How much car insurance do I really need in Pittsburgh, PA
Honestly, figuring out how much car insurance you actually need in Pittsburgh isn’t always simple. I’ve had a few conversations with friends recently about this, and the answer isn’t “one-size-fits-all.” It really depends on your budget, your car’s value, and how much risk you’re comfortable with. 👉 I recently reviewed my own coverage after learning more on this page about Pittsburgh auto insurance options. It helped me understand that upping your liability limits and adding comprehensive and collision might be worth the extra few bucks monthly, especially if you're driving a newer car or parking in areas prone to theft or damage.
Pennsylvania’s minimum requirements are pretty basic. You’re legally required to carry:
$15,000 per person and $30,000 per accident for bodily injury liability
$5,000 for property damage liability
$5,000 for medical benefits (first-party benefits)
That might sound like enough, but in reality, it doesn’t go far if you're in a serious accident. Medical bills or legal fees can easily exceed those limits—and then you're personally on the hook.
Some other things to think about:
Do you want to protect your own car from storms, potholes, or hit-and-runs? → Look at comprehensive coverage.
Still making car payments? → Your lender will probably require collision and comprehensive.
Live in a hilly or high-traffic area of Pittsburgh? → Consider raising your liability coverage. One bad accident could cost you more than the minimum covers.
Everyone's situation is different, but underinsuring to save a few dollars could cost way more in the long run. Just sharing what I’ve learned in case it helps someone else here.
Would love to hear what limits others carry in Pittsburgh!