State guide
Insurance in Pennsylvania
Required coverage, penalties, official contacts and sources for Pennsylvania, reviewed 2026-10.
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Car insurance
What Pennsylvania requires.
Liability 15/30/5 plus $5,000 medical benefits. Claims system: choice no-fault.
| Coverage | Requirement in Pennsylvania |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
| Injury protection | First-party medical benefits: $5,000 required |
| Uninsured / underinsured motorist | Not listed as required |
Required coverage
- Bodily injury liability: $15,000 for one person, $30,000 per accident
- Property damage liability: $5,000
- Medical benefits: $5,000
Other coverage commonly available
- Higher limits for each required coverage
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Optional first-party benefits
If you drive without required coverage
Operating a vehicle without the required insurance may result in a fine, suspension of your driver's license, and forfeiture of your license plate and registration sticker. Restoration fees and proof of insurance are required to get them back.
Notices
What to know in Pennsylvania.
- A lapse in coverage may result in suspension of your vehicle registration. Insurers must report policy terminations to PennDOT, and drivers are responsible for proving continuous coverage.
- Some companies offer a combined single limit of $35,000 that satisfies both the bodily injury and property damage minimums.
- Pennsylvania law requires a premium reduction of at least 5% for each vehicle on a private passenger policy when all named policyholders are 55 or older and have completed a PennDOT-approved driver improvement course.
- Pennsylvania drivers also choose between limited tort and full tort options. Ask your insurer and read the department's Auto Insurance Guide.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Department guides for homeowners and flood
- The Pennsylvania Insurance Department publishes a consumer guide for homeowners and a separate guide to flood insurance.
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
Health insurance
Pennie
Pennie (state-based marketplace)
- Pennsylvania runs its own marketplace, Pennie. State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Pennsylvania Insurance Department
- Website: pa.gov/agencies/insurance
- Contact page
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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