Pennsylvania Auto Insurance

Minimum Coverage – Minimum auto insurance coverage required in Pennsylvania must provide at least $15,000 for injury liability per person in an accident, $30,000 for all injuries in a single accident, and $5,000 for property damage in that accident.

All motorists in PA are required to have a minimum of auto insurance liability coverage.

If you are unable to find a company willing to sell you auto insurance, ask an agent to help you make an application to the Pennsylvania Assigned Risk Plan. In order for your agent to offer you an assigned risk plan policy, he or she must be certified by the Plan. You can get an instant quote to compare or buy auto insurance here.

Pennsylvania is a “No Fault” state. That means that every driver is required to purchase Personal Injury Protection, PIP, in which the driver’s insurance company covers injury-related expenses and associated costs as a result of an accident regardless who is at fault. This insures that every motorist will receive immediate medical attention. Also, this limits a driver from suing or being sued for damages as a result of an accident in most cases. However, based on the severity of the accident/injury or monetary amount, if you are at fault you may be subject to a lawsuit for damages.

For more information on No Fault insurance, check out our article listed on no fault auto insurance

Since insurance companies use different methods of computing a driver’s auto insurance premium, it does pay to shop around for a policy with the best coverage at the lowest price. The good news is that shopping on-line and comparing quotes is relatively easy. Get instant quotes online here!

Insurance Commissioner's Office

1326 Strawberry Square
Harrisburg, PA 17120

Phone: 717 787-2317
Fax: 717 787-8585
TTY/TDD: 717 787-3898
Toll free: 877 881-6388

You can visit the Pennsylvania Insurance Department for more information.