What Is the Minimum Car Insurance Requirement in Pennsylvania?

If you’re wondering how much car insurance you need in Pennsylvania, the state requires liability insurance with a limit of at least 15/30/5, which amounts to the following coverage:

  • $15,000 in bodily injury per person
  • $30,000 in bodily injury per accident
  • $5,000 in property damage
  • $5,000 in personal injury protection (PIP) coverage

These limits are only the minimum required by the state. If you need more, you can opt for additional coverage or increased limits.

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What Does This Minimum Coverage Mean?

Pennsylvania’s car insurance laws require all drivers to have at least 15/30/5 in liability insurance and $5,000 in personal injury protection coverage to drive in the state.

Liability insurance includes bodily injury and property damage coverage. Bodily injury coverage pays for the medical bills and rehabilitation expenses of any third party involved. Property damage insurance covers any damage you make to a third party’s property due to the accident. Drivers in Pennsylvania should have at least $15,000 in bodily injury per person, with a $30,000 limit per accident and $5,000 in property damage coverage.

Individuals must also purchase $5,000 in personal injury protection (PIP) coverage in Pennsylvania. This insurance covers damages to you and any of your passengers, regardless of who is at fault in the accident.

How Much Does the Minimum Car Insurance Cost in Pennsylvania?

Insurers use several factors to determine car insurance premiums in Pennsylvania, including age, zip code, driving history and credit score. Each company weighs these considerations differently, which means your choice of insurer can affect your premiums, as well.

According to MoneyGeek's research, Pennsylvania’s cheapest insurer is USAA, with policies averaging $374 per year. However, their services are only available for military families. For other drivers in Pennsylvania, GEICO features the next-best prices, with auto insurance policies averaging $543 per year.

These prices are only estimates based on rates for an average Pennsylvania driver and should not be used to compare insurance prices.

Auto insurance rates mentioned from insurers in Pennsylvania were collected based on the state’s minimum requirement of 15/30/5 in liability limits and $5,000 in personal injury protection. We used a profile of a 40-year-old Pennsylvania resident with a good driving record and credit score driving a 2010 Toyota Camry.

If you're instead looking for a policy that balances quality with affordability, MoneyGeek also ranked the top car insurance companies in Pennsylvania.

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What Is the Minimum Car Insurance Requirement in Pennsylvania While Leasing a Car?

In Pennsylvania, car lease insurance requirements typically differ from state requirements for ownership. Leasing companies will often require full coverage insurance and a minimum of 100/300/50 in liability limits. Contact your financial leasing company to determine minimum requirements.

In Pennsylvania, 6% of drivers are uninsured. To ensure you have enough auto insurance coverage to face anything on the road, MoneyGeek recommends that drivers in Pennsylvania should have at least 50/100/50 in liability limits and full coverage insurance. This coverage can protect against the cost of damage to your vehicle and ensures you have enough to handle any third-party medical bills with less risk of out-of-pocket expenses.

Penalties for Driving Without Car Insurance in Pennsylvania

Car insurance is required in Pennsylvania — without it, you may face penalties and fines that can halt your ability to drive legally. Drivers should always keep substantial proof of insurance in their cars, such as an insurance identification card or a copy of the declaration page of your insurance policy.

If you are stopped by law enforcement in Pennsylvania and caught without proof of insurance, you are liable to face the following penalties and expenses:

  • Minimum $300 fine
  • Three-month suspension of vehicle registration
  • Three-month suspension of driver’s license
  • Restoration fee for vehicle registration and driver’s license
  • No driving of the vehicle while registration is suspended

Frequently Asked Questions About Car Insurance in Pennsylvania

To help new drivers in Pennsylvania, MoneyGeek has answered a few commonly asked questions.

Is Car Insurance Required In Pennsylvania?
Do You Need Car Insurance To Register a Car In Pennsylvania?
What Is “Basic” Car Insurance in Pennsylvania?
Does Insurance Follow the Car or Driver in Pennsylvania?
Can You Get Car Insurance Without a License In Pennsylvania?
Is Pennsylvania a No-Fault State, and What Does This Mean?
Is PIP Coverage Required in Pennsylvania?
Does Pennsylvania Require Uninsured Motorist Insurance?
Does Pennsylvania Allow for Diminished Value Compensation After an Accident?
How Do Car Insurance Requirements Change After a DUI in Pennsylvania?
What Is CARCO Inspection, and Is it Required?

Learn More About Car Insurance

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.