Liability insurance is the minimum legal requirement in Pennsylvania — it covers damage you cause to other people and their property. The average cost is $50/month with 15/30/5 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Pennsylvania requires minimum limits of 15/30/5, but most insurance experts recommend at least 50/100/50 — especially with 7% of Pennsylvania drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (15/30/5) | $50/mo | $594 | Other people's injuries & property |
| Full Coverage | $183/mo | $2,194 | Others + your own vehicle |
Switching from full coverage to liability-only saves $1596/year in Pennsylvania — but your own car has zero protection.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $834 | $139/mo |
| Erie Insurance | $876 | $146/mo |
| Progressive | $936 | $156/mo |
| State Farm | $1,026 | $171/mo |
| Allstate | $1,248 | $208/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
Compare 5+ carriers. Free, no-obligation quote from a licensed agent.
(888) 217-6781Rates vary by city. Find rates for your area:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Free quote · No obligation · Licensed agents · Under 2 minutes