Car insurance · Pennsylvania
Car insurance requirements in Pennsylvania
Liability 15/30/5 plus $5,000 medical benefits. Claims system: choice no-fault.
Verified summaryAll Pennsylvania insurance topics
Requirements
Minimum car insurance requirements in Pennsylvania
| 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 |
What the law requires you to carry
- Bodily injury liability: $15,000 for one person, $30,000 per accident
- Property damage liability: $5,000
- Medical benefits: $5,000
Uninsured drivers
Uninsured motorist coverage in Pennsylvania
Not listed as required.
Optional coverage
Coverage you can add in Pennsylvania
- Higher limits for each required coverage
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Optional first-party benefits
Penalties
Penalties for driving without insurance in Pennsylvania
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.
Good to know
Other things 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.
Contacts
Who to contact in Pennsylvania
- 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.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Pennsylvania.
Home insurance resources and the health marketplace for Pennsylvania are on its overview page.