Uninsured Motorist Coverage in Pennsylvania – Do You Need It?

Wondering if uninsured motorist coverage in PA is worth it? While Pennsylvania does not require uninsured motorist (UM) coverage by law, it can be one of the most valuable protections you can add to your auto insurance policy—especially with the number of uninsured and underinsured drivers on the road.


At CheapCarInsurancePA.com, we help Pennsylvania drivers understand, compare, and add affordable uninsured motorist coverage to their policies without overpaying.


What Is Uninsured Motorist Coverage in Pennsylvania?

Uninsured motorist (UM) coverage helps pay for your injuries if you’re hit by a driver who:

  • Has no car insurance
  • Is involved in a hit-and-run accident
  • Has insurance but not enough coverage (with UIM)

In Pennsylvania, UM coverage focuses on bodily injury, not vehicle damage.


Is Uninsured Motorist Coverage Required in PA?

❌ No, it’s not required by law
✅ Yes, insurers must offer it

Pennsylvania law requires insurance companies to offer uninsured and underinsured motorist coverage, but drivers can reject it in writing.

Many drivers don’t realize what they’re giving up when they decline it.


Uninsured vs Underinsured Motorist Coverage in PA

Coverage TypeWhat It CoversUninsured Motorist (UM)Injuries caused by a driver with no insuranceUnderinsured Motorist (UIM)Injuries when the at-fault driver’s limits aren’t enough

Most drivers choose to carry both UM and UIM coverage for full protection.


What Does Uninsured Motorist Coverage Pay For?

UM coverage in PA can help pay for:

  • Medical bills
  • Hospital stays
  • Rehabilitation & physical therapy
  • Lost wages
  • Pain and suffering
  • Funeral expenses

💡 It acts as a backup liability policy for your own injuries.


How Much Uninsured Motorist Coverage Should You Carry in PA?

Most insurers allow UM limits to match your bodily injury liability limits.

Common choices include:

  • $15,000 / $30,000 (state minimum match)
  • $50,000 / $100,000
  • $100,000 / $300,000

The higher the limit, the more protection you have—and the cost increase is often small.


How Much Does Uninsured Motorist Coverage Cost in PA?

UM coverage is usually very affordable.

💡 Many Pennsylvania drivers pay just a few dollars per month to add uninsured motorist protection—especially compared to the cost of medical bills after an accident.

It’s one of the best value coverages on an auto insurance policy.


Should You Get Uninsured Motorist Coverage in Pennsylvania?

UM coverage is strongly recommended if:

  • You want protection beyond state minimum insurance
  • You commute in high-traffic areas
  • You don’t want to rely on health insurance alone
  • You want protection from hit-and-run drivers
  • You carry liability-only insurance

If another driver can’t pay, UM coverage steps in.


Uninsured Motorist Coverage & Full vs Liability-Only Insurance

  • Liability-only insurance: UM is critical to protect you
  • Full coverage insurance: UM protects injuries, while collision/comprehensive protect your car
  • Minimum coverage policies: UM fills a major financial gap

UM works with almost every policy type.


Why Add Uninsured Motorist Coverage Through CheapCarInsurancePA.com?

✔ Clear explanations—no legal jargon
✔ Affordable UM & UIM options
✔ Pennsylvania-specific guidance
✔ Works with all policy types
✔ Fast quote comparisons


We help you protect yourself—not just meet the minimum.