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  3. Pennsylvania Car Insurance Coverage


Pennsylvania Car Insurance

Be protected on the road.

Also known as the Keystone State, Pennsylvania is located in the Northeastern United States. It's the fifth most populous state in the country and home to Philadelphia, Pittsburgh and its capital, Harrisburg. Pennsylvania is one of the original 13 states, as well as being where the Declaration of Independence and Constitution were signed. It's known for being home to the Liberty Bell and one of the largest chocolate manufacturers in the world, as well as Valley Forge and the Battle of Gettysburg. The state is home to multiple sports teams in baseball, basketball, football and hockey. The Appalachian Mountains run through the heart of the state. Interstates 80 and 76 run East to West across the state, while Interstates 79, 81 and 95 run North to South.

When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits Pennsylvania requires in the table below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

A Pennsylvania Allstate agent can help you understand the different insurance types available to you.

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With Allstate you expect better coverage and better service. Well, now you can also expect a better price in Pennsylvania because we've lowered our rates even more.

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Auto insurance requirements are based on your location.

Coverage Type
Pennsylvania Requirements
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$15,000 limit per person/$30,000 limit per accident
Property Damage Liability
Helps cover expenses related to the damage of another person's property—like vehicles, homes, buildings and other structures—when an accident is your fault.
$5,000 limit
Uninsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Not required
Medical Benefits
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
$5,000 limit
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required1
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required1


All coverages are subject to the coverage limits stated in your policy.

1Although Pennsylvania law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.



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Related Resources

State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

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