In Pennsylvania, the minimum auto insurance required by law is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage (often written as 15/30/5). You are also required to carry $5,000 in Medical Benefits coverage.
While this keeps you strictly legal, state minimums rarely provide enough protection if you are involved in a serious accident. Medical costs and vehicle repairs can easily exceed these limits, leaving you personally responsible for the difference.
If you are reviewing your policy, it is highly recommended to look beyond the minimums. For a deeper breakdown of coverage options, tort laws, and how to properly protect yourself, check out our complete Pennsylvania Auto Insurance Guide page.