Pennsylvania Auto Insurance Requirements & Rates

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Pennsylvania's 15/30 minimum is among the lowest in the nation—a single serious injury claim can exceed $15,000 within hours of emergency treatment. Drivers who select full tort retain the right to sue for pain and suffering, while limited tort restricts that right except in cases of serious injury as defined by state law.

Pays for damage to another vehicle or property when you're at fault. The $5,000 state minimum covers only basic repairs—the average vehicle repair claim in Pennsylvania runs $4,200–$6,800, and total loss claims for newer vehicles routinely exceed $20,000. This is the lowest property damage minimum among mid-Atlantic states.

Covers your medical expenses regardless of fault, a component of Pennsylvania's no-fault system. You can waive this coverage by signing a written rejection, but doing so means you rely solely on health insurance or at-fault party's liability for injury costs. This coverage coordinates with health insurance and typically pays after other coverage is exhausted.

Protects you when hit by a driver with no insurance or inadequate limits. With approximately 7.6% of Pennsylvania drivers uninsured and many carrying only state minimums, this coverage fills critical gaps—especially in Philadelphia and Allegheny counties where uninsured rates climb above 9%. Insurers must offer UM/UIM at limits matching your liability coverage unless you reject it in writing.

Collision covers damage to your vehicle in accidents regardless of fault; comprehensive covers theft, vandalism, weather damage, and animal strikes. Pennsylvania sees significant deer-vehicle collisions in rural counties—over 3,400 crashes annually in Lycoming, Centre, and Clinton counties alone. Lenders require both coverages for financed or leased vehicles.

Meets Pennsylvania's 15/30/5 liability requirement with limited tort selection and first-party medical benefits. Leaves you personally liable for damages exceeding these low limits.

Increases liability to 100/300/100, adds uninsured motorist coverage at matching limits, and typically includes full tort. Provides adequate protection for most drivers with moderate assets.

Includes comprehensive and collision with $500–$1,000 deductibles, 250/500/100 liability limits, full tort, and enhanced uninsured motorist protection. Required for financed vehicles and recommended for newer cars.

Covers injury and property damage you cause to others. Pennsylvania's 15/30/5 minimum is inadequate for serious accidents—a single hospital admission can exceed $15,000, and totaled vehicles routinely cost $25,000–$45,000.

Combines liability, collision, comprehensive, and uninsured motorist coverage into complete protection for both your vehicle and legal exposure. Required by lenders and recommended for vehicles worth over $5,000.

Pays for vehicle damage from theft, vandalism, weather, fire, and animal collisions. Covers everything except accidents with other vehicles or objects.

Repairs or replaces your vehicle after accidents with other cars or objects, regardless of fault. Works with your chosen deductible, typically $500–$1,000.

Protects you when hit by drivers with no insurance or insufficient coverage. Covers medical bills, lost wages, and vehicle damage that the at-fault driver cannot pay.

A certificate of financial responsibility filed by your insurer to prove continuous coverage after serious violations like DUI, driving without insurance, or multiple at-fault accidents.