Pennsylvania Car Insurance
Pennsylvania's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
15/30/5
+ PIP (choice)
Avg. full coverage
$1,900/yr
Liability system
choice
Estimate your Pennsylvania premium
Estimated annual premium
$1,380
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Pennsylvania car insurance requirements
Pennsylvania has low 15/30/5 minimums and lets you choose between "full tort" and cheaper "limited tort" rights.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Pennsylvania car insurance FAQ
What is the minimum car insurance required in Pennsylvania?
Pennsylvania requires at least 15/30/5 in liability coverage + PIP (choice) — that's $15k bodily injury per person, $30k per accident, and $5k property damage. Pennsylvania has low 15/30/5 minimums and lets you choose between "full tort" and cheaper "limited tort" rights.
How much does car insurance cost in Pennsylvania?
Full-coverage car insurance in Pennsylvania averages roughly $1,900 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Pennsylvania a no-fault state?
Pennsylvania is a choice no-fault state. You can choose between the no-fault system and full tort rights, which affects both your premium and your right to sue.
Why is car insurance priced the way it is in Pennsylvania?
Pennsylvania averages about $1,900/yr — roughly mid-pack. Your own rate swings far more on age, record, credit (where allowed), vehicle, and ZIP than on the state average, so always compare quotes.
What's the cheapest way to insure a car in Pennsylvania?
Carry at least the 15/30/5 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.