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APA: Dellinger, A. (2024, August 16). Penalties for driving without insurance in Pennsylvania. Bankrate. Retrieved September 09, 2024, from https://www.bankrate.com/insurance/car/pennsylvania-driving-without-insurance/
Copied to clipboard!MLA: Dellinger, AJ. "Penalties for driving without insurance in Pennsylvania." Bankrate. 16 August 2024, https://www.bankrate.com/insurance/car/pennsylvania-driving-without-insurance/.
Copied to clipboard!Chicago: Dellinger, AJ. "Penalties for driving without insurance in Pennsylvania." Bankrate. August 16, 2024. https://www.bankrate.com/insurance/car/pennsylvania-driving-without-insurance/.
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Written by
AJ Dellinger
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Amelia Buckley
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines licens. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
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In order to be on the road legally, Pennsylvania drivers must have a minimum amount of car insurance. In addition to meeting state requirements, having car insurance may reduce costly out-of-pocket expenses if you cause an accident. There is more than one penalty for driving without insurance in Pennsylvania, including fines and potential license suspension.
Pennsylvania state law requires all drivers to have auto insurance. In order to meet the minimum requirement for insurance within the state, you must have 15/30/5 coverage. This means that if you get into an accident, you must be insured for coverage of up to:
First-party coverage typically pays for necessary medical expenses sustained by you or your passengers in the case of an accident. However, Pennsylvania has a unique approach to this coverage, treating it similarly to how other states treat personal injury protection (PIP). In Pennsylvania, first-party insurance must provide at least $5,000 of coverage for medical expenses regardless of who is at fault for the accident.
Pennsylvania is also one of a few states that operates on a choice no-fault insurance system. If you opt for the no-fault system, no matter who is at fault for an accident, your insurance must cover your medical costs and lost wages up to your policy limits. The insurance provider cannot deny you that coverage even if you are determined to be responsible for the accident. You also typically cannot sue the at-fault driver.
In Pennsylvania, if the driver chooses to maintain an at-fault policy, there are no limitations on filing third-party claims against the at-fault driver’s insurance policy or suing them in court.
However, the at-fault policy, sometimes called a full tort policy, typically costs more than no-fault coverage or limited tort policy. Limited tort policies lower insurance costs and reduce the number of lawsuits that follow an accident but also limit your options to pursue payments for damages if you are in an accident that is not your fault.
