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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?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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