Hey everyone! If you're driving in PA—especially around Pittsburgh—this question comes up a lot:
“What is the minimum car insurance I need to stay legal in Pennsylvania?”
Here’s a clear break-down:
Pennsylvania Mandatory Coverage
Bodily Injury Liability
Minimum: $15,000 per person / $30,000 per accident
Covers medical bills if you injure someone else in a crash.
Property Damage Liability
Minimum: $5,000 per accident
Pays for damage to someone else’s property (like their car or a fence).
Coverage Type – Split Liability
This means separate limits apply to bodily injury and property damage.
Why It's Important
Legal Requirement: You’re not allowed to register, renew your plates, or drive without at least this coverage.
Financial Risk: Without enough insurance, you’ll personally pay for any uninsured damages or injuries.
Penalties: Driving uninsured or underinsured can result in license suspension, fines, or even impoundment.
Want To Avoid Risk While Saving?
If you're in Pittsburgh, it’s smart to explore reliable lower-cost coverage strategies, such as bundling car and home policies or finding local city-friendly insurance plans.
For tailored advice and options, check out this detailed guide on affordable coverage in Pittsburgh
Explore strategic coverage plans for city driving
“What is the minimum car insurance I need to stay legal in Pennsylvania?”
Here’s a clear break-down:
Pennsylvania Mandatory Coverage
Bodily Injury Liability
Minimum: $15,000 per person / $30,000 per accident
Covers medical bills if you injure someone else in a crash.
Property Damage Liability
Minimum: $5,000 per accident
Pays for damage to someone else’s property (like their car or a fence).
Coverage Type – Split Liability
This means separate limits apply to bodily injury and property damage.
Why It's Important
Legal Requirement: You’re not allowed to register, renew your plates, or drive without at least this coverage.
Financial Risk: Without enough insurance, you’ll personally pay for any uninsured damages or injuries.
Penalties: Driving uninsured or underinsured can result in license suspension, fines, or even impoundment.
Want To Avoid Risk While Saving?
If you're in Pittsburgh, it’s smart to explore reliable lower-cost coverage strategies, such as bundling car and home policies or finding local city-friendly insurance plans.
For tailored advice and options, check out this detailed guide on affordable coverage in Pittsburgh
Explore strategic coverage plans for city driving
