Pennsylvania Auto Insurance for Drivers 75+

Covers injuries you cause to others in an at-fault accident. Drivers 75 and older should carry at least 100/300 limits, as age becomes a plaintiff argument in injury lawsuits, increasing settlement exposure even when the accident severity is minor.

Covers damage you cause to another vehicle or property. Carriers writing drivers 75 and older often require higher property damage limits as a condition of policy issuance.

Covers your own medical expenses regardless of fault, up to the policy limit. Drivers can opt for higher PIP limits or reject PIP entirely in writing, but rejection must occur at policy inception — verbal rejection is not valid under Pennsylvania law, and the coverage is added automatically if the rejection form is not completed.

Protects you when hit by a driver with no insurance or insufficient coverage. Pennsylvania does not require UM/UIM but carriers must offer it at limits equal to your liability coverage. Rejection must be made in writing at policy inception.

Collision covers damage to your vehicle in an at-fault accident; comprehensive covers theft, weather, vandalism, and animal strikes. Not required by Pennsylvania law, but required by lenders if the vehicle is financed or leased. Drivers 75 and older owning vehicles older than 10 years should evaluate whether the annual premium exceeds the vehicle's actual cash value — many carriers non-renew full coverage on older vehicles for this age bracket, offering liability-only policies instead.