Under 25 Insurance
Get a Quote
A wide river at sunset with an ornate dark metal railing and stone post in sharp focus at right, and a blurred skyline with a large domed building and columns on the far bank under orange and purple clouds.

Pennsylvania Auto Insurance for First-Time Drivers

Pennsylvania requires 15/30/5 liability coverage and is a no-fault state.

Compare my rates

Free to compare

Pennsylvania at a Glance

15/30/5

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

16

Minimum learner's permit age, 65 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Pennsylvania

Pennsylvania operates under a choice no-fault system, meaning drivers select either limited tort (lower premiums, restricted lawsuit rights) or full tort (higher premiums, unrestricted lawsuit rights) when purchasing coverage. First-time buyers must understand this choice system before purchasing, as it directly affects both your premium and your legal rights after an accident.

Bodily Injury Liability

Covers medical bills, lost wages, and legal costs when you injure someone in an at-fault accident. The Pennsylvania Department of Insurance recommends first-time drivers carry at least 100/300 limits to protect future earnings and assets.

Property Damage Liability

Pays for damage to another person's vehicle or property when you cause an accident.

First-Party Medical Benefits

Covers your own medical expenses after an accident regardless of fault, a core feature of Pennsylvania's choice no-fault system. You can waive this coverage if you have qualifying health insurance, which many first-time drivers on a parent's plan already have. If waiving, you must sign a rejection form annually — missing this step means your insurer will automatically include the coverage and charge you for it.

Tort Selection (Limited or Full)

Full tort preserves all lawsuit rights but costs more. First-time drivers often choose limited tort to reduce upfront costs, but this decision binds you for the entire policy term — you cannot change it mid-policy, only at renewal.

Uninsured/Underinsured Motorist Coverage

The Pennsylvania Department of Insurance requires you to sign a waiver each year if declining, and most insurers recommend matching it to your liability limits.

What Drivers Pay in Pennsylvania

$281/mo

Typical monthly rate in Pennsylvania, new drivers

Rate data: Insurify, 2026

A man in a cap, jacket and jeans leans against the front fender of a pickup truck parked on gravel, facing the setting sun over open rolling terrain.

Bring Your Under 25 Rate Back to Earth

Compare Rates for Drivers Under 25

Rules for new drivers

Night driving

11pm-5am

Passengers

no more than 1 passenger younger than 18 first 6 months, then max 3 (family exempt)

Source: IIHS and state DMV records, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. The premium is what you pay monthly or annually to keep the policy active, and the liability limit is the maximum your insurer will pay per accident — anything above that limit comes out of your pocket.

Full Coverage

Combines liability, collision (covers your car in an at-fault crash), and comprehensive (covers theft, weather, vandalism) into a complete package. A deductible is the amount you pay out-of-pocket before insurance pays the rest — common deductibles are $500 or $1,000.

Comprehensive Coverage

Pays to repair or replace your vehicle after non-collision events like theft, hail, flood, vandalism, or hitting a deer. This is separate from collision coverage, which applies only to crashes with other vehicles or objects.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits to cover your injuries and damage. This coverage pays your medical bills, lost wages, and vehicle repairs when the at-fault driver cannot.

Collision Coverage

Pays to repair or replace your car after a crash with another vehicle or object, regardless of who caused the accident. You pay the deductible first, then insurance covers the remaining repair cost up to your vehicle's actual cash value.

SR-22 Insurance

An SR-22 is not a separate insurance policy — it's a certificate your insurer files with the Pennsylvania Department of Transportation proving you carry at least the state minimum coverage. Required after certain violations like DUI, driving without insurance, or multiple at-fault accidents.

Find Your City in Pennsylvania

Philadelphia

urban

Pittsburgh

urban

Allentown

urban

Reading

urban

Erie

urban

Scranton

urban

Bethlehem

urban

Lancaster

urban

Levittown

suburban

Harrisburg

urban

York

urban

Wilkes-Barre

urban