Securing auto insurance for high risk drivers in PA can feel overwhelming, especially if you’ve been flagged due to a DUI, multiple accidents, or coverage lapses. But the good news is that Pennsylvania has several insurers—especially non-standard providers—that specifically cater to high-risk profiles.

What You Can Expect as a High-Risk Driver

• Higher premiums
  Expect to pay 50–100% more than a standard driver depending on your history, location, and coverage level.

• SR-22 requirements
  Many high-risk drivers in PA must file an SR-22 form, which verifies your financial responsibility and adds a small fee (~$25–$50).

• Limited policy options
  Some mainstream insurers may deny coverage altogether, but specialty carriers often provide tailored plans at more reasonable rates.

How to Reduce Your Rates

• Compare high-risk providers
  → Quotes can vary drastically, so shopping around is essential.

• Keep your coverage active
  → Insurance gaps make things worse—consistency helps bring your rates back down over time.

• Take a defensive driving course
  → Completing a certified course can unlock discounts, even for non-standard drivers.

• Bundle policies
  → Pairing your car insurance with renters or homeowners insurance can lead to solid savings.

• Stay clean going forward
  → Most violations fall off your record in 3–5 years, and insurers typically lower rates after 2–3 years of clean driving.