According to the Pennsylvania Insurance Department Guide to Auto Insurance Premiums the minimum required insurance coverage needed to own and operate a vehicle in Pennsylvania is:

Medical Benefits — This pays medical bills for you and others covered on your policy regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available.

Plus basic liability coverage often referred to as 15/30/5 coverage. This includes:

Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. You must buy coverage of at least $15,000/$30,000. The $15,000 pays for injuries to one person while the $30,000 represents the total available for one accident.

Property Damage Liability — If you damage someone’s property in an accident and you are at fault, this coverage pays for it. You must buy at least $5,000 of coverage. Some companies offer a single limit of $35,000 which meets the bodily injury liability and property damage liability minimum requirements.

For an affordable PA auto insurance quote, follow this link.