Pennsylvania Teen Driver Insurance for Parents
Pennsylvania requires 15/30/5 liability coverage and is a no-fault state.
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Pennsylvania at a Glance
15/30/5
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
16
Minimum learner's permit age, 65 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Pennsylvania
Teen drivers in Pennsylvania move through a graduated licensing system: learner's permit at 16, junior driver's license at 16.5 with passenger and curfew restrictions, and unrestricted license at 18 or after six months conviction-free on the junior license. Pennsylvania law mandates that all insurers offer a good student discount to drivers under 25 who maintain at least a B average, making it one of the few states where this discount is a guaranteed option rather than carrier-discretionary.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in Pennsylvania
$258–$372/mo
Typical monthly rate in Pennsylvania, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Proof is usually required annually via report card or transcript.
- The discount often lasts until age 21 or until the driver is no longer on the parent's policy.
- Popular programs in Pennsylvania include Snapshot (Progressive), DriveEasy (Geico), and RightTrack (Liberty Mutual).
- Vehicle type: Assigning the teen driver to an older, lower-value vehicle with good safety ratings reduces collision and comprehensive premiums significantly.
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
11pm-5am
Passengers
no more than 1 passenger younger than 18 first 6 months, then max 3 (family exempt)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Pays for injuries and property damage the teen driver causes to others in an at-fault accident. Pennsylvania's 15/30/5 minimums are insufficient for most scenarios — a single serious injury can exceed $30,000 in medical costs.
Collision Coverage
Pays to repair the teen's vehicle after an at-fault accident, minus the deductible. Required by lenders if the vehicle is financed; optional if the vehicle is paid off.
Comprehensive Coverage
Pays for non-collision damage — theft, vandalism, weather damage, and animal strikes. Required by lenders if the vehicle is financed.
Uninsured/Underinsured Motorist Coverage
Pays for your injuries and damages if the teen is hit by an uninsured or underinsured driver. Pennsylvania law requires insurers to offer UM/UIM at the same limits as your liability coverage.
Medical Payments Coverage
Pays for medical expenses for you and your passengers after an accident, regardless of fault. Optional in Pennsylvania and typically offered in $1,000–$10,000 limits.
Full Coverage Package
Not a legal term, but commonly used to describe a policy with liability, collision, comprehensive, and UM/UIM together. This is the standard package for financed vehicles and families with significant assets.