Pennsylvania Car Insurance Requirements in 2025 (Minimum Coverage in PA)
Pennsylvania car insurance requirements are 15/30/5 for bodily injury and property damage liability coverage. PA car insurance rates start at $19/mo. Failure to meet PA car insurance laws will result in a minimum fine of $300 and suspension of your license.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
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Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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Updated April 2025
To meet Pennsylvania car insurance requirements, drivers must have a liability coverage of 15/30/5. PA car insurance rates start at $19 per month.
Failure to meet these standards and provide proof of insurance will result in a minimum fine of $300 and a 3-month registration suspension.
Pennsylvania Auto Insurance Minimum Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $15,000 per person / $30,000 per accident |
| Property Damage Liability | $5,000 per accident |
Enter your ZIP code to see the best insurance companies in your area, and read through our guide to compare the cheapest coverage options for your needs.
- Pennsylvania law requires 15/30/5 in auto insurance coverage
- See how you can avoid penalties through Pennsylvania insurance requirements
- Learn how you can save money by using PA car insurance discounts
This car insurance guide will help you find the best auto insurance coverage option that meets your vehicle’s requirements and financial needs.
Pennsylvania Auto Insurance Requirements & What They Cover
In Pennsylvania, all personal vehicles must meet specific minimum liability insurance requirements. This includes bodily injury liability coverage with limits of $15,000 per person and $30,000 per accident and property damage liability with a $5,000 limit.
In addition, Pennsylvania uniquely mandates first-party benefits—a type of coverage similar to Personal Injury Protection (PIP). While it’s the only state that requires this, the mandate applies only to medical coverage.
This benefit provides up to $5,000 to help cover medical expenses for the policyholder, listed drivers, and any relatives in the same household injured in a car accident.
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Cheapest Car Insurance in Pennsylvania
Regarding finding the lowest-cost car insurance in Pennsylvania, USAA stands out as the most affordable provider, earning top marks with a 4.8 rating from over 6,500 reviews.
6,590 reviewsCompany Facts
Min. Coverage in PA
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6,590 reviews
1,734 reviewsCompany Facts
Min. Coverage in PA
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1,734 reviews
18,157 reviewsCompany Facts
Min. Coverage in PA
A.M. Best
Complaint Level
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18,157 reviewsTravelers follows closely behind as the second-cheapest option, boasting a 4.4 rating, while State Farm ranks third with a 4.3 rating.
Pennsylvania drivers must meet the state’s minimum coverage requirements, which include $15,000 in bodily injury liability per person ($30,000 per accident) and $5,000 in property damage liability per accident.
Car Insurance Monthly Rates in Pennsylvania by Provider, Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $215 | $220 | $170 | $175 | $155 | $157 | $140 | $142 |
 | $135 | $140 | $120 | $125 | $110 | $112 | $95 | $97 |
 | $210 | $215 | $170 | $175 | $155 | $157 | $140 | $142 |
 | $198 | $203 | $152 | $155 | $135 | $137 | $118 | $120 |
 | $220 | $225 | $180 | $185 | $165 | $167 | $150 | $152 |
 | $110 | $115 | $95 | $100 | $90 | $92 | $80 | $82 |
 | $190 | $195 | $145 | $150 | $130 | $132 | $115 | $117 |
 | $205 | $210 | $160 | $165 | $140 | $142 | $125 | $127 |
 | $100 | $105 | $90 | $95 | $85 | $87 | $75 | $77 |
 | $160 | $165 | $130 | $135 | $120 | $122 | $105 | $107 |
Insurance rates vary based on age and gender, with Travelers consistently offering the lowest monthly premiums across all demographics, ranging from $100 for 17-year-old females to just $75 for 60-year-old females.
Car Insurance Monthly Rates in Pennsylvania by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $125 | $155 | $185 | $265 |
| $102 | $122 | $145 | $205 |
| $118 | $145 | $175 | $250 |
| $108 | $128 | $150 | $225 |
| $130 | $160 | $190 | $270 |
| $93 | $118 | $140 | $215 |
| $112 | $140 | $170 | $240 |
| $115 | $135 | $155 | $190 |
| $88 | $110 | $130 | $200 |
| $97 | $120 | $145 | $210 |
Regarding driving records, Travelers again leads with the lowest rates, starting at $88 for a clean record and $200 for a driver with a DUI. USAA and Nationwide also offer competitive rates, especially for drivers with clean records or minor infractions.
