Liability Car Insurance in Pennsylvania
Numbers refreshed
Pennsylvania's cheapest legal policy: what you pay and what it leaves out.
- The monthly average for liability is $51.
- 15/30/5.the lowest liability coverage limits.
- Most expensive state (1st = highest): 27th of 51.
How much does liability cost in Pennsylvania?
In Pennsylvania, liability-only car insurance costs $617 each year on average, or about $51 monthly. For liability, it's the 30th most expensive state.
| Coverage in Pennsylvania | Per year | Per month |
|---|---|---|
| Liability | $617 | $51 |
| Collision | $494 | $41 |
| Comprehensive | $285 | $24 |
| Full coverage (all three) | $1,396 | $116 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay with the minimum
In Pennsylvania, the minimum liability required is 15/30/5: $15,000 per person hurt, $30,000 for all hurt in one crash, and $5,000 to cover damage to other people's property.
Liability coverage pays claims for other people. You pay for repairs to your own car unless you add collision coverage.
If the cost of a crash goes past your limits, the rest may be claimed from you. Going with higher limits usually costs far less than the jump in protection.
Learn more about car insurance in Pennsylvania
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