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Pennsylvania coverage & guidance

Pennsylvania Auto Insurance Coverage

Build your comparison around what each policy covers, not just its price. Pennsylvania’s required insurance is the starting point; your vehicles, finances and coverage preferences shape the rest.

Start with required protection

Pennsylvania requires bodily injury liability of at least $15,000 per person and $30,000 per accident, property damage liability of at least $5,000, and medical benefits of at least $5,000. Higher limits can provide more protection. Some insurers offer a $35,000 combined single liability limit instead.

Read the full Pennsylvania car insurance requirements guide →

Understand the choices on your quote

Liability & medical benefitsUnderstand protection for injuries or damage you cause, and required first-party medical benefits.
Collision & comprehensiveCompare protection for your vehicle, deductibles and any lender requirements.
Limited & full tortReview how this Pennsylvania choice affects certain rights to recover damages after an accident.
Uninsured & underinsured motoristsAsk about UM/UIM limits, rejection choices, and whether stacking applies to your policy.

Compare the same details

  • Use the same liability and medical-benefit limits.
  • Match collision and comprehensive deductibles.
  • Compare the same tort selection and UM/UIM options.
  • Check listed drivers, vehicles, garaging address, exclusions and effective dates.

Compare My Coverage Options →

Independent guidance

This site is independent of Pennsylvania government. Read the Pennsylvania Insurance Department’s auto insurance guidance for official information. Policy terms and insurer eligibility determine actual coverage.