The Keystone State

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Pennsylvania Auto Insurance Coverage

Home to the Philly cheesesteak and rich American history, there's a lot to love about Pennsylvania. But, whether you're new to the area or have deep roots in the Keystone State, it's important to understand the auto insurance requirements in Pennsylvania. 

Required Auto Insurance in Pennsylvania

Pennsylvania requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Pennsylvania requires the following minimum liability coverage:

  • Bodily Injury: $15,000 per person and $30,000 per accident.
  • Property Damage: $5,000 per accident.
  • Medical Benefits: $5,000 minimum. 

Pennsylvania Teen Driving Laws

Pennsylvania operates under a Graduated Driver's License (GDL) program, which includes three stages: Learner's Permit, Junior License, and Full Unrestricted License. 

  • Learner's Permit: At 16, Pennsylvania teens can obtain a Learner's Permit after passing a written exam. A Learner's Permit allows teens to drive with a parent, legal guardian, or licensed driver over 21. Teens must complete 65 hours of supervised driving practice (10 hours at night, 5 hours in poor weather conditions) before moving to the next stage.
  • Junior License: After six months, teen drivers may apply for their Junior License after completing the required driving practice and passing a road skills exam. With a Junior License, teens cannot drive unsupervised between 11:00 PM and 5:00 AM.
  • Full Unrestricted License: At 18, or after holding a Junior License for a year, teens may apply for their Full Unrestricted License, provided that the driver has no traffic violations on their driving record.

Please be aware of additional restrictions for teen drivers in Pennsylvania.

Pennsylvania Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Pennsylvania. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in Pennsylvania

No law in Pennsylvania states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Pennsylvania auto insurance quote online, or by calling (888) 772-4247.

Learn More About Pennsylvania

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About Pennsylvania

Pennsylvania became America's 2nd state in 1787. Originally one of the first thirteen colonies, Pennsylvania was where the Declaration of Independence was written.