PA · educational prototype
Pennsylvania minimum auto liability
Commonly cited minimum
15/30/5 (confirm current BI/PD and first-party benefits rules)
Notation is educational (BI per person / BI per accident / PD). Exact wording and required extras vary—confirm before you buy.
What this means
Pennsylvania auto insurance discussions often start with split BI/PD minimums and then move quickly to first-party benefits and tort elections. Minimum compliance is not the same as choosing limits that match your assets and household risk.
Verify the source
Cross-check current requirements with the official regulator: Pennsylvania Insurance Department. PolicyPlain does not publish bindable legal advice.
National orientation: NAIC consumer resources and Insurance Information Institute.
Limited vs full tort (orientation)
Pennsylvania policies commonly involve a tort option that affects whether you can pursue certain non-economic damages after a crash, subject to exceptions in the law. The choice is made on the policy and can affect premium. Read the tort election on your declarations page and confirm current rules with the Insurance Department before you rely on a summary.
First-party benefits
Medical and wage-loss benefits may be handled through first-party benefit selections on the policy—not only through bodily injury liability. When comparing quotes, align both liability limits and first-party benefit packages; a cheap BI/PD quote can still leave gaps in medical coverage after a crash.
Minimum ≠ enough
State minimums set a legal floor. Serious injuries and modern vehicle values often exceed those floors. Use our auto coverage planner to think through limits educationally.
Canonical URL for sharing: https://policyplain.org/states/pennsylvania