Pennsylvania car insurance: minimums, prices and your estimate
Pennsylvania requires at least $15,000 of bodily injury liability per person, $30,000 per accident, and $5,000 of property damage liability (written 15/30/5).
Pennsylvania's minimum limits are among the lowest in the country, and it uses a choice no-fault system: every policy includes $5,000 in medical benefits, and you choose full tort or limited tort, which restricts lawsuits for pain and suffering.
- Legal minimum
- 15/30/5 + $5k PIP
- Fault system
- Choice no-fault
- Personal injury protection
- Required, $5,000 minimum
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Not allowed
- High-risk proof filing
- Check with PennDOT
What drivers in Pennsylvania can expect to pay
Monthly ranges from our model, anchored to Pennsylvania's position in 7 published price studies from 2025 and 2026 ($2,700 a year for full coverage and $644 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $193-$257 | $2,700 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $46-$61 | $644 |
| Young driver, full coverage20, own policy, clean record | $360-$540 | $5,400 |
| Senior, full coverage70, clean record | $186-$246 | $2,592 |
| After one at-fault accident35, full coverage | $290-$385 | $4,050 |
| After a DUI35, full coverage | $338-$508 | $5,076 |
| Poor credit35, clean record, full coverage | $345-$497 | $5,049 |
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Rules worth knowing in Pennsylvania
- Limited tort bars pain-and-suffering claims unless the injury is serious, as your policy defines it, or an exception applies, such as an impaired or uninsured at-fault driver. Full tort applies if you make no choice after notice, but an uninsured owner is treated as having limited tort.
- Insurers must offer uninsured and underinsured motorist coverage, and you can turn each down only by signing a separate rejection form required by law. If a form is not done correctly, the coverage applies at your bodily injury limits.
- By law, insurers may not charge different rates based on gender, race, religion or national origin. Some insurers use credit history to set premiums, but they cannot use it to raise your rate at renewal.
- Drivers 55 and older who complete a PennDOT-approved driver improvement course get a discount of at least 5% per vehicle.
- If your coverage lapses, your registration can be suspended for 3 months, or you can pay a $500 civil penalty instead, no more than once in 12 months. Driving uninsured adds a 3-month license suspension and a $300 fine.
- PennDOT tracks coverage through insurer reports and requires proof of insurance after certain traffic convictions and to lift a suspension, so if you are asked for an SR-22, check the requirement with PennDOT.
Questions about Pennsylvania car insurance
What is the minimum car insurance in Pennsylvania?
Pennsylvania requires at least $15,000 of bodily injury liability per person, $30,000 per accident, and $5,000 of property damage liability (written 15/30/5).
How much is car insurance in Pennsylvania per month?
For a 35-year-old with a clean record, our model puts full coverage at about $193 to $257 a month and state-minimum coverage at about $46 to $61. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Pennsylvania a no-fault state?
Partly. Every Pennsylvania policy includes first-party medical benefits, and you choose full tort (you keep your full right to sue) or limited tort (cheaper, limits lawsuits over pain and suffering for minor injuries).
Can insurers in Pennsylvania use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in Pennsylvania?
Only if a court or the state requires one, usually after a serious violation or a lapse. PennDOT tracks coverage through insurer reports and requires proof of insurance after certain traffic convictions and to lift a suspension, so if you are asked for an SR-22, check the requirement with PennDOT.