Pennsylvania Insurance Requirements & Rates

Pennsylvania requires minimum liability coverage of 15/30/5 (bodily injury per person / per accident / property damage). Pennsylvania is a choice no-fault state, giving drivers the option to choose between at-fault and no-fault coverage. Uninsured motorist coverage is not required but recommended. Personal injury protection (PIP) is also required.

Pennsylvania homeowners face risks from flooding, severe thunderstorms, winter storms, tornadoes. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $1,761.

Pennsylvania requires riders under 21 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is april–october.

Yes, workers' compensation insurance is required in Pennsylvania. Sole proprietors and partners may opt out. Pennsylvania has approximately 1,100,000 small businesses, with top industries including Healthcare, Manufacturing, Technology.

Yes, Pennsylvania has expanded Medicaid. The state has its own state-based health insurance marketplace at https://pennie.com. The uninsured rate is 6.2%.

Yes, landlords in Pennsylvania can require tenants to carry renters insurance as a condition of the lease. About 31% of Pennsylvania residents are renters, with average monthly rent of $1,050.

With a median household income of $67,587, most Pennsylvania families should consider 10-12x their annual income in life insurance coverage. Currently, 53% of Pennsylvania households have life insurance.