Pennsylvania

Pennsylvania requires minimum liability of 15/30/5 ($15,000 bodily injury per person / $30,000 per accident / $5,000 property damage), PLUS Personal Injury Protection (PIP) of at least $5,000. Pennsylvania is a no-fault state, so drivers recover medical costs from their own PIP coverage regardless of fault.

Bodily injury liability in Pennsylvania pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $15,000 per injured person and $30,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Pennsylvania pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $5,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Pennsylvania does not strictly require UM/UIM coverage, but insurers must offer it. UM/UIM coverage must be offered at the same limits as liability; written rejection allowed. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Pennsylvania REQUIRES Personal Injury Protection (PIP) of at least $5,000. PIP pays your own medical bills, a portion of lost wages, and certain replacement services after a crash, regardless of who was at fault. PIP is the cornerstone of the state's no-fault system.

Pennsylvania is a choice no-fault state requiring $5,000 PIP medical. Drivers select either a "limited tort" option (lower premium, restricted right to sue) or a "full tort" option (full right to sue).

Self-insurance certificates available for fleets of 26+ vehicles through PennDOT. SR-22 may be required after DUI, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in Pennsylvania, consult the official source at https://www.insurance.pa.gov/. State minimums change periodically; verify current law before relying on these figures.