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 where drivers select either full tort or limited tort at policy purchase. All drivers must carry proof of insurance and present it during traffic stops or after accidents. The Pennsylvania Department of Insurance requires insurers to offer first-party benefits alongside liability coverage, creating a hybrid coverage structure unique among U.S. states.
Bodily Injury Liability
Property Damage Liability
First-Party Medical Benefits
Uninsured/Underinsured Motorist Coverage
Collision and Comprehensive
Cost Overview
about $96/mo
Average car insurance spending in Pennsylvania
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
Is Pennsylvania a no-fault state for car insurance?
Pennsylvania operates a choice no-fault system where first-party medical benefits cover your injuries regardless of fault, but you can sue the at-fault driver under rules determined by your tort selection. This hybrid approach differs from pure no-fault states—you retain lawsuit access but the scope depends on whether you chose full tort or limited tort coverage.
How does Pennsylvania verify auto insurance coverage?
Pennsylvania participates in the Insurance Information Exchange, allowing PennDOT to electronically verify coverage with insurers. Police can check insurance status during traffic stops, and the state conducts random verification mailings requiring proof of coverage within 30 days. Failure to provide proof triggers registration and license suspensions even if you actually have coverage.
Coverage Types
Liability Insurance
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.
Full Coverage
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.
Comprehensive Coverage
Pays for vehicle damage from theft, vandalism, weather, fire, and animal collisions. Covers everything except accidents with other vehicles or objects.
Collision Coverage
Repairs or replaces your vehicle after accidents with other cars or objects, regardless of fault. Works with your chosen deductible, typically $500–$1,000.
Uninsured Motorist Coverage
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.
SR-22 Insurance
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.