Pennsylvania (PA) Car Insurance Requirements (2026)
The minimum you need
- Bodily injury per person
- $15,000
- Bodily injury per accident
- $30,000
- Property damage
- $5,000
15/30/5 is one of the lowest minimums in the country.
Choice no-fault state You choose at signup whether you're under no-fault rules or keep the full right to sue.
What else is required
PIP (personal injury protection): Not required
MedPay (medical payments): Required
Pennsylvania is one of only a few states that require medical payments coverage.
Uninsured motorist: Not required
Has to be offered, and you can decline it in writing.
Rating factors
- Insurers can't use your gender to set your price.
- When you set up a policy, you pick full tort or limited tort. Limited tort is cheaper, but it limits your right to sue for pain and suffering after a crash. Full tort costs more and keeps that right.
Teen and new driver notes
The tort choice is the decision most new drivers and parents make without realizing it. Ask your agent which one is on the quote before you sign.
New to all this? Start with the new driver guide.
Penalties for driving uninsured
Driving without insurance can mean fines and a suspended registration.
Penalty schedules change and vary by county. Confirm current fines with the Pennsylvania Insurance Department before relying on this for a specific situation.