Pennsylvania car insurance

Common questions about Pennsylvania
auto insurance

Need car insurance in Pennsylvania? Whether you live in Philadelphia or Pittsburgh, Liberty Mutual Insurance has you covered. From liability protection to comprehensive coverage, we customize your Pennsylvania auto insurance, so you only pay for what you need.

What car insurance is required in Pennsylvania?

In Pennsylvania, it's illegal to drive without insurance. Drivers in Pennsylvania are required to have car insurance coverage for

Bodily Injury to others
Medical benefits
Property damage liability
Limited or full tort

This chart shows the minimum auto insurance drivers are required to have in Pennsylvania for these coverages.²

Coverage	Amount
Bodily Injury Coverage	$15,000 per person and $30,000 per accident
Medical Benefits	$5,000 per accident
Property Damage Liability	$5,000 per accident
Limited or Full Tort Coverage	Limited Tort Coverage results in a discount on your auto insurance.

For more information, check out the Pennsylvania Insurance Department's Auto Insurance Guide.

What is the average cost of car insurance in Pennsylvania?

The average cost of car insurance in Pennsylvania is $2,270³ in 2024 according to thezebra.com. That's 4% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Pennsylvania. auto insurance, so you only pay for what you need.

See how much you could save on car insurance.

U.S. Map with Pennsylvania state highlighted

Who has the cheapest car insurance in Pennsylvania?

Getting the cheapest car insurance in Pennsylvania may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