Pennsylvania Minimum Car Insurance Coverage Requirements 

Determining the limits on your auto insurance can be tricky, so it's important to understand the basics. The minimum limits for Pennsylvania auto insurance are:

• Bodily injury liability coverage: $15,000 per person and $30,000 per accident

• Property damage liability coverage: $5,000

• Uninsured motorist coverage: $15,000 per person and $30,000 per accident*

• Underinsured motorist coverage: $15,000 per person and $30,000 per accident*

• First party benefits: $5,000

*Note: In Pennsylvania you may request to reject the uninsured and underinsured motorist coverages in writing.

Additional Pennsylvania Auto Insurance Coverages

Do I need first party benefits in Pennsylvania?
The state of Pennsylvania requires a type of car insurance coverage called First Party Benefits, which provides a variety of medical benefits. Many options for this coverage are available, and your policy needs to have at least the lowest option of $5,000.

How do Pennsylvania's Tort coverages work?
If you have a car insurance policy in Pennsylvania, you have the option to carry either Full Tort or Limited Tort. Limited Tort limits your ability to sue other drivers for your pain and suffering if you are injured in an accident. If you would like to carry Limited Tort, you will need to sign and return a form to the carrier.