Car Insurance Requirements in Pennsylvania (2024)

Pennsylvania’s minimum car insurance requirements are 15/30/5. Here’s what that means and what coverages you have to purchase.

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Updated September 9, 2024

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Cheapest recent rates in Pennsylvania

Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $82/mo for full coverage in Pennsylvania.

Liberty Mutual helped a Hyundai Elantra driver in Middletown, Pennsylvania save on car insurance with this quote.

A Highspire, Pennsylvania driver just saved on coverage for their Chevrolet Malibu with this quote from National General.

First Acceptance helped a Lincoln Town CAR driver in Harrisburg, Pennsylvania save on car insurance with this quote.

A Meadville, Pennsylvania driver just saved on coverage for their Jeep Patriot with this quote from Dairyland.

We just helped a driver in Middletown, Pennsylvania cover their Hyundai Elantra with this quote from The General.

A Pittsburgh, Pennsylvania driver just saved on coverage for their Buick Envista with this quote from Safeco.

We just helped a driver in Trout Run, Pennsylvania cover their Ford F-Series Pickup with this quote from Direct Auto.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on September 9, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 9, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

A Carlisle, Pennsylvania driver just saved on coverage for their Honda Pilot with this quote from Liberty Mutual.

National General helped a Volvo C30 driver in New Castle, Pennsylvania save on car insurance with this quote.

A Upper Darby, Pennsylvania driver just saved on coverage for their Toyota Camry with this quote from CSAA.

Bristol West helped a Hyundai Sonata driver in Pottsville, Pennsylvania save on car insurance with this quote.

We just helped a driver in Allentown, Pennsylvania cover their Chevrolet Malibu with this quote from First Acceptance.

A Johnstown, Pennsylvania driver just saved on coverage for their Chevrolet Trax with this quote from The General.

GAINSCO helped a Nissan Versa driver in Schuylkill Haven, Pennsylvania save on car insurance with this quote.

We just helped a driver in Carlisle, Pennsylvania cover their Honda Pilot with this quote from Direct Auto.

*Quotes generated for Insurify users from Pennsylvania within the last 10 days. Last updated on September 9, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 9, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Table of contents

• Pennsylvania requirements
• Full tort vs. limited tort
• Amount of coverage
• Liability only
• Full coverage
• Penalties of no insurance
• Optional coverages
• FAQs

• Pennsylvania requirements
• Full tort vs. limited tort
• Amount of coverage
• Liability only
• Full coverage
• Penalties of no insurance
• Optional coverages
• FAQs

Table of contents

• Pennsylvania requirements
• Full tort vs. limited tort
• Amount of coverage
• Liability only
• Full coverage
• Penalties of no insurance
• Optional coverages
• FAQs

• Pennsylvania requirements
• Full tort vs. limited tort
• Amount of coverage
• Liability only
• Full coverage
• Penalties of no insurance
• Optional coverages
• FAQs

Pennsylvania is one of the many states that require drivers to maintain minimum car insurance coverage, but it’s important to know exactly what those minimum coverages are. In Pennsylvania, drivers must purchase 15/30/5 liability coverage, which translates to $15,000 per person and $30,000 per accident for bodily injury liability and $5,000 per accident for property damage liability. [1]

Since Pennsylvania is a no-fault state with full-tort and limited-tort coverage options, it’s especially important to understand how these state laws affect your car insurance policy as you shop for quotes. [2] Here’s what you need to know about Pennsylvania car insurance requirements.

Pennsylvania car insurance requirements

All drivers in Pennsylvania must maintain at least the following coverages: [1]

• $15,000 per person for bodily injury liability
• $30,000 per accident for bodily injury liability
• $5,000 per accident for property damage liability
• $5,000 for medical benefits

Bodily injury liability

Bodily injury liability insurance is coverage for the injuries you cause another person when you’re the at-fault driver. So if you cause an accident, this coverage pays for the other parties’ medical expenses from the incident.

In Pennsylvania, all drivers are required to have at least $15,000 for bodily injury insurance for the injury or death of one person and $30,000 for the injuries or deaths of two or more people in one car accident. [1]

While this coverage is part of your Pennsylvania auto insurance policy, it doesn’t provide payment or reimbursement for your own injuries after an at-fault accident.

Property damage liability

Property damage liability insurance is similar to bodily injury liability insurance: Both pay for the expenses you cause in an at-fault accident. The difference is that property damage liability pays for the physical damages you cause another person’s property, including vehicles, houses, and other structures, like bridges and roadways.

In Pennsylvania, all drivers must maintain at least $5,000 of property damage liability insurance for each accident. [1]

Medical benefits

Medical benefits coverage pays for your injuries after an accident, regardless of who was at fault. It also applies to any passengers in your car. The minimum required amount in Pennsylvania is $5,000.

Get State-Minimum Coverage in Pennsylvania

Rates start as low as $51 per month