Read more: Cheapest Car Insurance Companies
Penalties for Driving Without Insurance in PA
If you cannot provide proof of insurance when requested by a police officer in Oregon, you may face several severe penalties.
Heidi Mertlich Licensed Insurance Agent
These can include a minimum fine of $300, a three-month suspension of both your vehicle registration and driver’s license, and a $50 restoration fee to reinstate them.
During the registration suspension period, no one can legally drive your vehicle.
Read more: If my license is suspended due to unpaid parking tickets, will my car insurance rates go up?
Additional Coverage Options in PA
Uninsured/underinsured coverage will help cover expenses if you are involved in a road accident with someone who does not have insurance, their insurance coverage isn’t enough to pay for all damages, or you’re involved in a hit-and-run accident.
Collision and comprehensive are usually grouped and sold together by insurance companies but are two separate coverages.
Collision provides additional coverage for vehicle repairs and related expenses if your car is in an accident, and comprehensive coverage covers damages incurred that don’t result from a collision.
If your vehicle is listed on the list of the most stolen cars in Pennsylvania, you should usually purchase this coverage. Even if it isn’t, you should strongly consider it. Enter your ZIP code to find the best Pennsylvania car insurance rates.
Frequently Asked Questions
What are the potential risks of only carrying Pennsylvania’s minimum liability coverage?
Only carrying the Pennsylvania state minimum car insurance puts you at risk of high out-of-pocket costs if damages exceed Pennsylvania car insurance minimums or PA minimum auto insurance requirements.
How does the “First Party Benefits” requirement in PA differ from personal injury protection (PIP)?
Under PA auto insurance requirements, First Party Benefits cover only medical expenses, unlike PIP in other states, which may also cover lost wages and more, according to Pennsylvania auto insurance laws and regulations. Understand first party benefits more by entering your ZIP code.
In what situations would choosing Full Tort over Limited Tort be more beneficial?
Full Tort, an option under Pennsylvania car insurance laws, lets you seek full compensation for pain and suffering, which PA car insurance requirements restrict under Limited Tort, a choice defined by auto insurance PA requirements.
Read more: Types of Car Insurance Coverage
Are there any circumstances where the state’s minimum coverage would not fully cover accident-related costs?
Yes, state minimum car insurance in Pennsylvania often isn’t enough in severe crashes, leaving drivers liable beyond the PA minimum auto insurance limits and Pennsylvania car insurance requirements.
What factors influence car insurance premiums the most in Pennsylvania?
Premiums under Pennsylvania car insurance requirements depend heavily on your driving record, age, location, and vehicle type, aligning with PA car insurance laws. See other factors influencing your premium by entering your ZIP code.
How does uninsured/underinsured motorist coverage work in a hit-and-run accident?
According to PA car insurance laws, this optional coverage helps pay your costs if the other driver can’t be identified or is underinsured, going beyond PA minimum auto and Pennsylvania car insurance requirements.
Read more: Uninsured/Underinsured Motorist Insurance Coverage
What discounts are commonly available to Pennsylvania drivers?
Drivers who meet Pennsylvania auto insurance laws and regulations may qualify for discounts based on safe driving, bundling, education, and safety features, all of which are within PA car insurance requirements.
Is comprehensive coverage necessary if I drive an older or paid-off vehicle in Pennsylvania?
While not part of the minimum auto insurance coverage in PA requirements, comprehensive coverage is still wise for older but valuable cars under car insurance PA requirements, offering extra protection beyond the state minimum car insurance in PA. Learn more about comprehensive coverage by entering your ZIP code.
How long does a lapse in car insurance stay on your record in Pennsylvania?
A lapse can last up to 3 years, affecting your premiums and compliance with PA car insurance requirements, which in turn impacts future rates under Pennsylvania car insurance laws.
Read more: What Does Car Insurance Cover?
What should I look for when comparing quotes from multiple car insurance providers in Pennsylvania?
When reviewing PA state minimum auto insurance, compare not just price but also coverage, service quality, and how well they meet car insurance PA requirements.
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