Pennsylvania Car Insurance Quotes, Laws, and Other Info

If you want to learn about Pennsylvania auto insurance, we’ve got all the information you’ll need right here. Keep reading for information on required coverage, penalties for driving uninsured, important coverage decisions, and more.

Mandatory Insurance Law

Minimum Pennsylvania Coverage Requirements

There are two main parts of a minimum policy: liability and medical benefits.

Liability

When someone driving your car causes a crash, it pays for victims’ hospital and repair bills. However, it only pays up to a certain amount. Minimum policies include $30,000 worth of coverage for medical bills and $15,000 for property damages. If you get the minimum amount of liability insurance, you may see it referred to as 15/30/15 coverage. You can buy more than the minimums to be better protected.

Remember, liability doesn’t cover the driver’s hospital bills or car repairs. It only covers those costs for crash victims.

Medical Benefits: When someone insured by your policy is injured in an accident, it helps pay their hospital bills no matter who caused the crash. Minimum policies have only $5,000 worth of coverage, but you have the option of buying more. You can choose a higher limit or buy “extraordinary medical benefits” coverage to increase your protection. That coverage type is explained in detail further down the page.

Penalties for Driving Uninsured

If you break the law and don’t buy coverage, you could face some serious financial setbacks. If someone crashes your car, you could get stuck having to pay other people’s hospital and repair bills. You could also get your car impounded and your license and registration suspended. On top of that, you may have to pay hundreds of dollars in fines and fees.