All vehicle owners with a registered vehicle in the state of PA are required to bind and maintain continuous auto insurance coverage as mandated by the state. PA financial responsibility laws require that drivers carry a minimum amount of liability coverage and Personal Injury Protection coverage. The state requires that drivers carry no less than $15,000 per accident and $30,000 per accident in Bodily Injury Coverage and $5,000 per occurrence in Property Damage. While not every state requires drivers to carry Personal Injury Protection, (PIP), PA does require drivers to carry this for their own protection. PIP coverage provides first party benefits and is a form of medical payments coverage that is paid regardless of fault to the policyholder and passengers. You must carry a minimum of $5000 of PIP coverage to satisfy state laws.
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Yes it is required by law in Pennsylvania that all motor vehicle owners purchase and maintain auto insurance.