PA Auto Insurance Requirements: What You Need to Know

Mandatory Coverage in Pennsylvania

Every driver in Pennsylvania must carry liability insurance that covers bodily injury and property damage caused to others. The minimum limits are 25,000 dollars for bodily injury per person, 50,000 dollars for bodily injury per accident, and 10,000 dollars for property damage.

Proof of Insurance: How to Show You're Covered

When requested by law enforcement, you must present a valid proof of insurance card or a digital document that meets the state's specifications. The card must display your name, policy number, insurer, and the coverage limits.

Additional Coverage Options

While liability is mandatory, Pennsylvania offers optional coverages such as uninsured motorist protection, collision, and comprehensive. These can protect you if you're involved in an accident where the other driver has no insurance or if your vehicle is damaged by non‑collision incidents.

Penalties for Non‑Compliance

Driving without the required coverage can result in fines ranging from $100 to $500, a suspended license, and a mandatory insurance period. Repeat violations may lead to higher penalties and longer suspension periods.

How to Maintain Compliance

Keep your policy up‑to‑date by reviewing it annually, updating your insurer if you change vehicles or address, and ensuring you have the required minimum limits. Use the state's online portal to verify active coverage before any roadside stop.