificate filed with the state on your behalf.

Source: PennDOT Financial Responsibility (Insurance) FAQs, restoration proof-of-insurance requirements; PennDOT Driving Privilege Sanctions and Restoration Requirements fact sheet (FS-DPSRRL). Neither surface mentions SR-22, and PennDOT does not operate an SR-22 program. Statutory framework: 75 Pa.C.S. Chapter 17. · Verified Aug 2026