Compare Pennsylvania car insurance quotes and understand PA's unique full-tort vs. limited-tort choice. See your rate in minutes.
Pennsylvania has one of the more confusing auto insurance systems in the country — drivers actually choose between full tort and limited tort coverage, which most people have never heard of until they need to file a claim. Squeeze shops Pennsylvania's carrier market and helps make sense of the choice.
Limited tort offers lower premiums but restricts your right to sue for pain and suffering after an accident unless you meet certain injury thresholds. Full tort costs more but preserves your full right to sue.
15/30/5 liability, plus $5,000 in first-party medical benefits.
Pennsylvania uses a choice no-fault system — drivers select their tort option at the time of purchase.
Pennsylvania requires:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $5,000 in first-party medical benefits (PIP-equivalent), required under Pennsylvania's choice no-fault system
Pennsylvania is unique in letting drivers choose limited tort (lower premiums, restricted right to sue for pain and suffering) or full tort (higher premiums, unrestricted right to sue) — a distinction worth explaining clearly to shoppers, since most states don't offer this choice.
Squeeze shops a balanced mix of standard and non-standard Pennsylvania carriers.