States
Pennsylvania minimum car insurance: 15/30/5
At least $15,000 per person, $30,000 per accident and $5,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Pennsylvania minimum: 15/30/5 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$120,000
- Total damages: $155,000
- Injury paid by the policy: $30,000 (per-person cap reached)
- Property paid by the policy: $5,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Pennsylvania has the lowest property line in our table, at $5,000, along with $15,000 per person and $30,000 per accident. Only Florida reads lower on injury. PennDOT's enforcement runs through the registration. A lapse suspends the registration for three months, unless it lasted 30 days or less and conditions on the page are met, and PennDOT describes an alternative: instead of serving the suspension, you may pay an optional civil penalty of $500, along with a restoration fee listed on Form MV-70S. Read the conditions there. Because the state's figures are so low, a driver moving in from almost anywhere already exceeds them, and a driver moving out has the opposite problem: in every other state we read, a Pennsylvania minimum policy falls short on at least one line. Run that comparison before you leave. Whether Pennsylvania's tort options apply to you was not on the pages we read.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Pennsylvania
Pennsylvania sits at the low end of what we read: 35 states ask for more per person. A policy bought here at the floor can fall short the day its owner moves away.
$15,000 is the most the policy pays for one injured person. $30,000 is the most it pays for everyone hurt in the crash. $5,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $15,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $30,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $5,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Pennsylvania.
What else we read for Pennsylvania
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Registration suspension; an optional civil penalty of $500 can replace serving it, plus a restoration fee. | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.