Auto Insurance Minimum Requirements
Pennsylvania requires all drivers to carry minimum liability coverage of $15,000 per person and $30,000 per accident for bodily injury, plus $5,000 for property damage — commonly written as 15/30/5. Pennsylvania is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is required at a minimum of $5,000.
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.
Fine
$300
License / Registration
Suspension: Yes (3 months)
SR-22 Required After
No
What is the minimum car insurance required in Pennsylvania?
Pennsylvania requires minimum liability coverage of $15,000 per person and $30,000 per accident for bodily injury, plus $5,000 for property damage. This is written as 15/30/5 coverage.
Is Pennsylvania a no-fault state?
Yes, Pennsylvania is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Pennsylvania?
Uninsured motorist coverage is not required in Pennsylvania, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Pennsylvania?
Driving without insurance in Pennsylvania can result in fines of $300 and license/registration suspension (Yes (3 months)).
Do I need an SR-22 in Pennsylvania?
SR-22 filings are not commonly required in Pennsylvania unless specifically ordered by a court.
What does 15/30/5 mean in Pennsylvania?
These numbers represent your liability limits: $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Pennsylvania Department of Transportation
More Pennsylvania Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Pennsylvania Department of Transportation publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.