Minimum car insurance in Pennsylvania.
What Pennsylvania requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Pennsylvania, the minimum liability limits are written 15/30/5 (in thousands): $15,000 for injury to one person, $30,000 for injury to everyone in one accident, and $5,000 for property damage.
How the system works
Pennsylvania uses a no-fault style system, so your own policy pays part of your medical costs after a crash whoever caused it. The exact rules differ from the at-fault system used in most states.
Choice no-fault (limited or full tort option). First-party medical benefits of $5,000 required; UM/UIM must be offered.
What the minimum means in practice
Say a crash you cause injures three people. The Pennsylvania minimum pays at most $15,000 to any one of them and $30,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $5,000.
If you drive without insurance in Pennsylvania
Driving uninsured carries a minimum $300 fine plus a three-month registration suspension and a three-month license suspension (license restoration fee $94, or $202 for a commercial license). An owner can instead pay an optional $500 civil penalty in place of the registration suspension, no more than once in 12 months.
Proof of insurance
Accepted proof includes an insurance ID card, a policy declaration page, a valid binder or an Assigned Risk Plan application, and PennDOT sometimes verifies insurance listed on registration renewals with the insurer and sends a letter requesting proof if it cannot confirm.
Also worth knowing in Pennsylvania
Insurers must notify PennDOT when a policy is cancelled, and the owner must return the plate and registration card within 30 days of cancellation to avoid suspension.
Your state regulator
Pennsylvania Insurance Department is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Pennsylvania a no-fault state?
Pennsylvania uses a no-fault style system for medical costs, with its own rules.