Philadelphia Drivers: Here's What You Need to Know About Minimum Insurance Requirements

Even a minor accident can cost thousands without the right coverage.

If you’re driving in Philadelphia—or anywhere in Pennsylvania—having car insurance isn’t just a good idea, it’s the law. But what exactly are the minimum insurance requirements in Pennsylvania? And is the minimum enough to really protect you on the road?
At Mars Tag & Insurance Agency, we believe in keeping it simple, clear, and honest. Here’s what you need to know before you hit the road in Philly.

What Is the Minimum Car Insurance Required in Pennsylvania?
Pennsylvania is a no-fault state, which means your own insurance pays for your medical expenses after an accident, no matter who caused it.

As of 2025, the minimum required coverage is:

• $15,000 for bodily injury per person
  
  
  
• $30,000 for total bodily injury per accident
  
  
  
• $5,000 for property damage
  
  
  
• $5,000 for medical benefits (also called "first-party benefits")
  
  
  

Let’s break that down…

What Does That Actually Cover?

• If you cause an accident, your insurance will pay up to $15,000 per injured person and $30,000 total per accident for the other party’s injuries.
  
  
  
• You get $5,000 to cover damage you cause to another person’s car or property.
  
  
  
• Regardless of fault, your own medical expenses are covered up to $5,000.
  
  

Is the Minimum Enough?

Short answer? Usually not.

In a serious accident, medical bills and vehicle damage can rack up quickly. If costs go beyond your coverage limits, you’re responsible for the rest out of pocket.
We’ve seen too many Philly drivers find out the hard way that minimum coverage doesn’t go very far. That’s why we always recommend a quick coverage review—it’s free, and it could save you thousands down the line.


Optional Coverages Worth Considering

• Uninsured/Underinsured Motorist Coverage – Protects you if the other driver doesn’t have enough (or any) insurance.
  
  
  
• Comprehensive & Collision – Covers your own vehicle from theft, vandalism, weather damage, or accidents.
  
  
  
• Higher Liability Limits – A little more coverage can mean a lot more peace of mind.
  
  

Why It Matters in Philly

Let’s face it--driving in Philly isn’t easy. Tight streets, aggressive drivers, and busy traffic mean accidents happen more often than we’d like. With the right insurance, you don’t have to worry about what comes next.


Let Us Help You Get Covered Right

At Mars Tag & Insurance Agency, we’re here to help you get the protection you need--without overpaying. Whether you're renewing, switching companies, or just need a quick check-up on your current policy, we’ve got your back.
Call us, stop by, or get a quote online today.


📍 Mars Tag & Insurance Agency – Philadelphia, PA
Your local one-stop shop for insurance, title transfers, notary, and registration.