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Pennsylvania Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Pennsylvania. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Pennsylvania.

PA Auto Insurance Laws and Regulations:

Pennsylvania Dept. of Car Insurance / Regional Office - Harrisburg
Room 1321 Strawberry Square - Third & Walnut Streets
Harrisburg, PA 17120

Minimum Car Insurance Coverage in PA:

$15,000 for injury/death to one person

$30,000 for injury to more than one person

$5,000 for damage to property

PA Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


PA Uninsured Penalties:

If you fail to maintain the minimum levels of insurance coverage (or having no coverage) as required by Pennsylvania state law, then when you are caught, you will find yourself faced with the following penalties to deal with. You will be hit with a $300 fine, suspension of your driver's license for three months, and suspension of your vehicle registration for three months.

Getting your driver's license and vehicle registration reinstated will require a $50.00 fee each as well. Of course you will not be allowed to have your driver's license or registration reinstated until after you have paid that $300 fine as well. This brings the total cost of being caught without insurance to $400...quite likely the amount you would have saved by simply having an insurance policy in the first place.


PA Department of Insurance Contact Information:

1-717-787-2317

PA State Insurance Department Website:





Directory of Pennsylvania Auto Insurance Agents by County

Adams
Allegheny
Armstrong
Beaver
Bedford
Berks
Blair
Bradford
Bucks
Butler
Cambria
Cameron
Carbon
Centre
Chester
Clarion
Clearfield
Clinton
Columbia
Crawford
Cumberland
Dauphin
Delaware
Elk
Erie
Fayette
Forest
Franklin
Fulton
Greene
Huntingdon
Indiana
Jefferson
Juniata
Lackawanna
Lancaster
Lawrence
Lebanon
Lehigh
Luzerne
Lycoming
Mckean
Mercer
Mifflin
Monroe
Montgomery
Montour
Northampton
Northumberland
Perry
Philadelphia
Pike
Potter
Schuylkill
Snyder
Somerset
Sullivan
Susquehanna
Tioga
Union
Venango
Warren
Washington
Wayne
Westmoreland
Wyoming
York

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