In Pennsylvania, auto insurance is mandatory, as it is in all other states.  Many see it as a huge inconvenience, or unnecessary expense, but good insurance can help you out should your car be damaged in an unfortunate accident.  Let’s take a look at what the insurance situation looks like in Pennsylvania.

Required and Optional Coverage

Once you buy a new vehicle, you are required to have the following types of insurance:

  • Medical Benefits – This type of insurance will help pay medical bills for both you and anyone else covered by your policy, regardless of who is at fault in the accident. The state has a minimum coverage limit of $5,000, with higher limits being available as an option.
  • Liability – Should you injure someone in an accident where you are at fault, liability insurance will pay for damages for which you are found liable. The minimum limit is $15,000 for an individual person, and $30,000 total for a single accident.
  • Property Damage Liability – During an accident, if a person’s property becomes damaged, this is the coverage that will pay for the damage. The mandatory minimum limit is $5,000.
  • Limited or Full Tort – Full tort will allow you to recover expenses and payments for things such as pain and suffering, while limited coverage will give you lower premiums, but more limited coverage.

There are also a number of other optional types of coverage which are available from Pennsylvania auto insurance companies like and many of these, such as uninsured motorist, income loss and rental reimbursement are definitely worth looking into.  You need to determine what your needs would be in the event of an accident and select your policy based on those needs.

Keeping Costs Down

When speaking to an insurance agent, don’t forget to ask about discounts.  There are a few different ways to get the premium cost of your insurance down.

  • Higher deductibles on your insurance will help bring down your premiums, but be sure you can afford the deductibles in the event that something happens to your vehicle.
  • Dropping comprehensive and collision coverage could be another option for older cars. If the value of your car is low, the cost of premiums and deductibles may not be worth it in the end.
  • Drive’s education courses for teens and mature drivers can bring down Pennsylvania auto insurance costs. State recognized programs are available to everyone and can reduce your premiums