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Auto Insurance Requirements In Pennsylvania

Pennsylvania Auto Insurance 

According to Pennsylvania state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Pennsylvania law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the state of  Pennsylvania

Pennsylvania law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

While Pennsylvania is a no-fault state, you are still required to purchase liability insurance.

Liability coverage helps cover the costs of any victims’ injuries and damages that result from a car accident that you caused.

The following minimums apply:

  • Bodily Injury Liability:
    • $15,000 per person, per accident.
    • $30,000 total per accident.
  • Property Damage: $5,000 per accident.

Some car insurance carriers offer a single limit of $35,000; this covers the entire liability requirement.

Penalties and Violations

If you are caught driving without insurance in Pennsylvania, you may face the following consequences:

  • A minimum fine of $300.
  • 3-month suspension of your driver’s license and registration.
    • Once your suspensions are over, you will have to pay the following restoration fees:
      • Vehicle registration: $94.
  • Impoundment of your car.

If your car’s registration is suspended, NOBODY can legally drive it.

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Getting the right insurance is just a few steps away.