Pennsylvania car insurance: requirements & free quotes
Pennsylvania is a choice no-fault state where drivers choose between limited tort and full tort, which affects both premium and the right to sue for pain and suffering. Its 15/30/5 liability minimum is among the lowest in the country.
Minimum coverage in Pennsylvania
$15,000
Bodily injury per person
$30,000
Bodily injury per accident
$5,000
Property damage
Bodily injury liability $15,000 per person / $30,000 per accident
Property damage liability $5,000 per accident
First-party medical benefits $5,000
Shown as 15/30/5 + Medical benefits 5,000. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Pennsylvania
- Weigh limited tort versus full tort carefully, since limited tort restricts your right to sue.
- The liability minimum is low, so higher limits can protect your assets.
- Uninsured/underinsured motorist coverage must be offered and is worth keeping.
- Comprehensive coverage helps with deer collisions, a frequent claim in Pennsylvania.
We connect drivers across Pennsylvania
Including Philadelphia, Pittsburgh, Allentown, Reading and Erie — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Pennsylvania car insurance FAQ
Pennsylvania is a "choice no-fault" state: drivers choose between a no-fault policy, which limits the right to sue, and a traditional tort policy, which keeps it. The choice usually affects the price.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.