Pennsylvania Auto Insurance Rates & Requirements
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 policyholders select between limited tort (restricts lawsuit rights, lower premiums) and full tort (preserves full lawsuit rights, higher premiums) when purchasing coverage. All drivers must carry proof of financial responsibility, and insurers report policy status electronically to the Pennsylvania Department of Transportation.
Bodily Injury Liability
Property Damage Liability
First-Party Medical Benefits
Uninsured/Underinsured Motorist Coverage
Tort Option Selection
Cost Overview
about $96/mo
Average car insurance spending in Pennsylvania
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- The state's aging bridge infrastructure — with over 3,300 structurally deficient bridges as of recent PennDOT reports — contributes to higher property damage claim severity in certain corridors.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Pennsylvania a no-fault state for car insurance?
Pennsylvania operates under a choice no-fault system where drivers select limited tort (no-fault) or full tort (at-fault) when purchasing coverage. Under limited tort, you receive first-party medical benefits regardless of fault but cannot sue for pain and suffering except in serious injury cases. Full tort preserves traditional at-fault lawsuit rights. This tort selection applies per vehicle and affects both premium cost and recovery rights after accidents.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Pennsylvania's 15/30/5 minimum is the lowest property damage requirement in the nation and inadequate for most accidents involving newer vehicles or multiple cars.
Full Coverage
Combines comprehensive, collision, and higher liability limits to protect both your vehicle and assets. Typically includes 100/300/100 or higher liability, full tort selection, and physical damage coverage with deductibles ranging from $500 to $1,000.
Comprehensive Coverage
Pays for vehicle damage from non-collision events including theft, vandalism, hail, flood, and animal strikes. Covers glass damage, which is common on Pennsylvania highways from debris and winter road treatment materials.
Collision Coverage
Covers damage to your vehicle from accidents with other cars or objects regardless of fault. Pays up to actual cash value minus your deductible, making it critical protection for vehicles worth more than $5,000.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. Includes both bodily injury and property damage protection, with stacking available to multiply limits across vehicles on your policy.
First-Party Medical Benefits
Pays your medical expenses regardless of fault, covering treatment costs up to your selected limit without deductible. Part of Pennsylvania's no-fault structure, available in amounts from $5,000 to $1,000,000.