Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Pennsylvania

Insurance Requirements for Car Registration in Pennsylvania

All drivers in Pennsylvania are required to carry liability insurance, or “financial responsibility,” on their vehicles in order to operate a vehicle legally and to maintain legal vehicle registration.

No-fault state

Pennsylvania is a no-fault state, meaning that your insurance will pay for your medical bills and damages regardless of who is at fault in the accident. The minimum financial responsibility requirements for Pennsylvania drivers are as follow:

  • A minimum of $5,000 for medical benefits coverage

  • A minimum $5,000 for property damage liability

  • A minimum of of $15,000 per person for bodily injury liability. This means you’ll need to carry a minimum of $30,000 to cover the lowest possible number of people involved in an accident (the two drivers).

This means that the total minimum amount of financial responsibility you will need is $40,000 to cover bodily injury or death, property damage liability, and medical benefits coverage.

Being a no-fault state means that Pennsylvania drivers’ have two options regarding tort in their insurance policies. They can choose the cheaper limited tort, which means that their right to sue another driver for pain and suffering is limited; or they can choose the more expensive unrestricted tort, which allows drivers to sue other drivers for medical costs as well as pain and suffering.

Proof of insurance

In order to register your vehicle in Pennsylvania, you must present proof of insurance. You must also keep a proof of insurance document in your vehicle, because you are required to show it during a traffic stop or at the scene of an accident.

Acceptable forms of proof of insurance include the following document:

  • A current insurance ID card from an authorized insurance provider

  • A current insurance binder

  • A copy of the declaration page of the insurance policy

  • A signed letter from your insurance provider or agent, on company letterhead

  • A copy of your application to the Pennsylvania Assigned Risk Plan

Pennsylvania Assigned Risk Plan

If you are deemed a high-risk driver, insurance providers in Pennsylvania can legally refuse to offer you coverage. In order to ensure that all drivers can access legally required liability insurance, Pennsylvania operates the Pennsylvania Assigned Risk Plan. This requires all insurance companies in Pennsylvania to accept applicants through the plan, regardless of their high-risk status.

Violation penalties

If you do not carry the legally required financial responsibility in Pennsylvania, you could face several penalties. These include:

  • A minimum fine of $300

  • Suspension of your driver’s license and registration for up to three months

  • A total of $176 in reinstatement fees

  • Impoundment of your vehicle

Canceling your insurance

If you need to cancel your insurance policy because a vehicle is in storage, or being repaired, or due to financial difficulty, you must send your registration plate, sticker, and card to the Pennsylvania Department of Transportation immediately.

For more information, or to renew your vehicle’s registration online, contact the Pennsylvania Department of Transportation through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How to Buy Fuel Treatments
Adding a fuel additive to your gas tank when you fill up is one way to clean vital engine parts of deposits, improve the performance of your engine,...
How to Transfer a Car Title in Idaho
In order to prove ownership of a car, you must have the title. However, when a car is sold, given away or inherited, the title needs...
The Traveler’s Guide to Driving in Malaysia
CraigBurrows / Shutterstock.com Malaysia is a popular destination for many tourists today. The country has amazing sights and attractions that you will want to explore....


Related questions

Q: What is "diminished value" as it refers to a totaled car?

Hi, thanks for writing in. The insurance company can use "diminished value" for a number of reasons. The overall condition of the vehicle not including the wreck, above average mileage, etc. I would ask them what criteria they are using...

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....

Q: Do I need gap insurance?

Gap insurance is designed to cover the difference between what is owed on the vehicle (your car loan) and what the insurance company may pay out in the event of an accident or loss. Any example might be a situation...