No-Fault vs. At-Fault States: What It Means for Your Premium

In no-fault states, your own insurance pays your medical bills regardless of who caused the accident — through PIP (Personal Injury Protection).

Current no-fault states Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah.

Why premiums are higher More claims get paid (your own insurer pays even when you're not at fault), driving up average loss costs.

Choice no-fault New Jersey, Pennsylvania, and Kentucky let drivers choose between no-fault and traditional tort coverage.