Pennsylvania drivers pay around $2,479 a year for full coverage — about 8% under the national average. The state is a choice no-fault jurisdiction with a low 15/30/5 liability minimum plus required PIP. Here's the coverage you must carry, what Pennsylvanians pay, and how to find a cheaper rate.
Pennsylvania is a choice no-fault state: drivers pick either 'limited tort' (lower premium, restricted right to sue for pain and suffering) or 'full tort' (higher premium, full lawsuit rights), and carry at least $5,000 of PIP. Its 15/30/5 liability minimum is one of the lowest anywhere — the $5,000 property-damage floor is especially thin. Full coverage averages roughly $2,479 a year, under the national average, with Philadelphia and Pittsburgh metro rates running higher. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Pennsylvania. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $15k / $30k | Per injured person / per crash — a low floor |
| Property damage liability | $5k | A very low PD floor |
| Personal injury protection | $5,000 | Mandatory — PA is a choice no-fault state |
| Uninsured motorist | Optional | Offered; may be waived |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,479/yr | 8% below U.S. | Comprehensive and collision included |
| Minimum coverage | $539/yr | 36% below U.S. | Bundles the required PIP |
Estimates apply national rate-increase multipliers to Pennsylvania's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,479/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,545/yr | +43% | 2,479 × 1.43 per Bankrate |
| Speeding ticket | ~$3,074/yr | +24% | 2,479 × 1.24 per Bankrate |
| DUI on record | ~$4,661/yr | +88% | 2,479 × 1.88 per Bankrate |
| Young driver (18–24) | ~$4,958/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,214/yr | +70% | 2,479 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Pennsylvania's tort choice is the pivotal decision: limited tort lowers your premium but restricts your ability to sue for pain and suffering, while full tort costs more but preserves those rights. The 15/30/5 minimum is dangerously thin — a single newer-vehicle repair can blow past the $5,000 property-damage limit — so higher limits are strongly advised. With Philadelphia rates far above the statewide figure, comparison shopping is especially valuable for urban drivers.
Pennsylvania is a below-average-cost, choice no-fault state with a very low legal minimum. Picking the right tort option, buying higher limits, and weighing carriers are the best ways to secure a competitive — and adequately protective — Pennsylvania policy.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Pennsylvania are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Pennsylvania insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.