Pennsylvania Auto Insurance Requirements
Pennsylvania is a "Choice No-Fault" state, which means you can choose between a "Tort" and a "No-Fault"/"Limited Tort" auto insurance policy.
Under the tort system, you are financially responsible for any personal injuries or property damage from an auto accident in which you were at fault. But because tort is limited, suing is limited to only direct expenses like medical bills, not for non-financial damages like “pain and suffering,” unless the damages are very serious. The tort system holds a lower premium than no-fault.
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The no fault system simply means that your insurance covers your personal injury and property damages.
Either way, Pennsylvania ’s auto insurance laws require you to carry the following in order to operate a motor vehicle:
- Liability insurance with the minimums of 15/30/5 (see the chart below).
You can also join the large group of Pennsylvania drivers with extra auto insurance protection by purchasing one or more of the following options: collision, comprehensive, uninsured and underinsured motorist, income loss, funeral benefit, and the extraordinary medical benefit.
| Coverage Type |
Required? |
Minimum Coverage Amount Required |
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Auto Insurance for Leased Vehicles in Pennsylvania (PA)
Most leasing companies in Pennsylvania typically require drivers to maintain insurance coverage which exceeds the minimums set by Pennsylvania state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
Read about special auto insurance considerations for drivers in:
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Pennsylvania Department of Transportation: Driver & Vehicle Services
1101 South Front Street
Harrisburg, PA17104
www.dmv.state.pa.us |
Pennsylvania Department of Insurance
1326 Strawberry Square
Harrisburg, PA 17120
www.insurance.state.pa.us |
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Esurance
Esurance offers a full set of insurance policies, providing their customers with many product choices. The company consistently lives up to high ideals, providing quality policies and excellent customer service. Esurance allows you to compare their quotes against quotes from other companies, so you can get the best coverage for the best price. After you get a quote, you can actually purchase a policy, pay for it, and print out a temporary insurance card, all within minutes.
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Last Updated: February 14, 2008
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