Requirements for Acquiring Auto Insurance

SafeAuto wants to help you get the lowest possible auto insurance rates. Being familiar with your state's financial responsibility requirements is an easy way to start. Here is the most recent information for Pennsylvania:

The minimum amount of liability insurance coverage required to satisfy Pennsylvania's Financial Responsibility law is 15,000/30,000/5,000. Pennsylvania also requires 5,000 in medical benefits. This means that your insurance policy must insure you against loss in an accident where you have been determined to be at-fault for a minimum of:

  • Fifteen thousand dollars ($15,000) because of bodily injury to or death of one (1) person in any one (1) accident
  • Thirty thousand dollars ($30,000) because of bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the fifteen thousand dollar ($15,000) per person limit
  • Five thousand dollars ($5,000) because of injury to or destruction of property of others in an accident
  • Five thousand dollars ($5,000) to pay for first party medical bills that result from an accident, regardless of fault

Under Pennsylvania law, you are required to provide documentary proof of Financial Responsibility in the following circumstances:

  • At the request of a law enforcement officer at the time of an accident or traffic stop
  • When registering a vehicle
  • When your vehicle is inspected

To ensure drivers continue to meet the Financial Responsibility requirements, Pennsylvania requires insurance companies to notify the Pennsylvania Department of Transportation (PennDOT) of all policy issues, cancellations and terminations. If your insurance company sends PennDOT a notice that your policy is no longer active, PennDOT may send you an inquiry requesting new insurance information.

Penalty for failure to comply with Pennsylvania's Financial Responsibility requirements:

If your motor vehicle is not insured with liability insurance, you could face the following penalties and fines:

  • A minimum of $300 fine for driving uninsured
  • A three (3) month suspension of your vehicle registration
  • A three (3) month suspension of your driver's license
  • $50 restoration fee to reinstate your vehicle registration
  • $50 restoration fee to reinstate your driver's license
  • A vehicle may not be driven by anyone while the registration is suspended

Other helpful things to know about Pennsylvania's Financial Responsibility laws:

A suspension may be avoided by the return of the registration plate, sticker and card to PennDOT at the time the insurance policy is canceled or Financial Responsibility lapses. Registration Plates, stickers and cards must be received by the Department no more than thirty (30) days after insurance was canceled. Registration plates, stickers and cards received by the Department after thirty (30) days will result in a three (3) month registration suspension.

Link to the Pennsylvania Department of Transportation

Get the right Pennsylvania insurance for the right price!

Pennsylvania is the 6th most populous state in the United States. We offer affordable car insurance throughout the entire Keystone State! If you are looking for more information about car insurance in the following Pennsylvania cities, more helpful material can be found below:

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at