What's required for car insurance in Pennsylvania?

Drivers in the Keystone State must have auto liability coverage limits of at least:

  • $15,000 in bodily injury per person
  • $30,000 in total bodily injury per accident
  • $5,000 in property damage per accident

You can always choose higher liability limits than what's required in Pennsylvania to protect your assets. Set your limits high enough to cover your total net worth in case you’re liable in a covered accident.

Drivers in Pennsylvania are required to carry first party benefits (FPB) and should also consider uninsured/underinsured bodily injury coverage (UM/UIM BI) with the following minimum limits.

  • FPB: $5,000 first party benefits
  • UM/UIM BI: $15,000 per person, $30,000 per accident. (Note: this coverage can be rejected)

FPB covers a range of medical expenses for you and your passengers regardless of fault, including medical, dental, hospitalization, and nursing services. UM/UIM BI covers medical expenses for you and your passengers if you are hit by a driver with not enough coverage or no insurance at all.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $700 on average.* Get an auto insurance quote today.

Comprehensive and collision protect your car against damage

If you're leasing or financing a vehicle, most lenders require these coverages. Comprehensive and collision can cover the repair or replacement of your car if it’s damaged in a covered incident.

How much is car insurance in Pennsylvania?

In 2020, the average cost of a Pennsylvania liability-only auto policy with Progressive was about $140 per month.** Rates vary due to several factors, including your zip code, driving history, and coverage selection.

Does Progressive offer discounts for Pennsylvania drivers?

Yes. Get cheaper car insurance in Pennsylvania by taking advantage of multiple Progressive discounts, including:

  • Smart technology discount
  • Multi-policy
  • Homeowner
  • Paid in full
  • Online quote
  • Five-year accident-free
  • Teen driver
  • Good student

See all auto insurance discounts.

Interesting facts about Pennsylvania auto insurance:

  1. Pennsylvania drivers have the 3rd highest odds of colliding with deer. Protect against animal collisions with comprehensive coverage.

  2. The Keystone State requires second or subsequent DUI offenders to install an Ignition Interlock system in every vehicle they operate. At Progressive, we can cover drivers with DUI violations.

  3. Pennsylvania ranks in the top ten for states with the worst road maintenance, with 30% of its roadways in poor conditions. If a pothole damages your car, collision coverage can cover the repairs.

How to get car insurance in Pennsylvania


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