The average cost of minimum coverage in Pennsylvania is $441 per year. Like most states, Pennsylvania drivers must carry a minimum amount of liability coverage to drive legally:
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
$5,000 personal injury protection (called “First-Party Benefits” in Pennsylvania)
Pennsylvania is a no-fault state, so personal injury protection (PIP) is required, although the state refers to it as “First-Party Benefits” or “FPB.” Uninsured and underinsured motorist coverages must be offered but can be declined in writing. Minimum coverage may come with some of the cheapest rates in Pennsylvania, but it provides very little financial protection. Most insurance professionals recommend you purchase higher liability limits if you can afford to. You might even want to consider full coverage, which includes collision and comprehensive coverage, and will be a requirement if you have a loan or lease on your vehicle.