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Pennsylvania Auto Insurance

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Pennsylvania Auto Insurance Minimums

  • $15,000 bodily injury for one person
  • $30,000 per accident
  • $5,000 property damage
  • Click here for more auto insurance minimums in Pennsylvania.

Pennsylvania DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Penalties increase for BAC ranges 0.08%-0.09%; 0.10%-0.15%, and 0.16% and above..
  • Click here for more DUI laws in Pennsylvania.

Pennsylvania SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Pennsylvania.

Pennsylvania Hands-Free Laws

  • The Pennsylvania legislature is considering several cell phone/texting laws.
  • The Pennsylvania House passed a ban on text-based communications while operating a motor vehicle.
  • Click here for Hands-Free laws in Pennsylvania.

Pennsylvania Teen Auto Insurance

  • Pennsylvania utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • Pennsylvania teens must be 16 years old to qualify for a GDL.
  • Click here to learn all you need to know about Pennsylvania teen driver laws.
Most people know and understand that driving without insurance is not an option. Not only is it dangerous, it is also illegal. However, many people don't realize that being underinsured can also be personally devastating. Without the proper coverage amounts, your home, savings, future income, all other personal assets and property can be at risk in order to cover the costs of accident-related medical bills, property damage and lawsuits.

Pennsylvania is a no-fault state. By law, all motorists must purchase and maintain Personal Injury Protection (PIP). This coverage provides funds to cover injury-related expenses that occur in an accident without regard to who is at fault.

The State of Pennsylvania also mandates the following minimum coverage amounts for all of its motorists:

  • $15,000 total for bodily injury coverage, per person
  • $30,000 total for bodily injury coverage, per accident
  • $5,000 total for property damage, per accident
  • $5,000 total for medical payments

It's important to remember that these amounts are strictly the minimum which is required to maintain legal coverage under Pennsylvania law. Many times, these minimum numbers are woefully inadequate to fully cover damages which occur in an accident for which you are found legally responsible. To avoid having to pay the cost difference out-of-pocket, you may want to consider choosing higher amounts of insurance coverage when you purchase your own policy.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Uninsured/Underinsured Motorist Coverage, Collision Coverage, and Comprehensive Coverage.

For any other concerns or questions, please contact:

Pennsylvania Insurance Department
1326 Strawberry Square
Harrisburg, PA 17120
(717) 787-2317
(717) 783-3898 Hearing Impaired

Pennsylvania Car Insurance Agents

If you live in Pennsylvania and are searching for an auto insurance agent to assist you with your insurance needs, you are in the right place.

Auto insurance agents are fully qualified professionals whose job is to make buying auto insurance easy and enjoyable for their customers. They are able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can put together a policy which is just right for you-one that protects you and your property as well as your assets. A trusted professional agent will stand by you when you have to submit a claim and will work hard to ensure that your policy is up-to-date and continues to meet your needs and personal situation. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to ensure that you get an auto insurance policy that meets both your needs and budget and strictly adheres to the law regarding Pennsylvania Auto Insurance minimum requirements.

Tips to saving money on your insurance premiums

  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • Reduce coverage on an older vehicle, especially if it's paid for.
  • Drive carefully. A clean driving record can add up to big savings when buying insurance.
  • If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Check your credit score before applying for insurance to make sure it is accurate and up-to-date.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.

It is now easy for Pennsylvania residents to find the lowest auto insurance rates. is a one-stop-shop for all your insurance needs, from comparing insurance products to requesting an online quote. With the resources offered by, you can shop for your auto insurance with minimal difficulty. By making informed insurance decisions, you can save a significant time and money. offers information on the lowest Pennsylvania auto insurance rates for the entire state.

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