Car-insurance requirements in Pennsylvania (2026)
Pennsylvania requires 15/30/5 in the usual shorthand plus medical benefits, and its tort default is the one most often reported backwards.
- Minimum liability limits
- 15/30/5
- Fault system
- Choice no-fault
- Tort threshold
- verbal
- Restricted rating factors
- 1
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $15,000 | required | 75 Pa.C.S. §1702 |
| Bodily injury liability, per accident | $30,000 | required | 75 Pa.C.S. §1702 |
| Property damage liability | $5,000 | required | 75 Pa.C.S. §1702 |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
Pennsylvania defaults to FULL tort, not limited tort. The statute provides that a buyer who does not respond is conclusively presumed to have chosen the full tort alternative. Limited tort is the opt-in. New Jersey defaults the opposite way, and the two states are neighbours, which is how the error spreads.
How old is this minimum?
Our committed statutory record for Pennsylvania does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Pennsylvania’s minimum of $5,000 leaves $37,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Pennsylvania
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | Not verified Claimed by public lists but the primary text was unreachable at ingest. Held out until confirmed. | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Pennsylvania
No regulator-published premium data exists for Pennsylvania
Pennsylvania’s insurance department does not publish a per-insurer premium comparison, so this site shows no premium figures for Pennsylvania at all. We will not substitute a figure from a quote engine, a trade body or a national aggregate: none of those is a published record of what insurers filed in Pennsylvania.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Pennsylvania — minimum limits 15/30/5
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $15,000 | required | 75 Pa.C.S. §1702 |
| Bodily injury liability, per accident | $30,000 | required | 75 Pa.C.S. §1702 |
| Property damage liability | $5,000 | required | 75 Pa.C.S. §1702 |
Fault system: Choice no-fault — verbal threshold (75 Pa.C.S. §1705(a)(3)).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Pennsylvania
- What is the minimum car insurance required in Pennsylvania?
- Pennsylvania requires liability limits of 15/30/5 under 75 Pa.C.S. §1702.
- Is Pennsylvania a no-fault state?
- Pennsylvania operates choice no-fault with a verbal tort threshold.
- What does car insurance cost in Pennsylvania?
- No regulator publishes premium data for Pennsylvania, so this site shows no premium figures for Pennsylvania. We do not substitute a figure from a quote engine or a national aggregate.
Statutory records for Pennsylvania last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.