Liability-Only Car Insurance in Pennsylvania – The Cheapest Legal Coverage

Looking for liability only car insurance in PA? If you want the lowest-cost way to drive legally in Pennsylvania, liability-only auto insurance is often the best option—especially for older vehicles or budget-focused drivers.

At CheapCarInsurancePA.com, we help Pennsylvania drivers compare cheap liability-only car insurance quotes from multiple carriers, including options for bad credit, suspended licenses, and high-risk drivers.


What Is Liability-Only Car Insurance in PA?

Liability-only car insurance covers damage and injuries you cause to others in an accident—but does not cover your own vehicle.

In Pennsylvania, liability-only insurance includes the state-required minimum coverage:


Pennsylvania Minimum Liability Requirements

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability
  • $5,000 first-party medical benefits (required in PA)

This is often referred to as 15/30/5 coverage plus medical benefits.


Is Liability-Only Insurance Legal in Pennsylvania?

✅ Yes. Liability-only insurance meets Pennsylvania’s legal minimum requirements as long as it includes first-party medical benefits.

It allows you to:

  • Register your vehicle
  • Avoid fines and license suspension
  • Drive legally in PA
  • Keep insurance costs as low as possible

Who Should Get Liability-Only Car Insurance?

Liability-only auto insurance in PA is ideal if:

  • Your car is paid off
  • Your vehicle is older or low-value
  • You want the cheapest car insurance in Pennsylvania
  • You’re a high-risk driver trying to lower premiums
  • You can afford repairs or replacement out of pocket

If your car is financed or leased, full coverage is usually required by the lender.


How Much Is Liability-Only Car Insurance in PA?

Liability-only insurance is the least expensive car insurance option in Pennsylvania.

Rates depend on:

  • Driving history
  • Age & location
  • Credit-based insurance score
  • Prior lapses in coverage
  • Vehicle type

💡 Many drivers save 40–60% compared to full coverage by switching to liability-only.


Cheap Liability-Only Insurance for High-Risk Drivers in PA

We help drivers get liability-only car insurance in Pennsylvania even with:

  • Bad or no credit
  • DUI or DWI convictions
  • Suspended or reinstated licenses
  • SR-22 requirements
  • Multiple tickets or accidents

We work with non-standard insurers that accept drivers other companies reject.


Liability-Only vs Full Coverage in PA

FeatureLiability-OnlyFull CoverageCovers Others’ Injuries✔✔Covers Others’ Property✔✔Covers Your Vehicle✘✔Lowest Cost Option✔✘Required by Lender✘✔


Ways to Lower Liability-Only Insurance in PA Even More

You may qualify for additional savings by:

  • Comparing multiple insurers (biggest impact)
  • Maintaining continuous coverage
  • Choosing higher deductibles (medical benefits)
  • Asking about low-mileage or mature driver discounts
  • Avoiding coverage gaps

We make sure you don’t pay a dollar more than necessary.


Why Choose CheapCarInsurancePA.com?

✔ Pennsylvania insurance specialists
✔ Access to low-cost liability-only policies
✔ Options for high-risk drivers
✔ Fast, free quote comparison
✔ No pressure, no judgment

We focus on legal coverage at the lowest possible price.


Get a Liability-Only Car Insurance Quote in PA Today

If you’re looking for the cheapest car insurance in Pennsylvania, liability-only coverage may be the right fit.

👉 Compare liability-only car insurance quotes in PA
👉 Free, fast, and no obligation
👉 Same-day coverage available

Stay legal. Stay protected. Pay less.