Car Insurance in Pennsylvania: 2026 Rates & Requirements

Pennsylvania has one of the lowest sets of minimum liability requirements in the country - $15,000/$30,000/$5,000 - which keeps a bare-minimum policy cheap on paper, but leaves a driver seriously underinsured if they cause a costly accident.

Minimum Insurance Requirements in Pennsylvania

Pennsylvania requires drivers to carry at least $15,000/30,000 in bodily injury liability (per person / per accident) and $5,000 in property damage liability. Pennsylvania requires $5,000 in medical benefits coverage, and lets drivers choose between "full tort" and "limited tort" when buying a policy. Pennsylvania is a choice no-fault state - you select full tort or limited tort when buying your policy, and that choice affects both your premium and your right to sue after an accident. These are legal minimums, not a safety net for your own finances — most independent advisors recommend carrying meaningfully higher limits than the state requires, especially if you own a home or have savings to protect.

What Drives the Cost of Car Insurance in Pennsylvania

Pennsylvania is a "choice no-fault" state, which means every driver buying a policy has to actively choose between "full tort" (keeping your full right to sue for pain and suffering after an accident) and "limited tort" (a cheaper premium, in exchange for giving up most of that right except in serious-injury cases). That choice meaningfully affects your premium, and it's worth understanding before you buy, not after a claim. On the cost side, Philadelphia and Pittsburgh carry noticeably higher premiums than the state's many smaller cities and rural counties, mainly from denser traffic and higher claim frequency.

Get Your Own Pennsylvania Estimate

The figures above are state averages for a 35-year-old driver with a clean record and full coverage — useful as a benchmark, but your own rate depends on your exact ZIP code, vehicle, driving history, and coverage choices. Run your own free, no-signup estimate below, pre-filled for Pennsylvania.