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Pennsylvania’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Pennsylvania:

Is it mandatory to have car insurance in Pennsylvania? 


What are the minimum limits for Pennsylvania? 

$15,000 bodily injury per person 
$30,000 bodily injury per accident 
$5,000 property damage per accident



Dairyland® coverage in Pennsylvania

At Dairyland, we’re proud to be able to help drivers in Pennsylvania meet their insurance needs. Here are some of the parameters of our insurance coverage in Pennsylvania:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Pennsylvania?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$100,000 property damage per accident



What liability coverages are required to be offered in Pennsylvania? Can a customer reject them?

Bodily Injury, Property Damage, and Medical Payments are required. Uninsured/Underinsured Motorist Bodily Injury must be offered but can be rejected.

What are all the coverages Dairyland offers in Pennsylvania?

  • Bodily Injury
  • Property Damage
  • Accidental Death
  • Combined First-Party Benefits
  • Comprehensive
  • Collision
  • Medical Payments
  • Funeral Benefits
  • Income Loss
  • Rental Reimbursement
  • Roadside Assistance
  • Special Equipment
  • Towing and Labor
  • Uninsured/Underinsured Motorist Bodily Injury

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Pennsylvania? 

20 years 

How far back does Pennsylvania go to look at violation history? 

3 years

What additional policy types are offered in Pennsylvania?  

Named Non-Owner

Is an insurance score used in my rating in Pennsylvania? If so, is it mandatory?  

An insurance score is used in Pennsylvania. It’s not state-mandated, but is part of Dairyland’s rating. 

What policy terms does Dairyland offer in Pennsylvania?  

6 months

What is Dairyland’s minimum down payment option in Pennsylvania? 


Are SR22s used in Pennsylvania? 

SR22s aren’t used in Pennsylvania.

What discounts are available from Dairyland in Pennsylvania?

  • Advanced quote
  • Anti-theft device
  • Defensive driver course
  • Homeowners
  • Multi-car
  • Paid in full
  • Prior insurance
  • Safety device
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