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.

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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:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Read about special auto insurance considerations for drivers in:

• Philadelphia
• Pittsburgh

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010