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Pennsylvania Minimum Car Insurance and Penalties for Driving Without It
The short answer
Pennsylvania requires liability insurance of at least $15,000 per person and $30,000 per accident for injuries, and $5,000 for property damage (15/30/5). Other required coverage: Medical benefits $5,000.
Pennsylvania at a glance
| Minimum liability | $15,000 per person and $30,000 per accident for injuries, and $5,000 for property damage (15/30/5) |
|---|---|
| Other required coverage | First party medical benefits of $5,000 are required. Uninsured and underinsured motorist coverage must be offered but are optional. |
| First offense for driving uninsured | Driving without insurance is a summary offense with a $300 fine. PennDOT also suspends the vehicle registration for three months and the owner's driving privilege for three months. Instead of the registration suspension, the owner can pay a $500 civil penalty plus the restoration fee and show proof of insurance, no more than once in 12 months. |
| Repeat offense | The law sets no higher penalty for a repeat offense: each violation carries the $300 fine and the three-month suspensions, and the $500 civil penalty option can be used only once in 12 months. |
| Fee to restore after a lapse | $119 to restore the vehicle registration and $94 to restore the driver license, plus proof of insurance; paying the optional $500 civil penalty instead of a registration suspension also requires the restoration fee. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Pennsylvania?
Pennsylvania requires liability insurance of at least $15,000 per person and $30,000 per accident for injuries, and $5,000 for property damage (15/30/5). Other required coverage: Medical benefits $5,000.
What happens if you drive without insurance in Pennsylvania?
Driving without insurance is a summary offense with a $300 fine. PennDOT also suspends the vehicle registration for three months and the owner's driving privilege for three months. Instead of the registration suspension, the owner can pay a $500 civil penalty plus the restoration fee and show proof of insurance, no more than once in 12 months.