How Much Car Insurance Should I Carry In Pennsylvania?

how much car insurance should i carry

Brandon Roberts PRO

Owner, The Insurance Pro Blog,

Auto coverage depends on your personal financial situation.  It is generally prudent to consider liability coverage that is at least $500,000 with a total $500,000 limit (a $1,000,000 limit would be more ideal).

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Jerry Usher

Producer, JW Hoban & Associates, Northeastern Pennsylvania

Pennsylvania state minimums for car insurance are 15k/30k for Bodily Injury, 5k for Property Damage and 5k for Medical Payment.  All other coverage and limits are optional.  However I highly recommend Uninsured (UM) and Underinsured Motorist (UIM) coverage.  This protects You if the person who hits you doesn't have insurance or enough insurance to cover Your damages.

With that being said,  the state minimums are

very low and people who only carry the minimums often find themselves short changed when it comes time to submit a claim.  I don't think any of us can get any emergency medical treatment for $5k these days.  The average auto owner in NEPA at least, carries 100/300 BI, 100 PD, 100/300 UM and UIM (unstacked if your insuring 1 car/ stacked if 2 or more), 10k Med pay,  250 comp, 500 coll, and most of the first party benefits along with towing and rental.

It really is beneficial to speak to an agent about your personal needs so that an appropriate policy can be written to shield those needs!

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Answered on August 25, 2013


Category: Insurance

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