Pennsylvania car insurance requirements
Every driver in Pennsylvania must carry at least this coverage. It’s a “choice no-fault” state: you choose limited or full tort when you buy your policy.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
| First-party medical benefits | $5,000 |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Pennsylvania drivers should know
- Pennsylvania is a “choice no-fault” state. You choose limited tort (lower premiums, but limited rights to sue for pain and suffering) or full tort (higher premiums, full right to sue).
- Pennsylvania’s minimum limits are among the lowest in the country — a serious crash can easily exceed $15,000/$30,000, so many drivers buy more.
- Uninsured and underinsured motorist coverage must be offered; you can reject it only in writing.
Home insurance in Pennsylvania
- Winter storms, frozen pipes and heavy snow on older roofs are common causes of Pennsylvania home claims.
- Standard policies exclude flood and earth movement — including mine subsidence, which matters in parts of western and central Pennsylvania where state-backed mine subsidence insurance is available.
- The Pennsylvania FAIR Plan provides basic property coverage for homes private insurers won’t cover.
Ways to save in Pennsylvania
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.