Pennsylvania

Auto Insurance Minimum Requirements

15/30/5

Liability Limits

Yes

No-Fault

$5,000

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$15,000

Bodily Injury (per accident)$30,000

Property Damage$5,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredYes — $5,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsNot used

Effective Date1990-07-01

Important Notes

Pennsylvania operates a 'Choice No-Fault' system: drivers choose between Full Tort (unrestricted pain/suffering lawsuits) or Limited Tort (restricted lawsuits for non-severe injuries). A minimum of $5,000 Medical Benefit PIP is compulsory.

Uninsured / Underinsured Motorist

Must be offered; can be declined via a signed, state-approved waiver form.

Alternatives to Insurance

Approved self-insurance certificates issued by PennDOT to qualifying individuals or companies.

Official Source

Pennsylvania Department of Transportation

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.