Pennsylvania Car Insurance Requirements (Updated for 2025)

Pennsylvania law mandates that all drivers maintain minimum liability insurance coverage. Failure to comply can result in fines, suspension of driving privileges, and other penalties. It’s essential to understand these requirements to ensure you’re adequately protected and compliant with state laws.

📋 Minimum Required Coverage

As of 2025, the minimum required liability insurance limits are:

• Bodily Injury Liability: $15,000 per person / $30,000 per accident
• Property Damage Liability: $5,000 per accident
• Medical Benefits (Personal Injury Protection – PIP): $5,000 per person

Note: Pennsylvania is a no-fault state, meaning your own insurance covers your medical expenses regardless of who caused the accident. However, you may still be able to sue for pain and suffering if you have full tort coverage.

📄 Proof of Insurance

Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration. This proof can be a physical card or an electronic version on a mobile device. As of 2025, Pennsylvania has introduced an online verification system, eliminating the need to carry a physical insurance card if your insurer participates in the system.

🚫 Penalties for Driving Without Insurance

Penalties for driving without insurance in Pennsylvania are as follows:

• First Offense: $300 fine, 3-month suspension of vehicle registration and driver’s license, and restoration fees.
• Subsequent Offenses: Increased fines and longer suspension periods.

Additionally, if you are involved in an accident and do not have insurance, your driving privileges may be suspended until damages are paid and proof of insurance is provided.

🔄 SR-22 Requirement

Pennsylvania does not require an SR-22 form, which is typically used to verify financial responsibility after certain violations. However, if your driving privileges are suspended due to lack of insurance, you may be required to provide proof of insurance to reinstate your driving privileges.

💡 Optional Coverages to Consider

While not required, you may consider the following optional coverages to enhance your protection:

• Collision Coverage: Pays for damages to your vehicle resulting from a collision.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
• Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident.
• Rental Reimbursement: Provides coverage for rental car expenses while your vehicle is being repaired.
• Roadside Assistance: Offers services like towing, battery jump-starts, and flat tire changes.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.

📈 Average Insurance Rates

Insurance premiums can vary based on factors such as driving history, vehicle type, and location. It’s advisable to compare quotes from different insurers to find the best coverage at the most competitive rates.

📌 FAQs

Is Pennsylvania a no-fault state?

Yes, Pennsylvania is a no-fault state, meaning your own insurance covers your medical expenses regardless of who caused the accident. However, you may still be able to sue for pain and suffering if you have full tort coverage.

What should I do if I can’t afford car insurance?

If you’re unable to afford insurance, consider exploring low-cost insurance programs or seeking assistance from state-sponsored programs that may be available to eligible individuals.