The law dictates that all drivers must carry a minimum amount of Pennsylvania auto insurance to legally drive. This minimum is a 15/30/5 policy with $5,000 in medical payment coverage. More specifically, drivers must carry at least $15,000 in bodily injury liability per person and $30,000 per accident, and also $5,000 in property damage liability. Each of these liability coverage amounts applies towards the other party and vehicle, not the policyholder’s own damage. The insurer will pay for the repairs and medical expenses according to their specific terms and only up to the amount purchased. Many expert recommend drivers carry a 100/300/100 policy.