Pennsylvania Car Insurance Requirements (Updated for 2025)

To drive legally in Pennsylvania, you must maintain state-required car insurance coverage. Pennsylvania follows a “choice no-fault” insurance system, offering drivers the option between limited and full tort rights. Below is a 2025 guide to minimum limits, optional protections, and penalties for being uninsured.

Minimum Required Insurance Coverage

Your policy must include at least the following to comply with Pennsylvania law:

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

These are the lowest limits allowed, though many drivers carry higher coverage for added protection.

Limited vs. Full Tort Coverage

When purchasing a policy, Pennsylvania drivers must choose between:

• Limited Tort: Lower premiums, but restricted rights to sue for pain and suffering.
• Full Tort: Higher cost, but full rights to pursue legal action after an accident.

This unique system gives drivers flexibility but requires understanding the trade-offs.

Optional Coverages

To extend protection beyond the minimum, many drivers in Pennsylvania consider adding:

• Comprehensive and Collision Coverage
• Uninsured/Underinsured Motorist Coverage
• Income Loss and Funeral Benefit Options

These help pay for damage to your own car or losses not covered under the basic policy.

Penalties for Driving Without Insurance

Operating a vehicle without insurance in Pennsylvania can result in:

• Suspension of vehicle registration for 3 months
• Fines and restoration fees
• Driver’s license suspension
• Mandatory SR‑22 filing in some cases

PennDOT tracks insurance electronically and may suspend your registration for a lapse, even without a traffic stop.

How Insurance Is Verified

Insurance companies report policy details to PennDOT. If your policy is canceled or lapses, you may receive a notice requiring proof of new coverage—or face penalties.