Should I drop my liability insurance to the minimum state coverage in Pennsylvania?

I'm a student with limited income in Pennsylvania. I had full coverage on my vehicle, but I want to cut expenses. Should I drop my coverage to the legal minimum?

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Eric Schad
Answered on Apr 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“If your car is an older, cheaper model, you can consider dropping your collision and comprehensive coverage. The bigger issue lies with your liability coverage.
Pennsylvania has among the lowest state-minimum car insurance requirements in the country. At 15/30/5, Pennsylvania’s minimum liability insurance doesn’t cover all that much, even with the mandatory $5,000 medical payments coverage.
If you get in an at-fault accident and your insurance limits aren’t high enough to cover the other driver’s expenses, you’ll have to pay the remaining balance out of pocket. You could even be sued.
For the sake of your future finances, don’t drop your liability coverage down to the state minimum. Instead, opt for something like 50/100/50 or 100/300/100. Gather car insurance quotes online to find the best rate.”
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