Pennsylvania Auto Insurance

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Here's what you need to know...
  • Pennsylvania is a choice no-fault state
  • Cheap coverage isn’t necessarily the best coverage; consider additional coverage for protection
  • Check on the minimum state requirements and any discounts in order to get the insurance rate you need

Know the rules and regulations of PA before purchasing your Pennsylvania car insurance policy.

Being a car owner is a pleasant experience for most people, who enjoy being in control of their own transportation and expressing their individuality in the size, color, and style of vehicle driven.

However, if you live in Pennsylvania, it’s important to remember that there are unique requirements for car insurance.

Read on to learn all about PA car insurance and then enter your zip code to start comparing free online Pennsylvania car insurance quotes!

PA Auto Insurance Coverage Basics

"Helpful tips" written on chalkboard

If you’re thinking of moving to Pennsylvania or purchasing a car there in the near future, there are some things you should keep in mind:

  1. Every state has different requirements. Don’t just assume that your old policy or your current insurance company is going to work in a new location.
  2. The cheapest policy is not always the best policy; think about what you’re willing to pay in the event of an accident and what your budget can handle for a monthly premium.
  3. Good driver discounts are available, but most companies won’t tell you how to take advantage of them if you don’t ask.

Pennsylvania is a No Fault State

One of the things that out of state drivers find different about Pennsylvania car insurance is that it operates under a choice no-fault policy.

A no-fault policy means that when accidents occur between two or more vehicles, each driver seeks restitution from his or her own car insurance company, not those of the other drivers.

In Pennsylvania, a driver can decide to participate in a tort system or a no-fault system when purchasing insurance. 

If a driver opts into the no-fault system, they are not allowed to sue for pain and suffering.

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Pennsylvania Minimum Auto Insurance Coverage Requirements

If you are operating on a tight PA car insurance budget, it’s a good idea to know the exact policy dollar amounts that are required by the state, do you don’t waste your money on coverage that you don’t actually need to be a legal driver.

In Pennsylvania, the minimum limits are:

  • $15,000 for the medical expenses of a single driver
  • $30,000 for the combined medical expenses of all passengers in the vehicle
  • $5,000 for any property damages, including repairs to the vehicle of the victim

Pennsylvania Car Insurance Options


Although many people are tempted to opt for the very least amount of PA auto insurance coverage they are required to carry, it’s important to realize that there are Pennsylvania car insurance options that can save you additional money in the long run.

If you’ve got a car that you really want to protect, keep these additional types of coverage in mind:

  • Comprehensive and Collision Insurance – pays for damages incurred by the vehicle of the driver deemed responsible for the wreck. Those without comprehensive and collision insurance will be required to pay for all of their own repairs.
  • Gap Insurance – covers the difference between the value of your vehicle and the amount that you own on the loan, in the case that the car is totaled while it is still owned by the bank.
  • Uninsured Motorists Insurance – protects you in the event that you are involved in a wreck with a person who is not carrying liability insurance.

Get started comparing Pennsylvania car insurance rates by entering your zip code now!

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