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- Pennsylvania Car Insurance
Get a Pennsylvania car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Pennsylvania
Pennsylvania auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundling and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programPennsylvania minimum car insurance requirements (15/30/5)
In Pennsylvania, it's illegal to drive without insurance. Drivers in Pennsylvania are required to have car insurance coverage for
- Bodily Injury to others
- Medical benefits
- Property damage liability
- Limited or full tort
This chart shows the minimum auto insurance drivers are required to have in Pennsylvania for these coverages.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $15,000 per person and $30,000 per accident |
| Property Damage Liability Coverage | $5,000 per accident |
| Medical Benefits | $5,000 per accident |
| Limited or Full Tort Coverage | Limited Tort Coverage results in a discount on your auto insurance. |
Find more information through the Pennsylvania Insurance Department.
Average cost of car insurance in Pennsylvania, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Pennsylvania is about $1,764 per year.
Drivers in Pennsylvania will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in Pennsylvania?
Finding the cheapest car insurance in Pennsylvania may sound great, but a low-cost policy may not pay out when you need it.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Is Pennsylvania a no-fault state?
Pennsylvania uses a different car insurance system than most states, called “choice no-fault.” This means you can choose between two options: limited tort or full tort.
Limited tort usually costs less, but it limits your ability to sue for pain and suffering unless your injuries are considered serious.
Full tort costs more, but it lets you seek compensation for pain and suffering without those restrictions.
No matter which option you choose, your policy includes medical benefits that help pay your own medical bills after an accident, no matter who caused it.
Pennsylvania car insurance FAQs
- Pennsylvania drivers can choose between limited tort and full tort coverage options when selecting their policy. Additional coverages and limits can also be customized based on your needs and budget.
You can use this information to sign up with us or compare it to what other carriers have to offer. All you need to get started is a few details like your ZIP Code, driver's license information, and VIN for the car.
- Yes. Pennsylvania requires car insurance to operate a motor vehicle within the state. The state minimums are $15,000 of Bodily Injury Liability per person, $30,000 per accident, $5,000 of Property Damage Liability, and $5,000 of Medical Benefits coverage.
You'll need to choose between limited tort and full tort. The penalty for driving without insurance is a three-month suspension of your registration and driver's license, plus a restoration fee for reinstatement.
- Age, driving history, and the vehicle make and model are important variables used to calculate car insurance rates in Pennsylvania. How much you drive and where you live can also impact what you pay.
For instance, rates in Philadelphia and Pittsburgh may run higher than rates in rural areas of the state due to increased accident rates from higher density of cars on the road.
Additionally, your prior coverage history, the coverages and limits you select, your tort option, and the deductibles you choose all play a role. Adding multiple vehicles or drivers to your policy can also affect your premium.
The best car insurance in Pennsylvania depends on your budget, driving habits, coverage needs, and the type of protection you're looking for. Many drivers compare car insurance companies based on price, available discounts, customer service, claims support, and coverage options. When shopping for Pennsylvania car insurance, it's important to choose a policy that not only fits your budget, but also provides the coverage and flexibility you need for the road ahead.
Reducing your coverage could lower your premium, but it may also leave you with higher out-of-pocket costs after an accident. Other ways to help lower car insurance costs include bundling your home and auto policies, increasing your deductible, asking about available discounts, purchasing your policy online, and enrolling in a telematics program like RightTrack® that rewards safe driving habits.