Pennsylvania Car Insurance Guide
Pennsylvania has something for everyone, from the historical charm of Philadelphia’s Old City to state parks where you can see the Northern Lights. Whether you’re driving from museum to museum or heading to cheer on your favorite sports team, affordable auto insurance can help protect you and your vehicle. Learn which coverages are mandatory, which are optional, and how EagleWay Auto Insurance can be your cheap Pennsylvania car insurance solution. Get a free quote to see how much you can save.
Do You Have to Have Car Insurance in Pennsylvania?
Pennsylvania law requires all drivers to maintain continuous liability insurance for any registered vehicle. Policies must meet the state’s minimum liability coverage limits.
Pennsylvania Minimum Car Insurance Requirements
| Coverage Type | Required by Law | Limits |
|---|---|---|
| Bodily Injury Liability – Pays for medical expenses and legal costs if you injure someone in an accident. | Yes | $15,000 per person / $30,000 per accident |
| Property Damage Liability – Pays to repair or replace other people’s property damaged in an accident. | Yes | $5,000 per accident |
| Uninsured/Underinsured Motorist (UM/UIM) – Pays for medical bills if the other driver lacks coverage. | Not required | – |
| Medical Benefits Coverage – Pays for medical expenses stemming from an accident, regardless of fault. | Yes | $5,000 per person |
| Collision – Pays to repair or replace your vehicle after a collision. | Not required¹ | – |
| Comprehensive – Pays for non-collision damages like fire, vandalism, flood, or animal impact. | Not required¹ | – |
¹May be required by lenders if the vehicle is leased or financed.
Important: Minimum liability and medical benefits coverage satisfies Pennsylvania law but does not fully protect your own injuries or vehicle. Additional coverage like comprehensive and collision is recommended.
No-Fault Coverage in Pennsylvania
Pennsylvania is a no-fault state, meaning each person injured in a car accident files a claim on their own policy for medical expenses. Recovery from the at-fault driver is limited unless damages exceed certain thresholds.
Tort Coverage Options
Limited Tort coverage offers premium savings but restricts recovery for certain damages like pain and suffering, except under statutory exceptions. Full Tort coverage allows unrestricted rights to sue the negligent party.
Additional Coverage Options
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Proof of Financial Responsibility and Penalties
Driving without insurance in Pennsylvania can result in severe penalties:
- Minimum $300 fine for driving uninsured
- Three-month vehicle registration suspension
- Three-month driver's license suspension
- Restoration fees to reinstate registration and license
- Vehicle impoundment
- Optional $500 civil penalty instead of registration suspension (once per 12 months)
The best practice is to purchase coverage that meets all state requirements and carry proof of insurance at all times.
Penalties for Driving with a Suspended License
Operating a vehicle without a valid license in Pennsylvania may result in fines, increased suspension periods, and potential jail time for repeat offenses.
High-Risk Auto Insurance
Drivers with violations or a poor driving record may be considered high-risk. Non-standard insurance is often available to provide financial protection. EagleWay Auto Insurance offers coverage to drivers regardless of their driving history.
Finding the Cheapest Car Insurance Rates in Pennsylvania
Rates depend on:
- Coverage type and limits
- Vehicle year, make, and model
- Driving habits, location, and distance driven
- Demographics, driving record, and credit history
EagleWay Auto Insurance helps drivers, even those with less-than-perfect records, find affordable coverage. Get a free quote online or work with an agent to create a plan that meets your needs and maximizes discounts.