To drive legally in PA, you must carry at least the following "15/30/5" liability limits: for bodily injury per person. $30,000 for bodily injury per accident. $5,000 for property damage. $5,000 in First Party Benefits (Medical Payments). Pennsylvania Car Insurance ~ Get a PA Auto Quote - GEICO
The average annual cost of car insurance in Pennsylvania for 2026 is approximately for full coverage. Minimum liability insurance typically ranges from $519 to $1,477 per year. Average Pennsylvania Insurance Rates (2026) pa insurance quotes
Costs vary significantly based on the level of coverage and the provider selected. Below are common average rates found in recent data: Coverage Type Monthly Average Annual Average $39 – $123 $466 – $1,477 Full Coverage $159 – $193 $1,764 – $2,311 Sources: InsuranceQuotes.com , Experian , Insurify . State Minimum Requirements To drive legally in PA, you must carry