Pennsylvania Auto Insurance Requirements & Rates
Pennsylvania requires 15/30/5 liability coverage and is a no-fault state.
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Pennsylvania at a Glance
15/30/5
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Pennsylvania operates under a choice no-fault system, unique among U.S. states, requiring drivers to select either limited tort (restricted lawsuit rights) or full tort (unrestricted lawsuit rights) when purchasing coverage. All drivers must carry proof of insurance and maintain minimum financial responsibility limits. The Pennsylvania Department of Insurance regulates all policy requirements and filing standards.
Bodily Injury Liability
Property Damage Liability
First Party Medical Benefits
Uninsured/Underinsured Motorist Coverage
Tort Selection
Cost Overview
about $96/mo
Average car insurance spending in Pennsylvania
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Can I drive legally in Pennsylvania with just liability insurance?
Yes, if you maintain the state minimum 15/30/5 liability limits, select a tort option, and either carry or formally reject first-party medical benefits and UM/UIM coverage in writing. However, liability-only coverage leaves your own vehicle unprotected and provides inadequate protection for serious accidents. Most Pennsylvania agents recommend at least 100/300/100 liability limits given the state's aggressive litigation environment.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others, including medical bills, legal defense, and settlements. Pennsylvania's 15/30/5 minimum is critically inadequate—most agents recommend 100/300/100 as a practical baseline.
Full Coverage
Combines liability, collision, and comprehensive to protect both your financial responsibility and your vehicle's value. Required by lenders and recommended for vehicles worth over $4,000.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, weather, fire, and animal strikes. Pennsylvania processes over 90,000 deer collision claims annually, making this coverage critical for rural drivers.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Covers medical bills, lost wages, and pain and suffering up to your selected limits.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another vehicle or object, regardless of fault. Deductibles typically range from $250–$1,000.