Pennsylvania has a unique "Choice No-Fault" insurance system that gives drivers options most states don't offer. Understanding how it works helps you choose the right coverage and save money.
Pennsylvania Minimum Insurance Requirements
Pennsylvania requires all drivers to carry 15/30/5 liability coverage, plus $5,000 in Medical Benefits (MedPay):
| Coverage Type | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury Liability | $15,000 per person / $30,000 per accident | Medical expenses for others you injure |
| Property Damage Liability | $5,000 per accident | Damage you cause to others' property |
| Medical Benefits (MedPay) | $5,000 | Your medical bills regardless of fault |
Our recommendation: Pennsylvania minimums are low. $5,000 in property damage won't cover a modern car repair. Upgrade to at least 100/300/100 with $50,000+ in medical benefits.
Pennsylvania's Choice No-Fault System
Pennsylvania lets you choose between two systems when buying insurance:
Full Tort (Default)
- Full right to sue for all accident-related damages, including pain and suffering
- Higher premium (typically 10–20% more)
- Best protection if you're seriously injured
Limited Tort (Cheaper Option)
- Lower premium (5–15% savings)
- Restricted right to sue — you can only sue for "serious injury" as defined by PA law
- You can still recover medical bills and lost wages through your own coverage
Which should you choose? Limited Tort saves money upfront but can cost you significantly if you're seriously injured. If you have substantial assets or depend on your income, Full Tort is usually worth the extra cost. Consult with an attorney if you're unsure.
Average Car Insurance Costs in Pennsylvania
| Coverage Level | Avg. Annual Cost |
|---|---|
| Minimum (15/30/5 + MedPay) | $500 – $700 |
| Full Coverage | $1,700 – $2,500 |
Average Rates by City
| City | Avg. Annual (Full Coverage) |
|---|---|
| Philadelphia | $2,400 – $3,200 |
| Pittsburgh | $1,800 – $2,300 |
| Allentown | $1,700 – $2,100 |
| Erie | $1,500 – $1,900 |
| Harrisburg | $1,600 – $2,000 |
Cheapest Insurers in Pennsylvania
| Insurer | Avg. Annual (Full Coverage) |
|---|---|
| USAA (military) | $1,300 – $1,700 |
| GEICO | $1,500 – $2,000 |
| State Farm | $1,600 – $2,100 |
| Progressive | $1,700 – $2,300 |
| Penn National | $1,500 – $2,000 |
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Compare Quotes →Pennsylvania Insurance Laws You Should Know
Minimum Medical Benefits Are Required
Unlike most states, PA requires $5,000 in MedPay (medical benefits) on every policy. This covers your medical bills regardless of fault — a valuable protection that many drivers overlook.
Penalties for Driving Without Insurance
- First offense: $300 fine + 3-month license suspension
- Second offense: $300 fine + 6-month license suspension
- Third offense: $300 fine + 1-year license suspension
- Vehicle registration may also be suspended
Uninsured/Underinsured Motorist Coverage
Insurers must offer UM/UIM coverage. You can reject it in writing, but with about 7% of PA drivers uninsured, it's recommended protection.
Pennsylvania Discounts to Ask About
- Safe driver discount — clean record for 3+ years
- Good student discount — B average or better
- Multi-policy discount — bundle with renters/homeowners
- Multi-vehicle discount — insure more than one car
- Defensive driving discount — complete an approved course
- Low mileage discount — drive under 7,500–10,000 miles/year
- Anti-theft device discount — especially valuable in Philadelphia
- Limited Tort discount — choosing Limited Tort lowers your premium
Frequently Asked Questions
Is car insurance mandatory in Pennsylvania?
Yes. PA requires liability (15/30/5) and Medical Benefits ($5,000) coverage. Driving without insurance results in fines, license suspension, and registration suspension.
Should I choose Full Tort or Limited Tort?
Full Tort costs more but gives you full rights to sue for pain and suffering. Limited Tort saves 5–15% but restricts your right to sue. If you have significant assets or depend on your income, Full Tort is usually the better choice.
Why is Philadelphia car insurance so expensive?
Philadelphia has high rates due to population density, high theft and vandalism rates, more frequent claims, higher repair costs, and insurance fraud. Urban PA zip codes can cost 40–60% more than rural areas.
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