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 as a choice no-fault state, allowing drivers to select either limited tort (lower premiums, restricted lawsuit rights) or full tort (higher premiums, unrestricted lawsuit rights for pain and suffering claims). All drivers must carry proof of insurance and the state requires insurers to offer first-party medical benefits coverage. The Pennsylvania Department of Insurance mandates that insurers notify the state when a policy lapses, triggering immediate registration suspension.
Bodily Injury Liability
Property Damage Liability
First-Party Medical Benefits
Uninsured/Underinsured Motorist Coverage
Tort Option Selection
Cost Overview
$37–$90/mo
Typical monthly rate in Pennsylvania, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
What Affects Your Rate
- Pennsylvania's deer-vehicle collision rate exceeds 1 in 57 registered vehicles annually, making comprehensive coverage costlier in rural counties
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Pennsylvania's 15/30/5 minimum leaves you personally liable for any damages exceeding these limits — a totaled $35,000 SUV means you pay $30,000 out of pocket with minimum property damage coverage.
Full Coverage
Bundles liability, collision, and comprehensive coverage to protect both your legal liability and your own vehicle. Includes coverage for deer strikes, hail, theft, vandalism, and at-fault accidents.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Your insurer must offer limits matching your liability coverage unless you reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Only financially rational if your vehicle's value exceeds $4,000–$5,000 — below that threshold, premiums plus deductible often exceed total loss payout.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, fire, hail, flooding, and animal strikes. Pennsylvania processes over 115,000 deer-strike insurance claims annually, making this the most frequently claimed non-liability coverage in rural areas.
SR-22 Insurance
Not a separate coverage type, but a state filing proving you carry minimum liability insurance after certain violations. Required in Pennsylvania for DUI convictions, driving uninsured, or accumulating excessive points.