Auto & Driving
No-Fault State Insurance Cost Calculator
Estimates based on WalletHub and Insurance.com data, updated August 2026.
See whether your state requires Personal Injury Protection (PIP) coverage and what it is likely to add to your annual premium.
Data sourced from WalletHub, Insurance.com
Estimated new annual premium with PIP
$0
How this is calculated
Source: WalletHub (state PIP minimums), Insurance.com (typical PIP cost) · Last updated 2026-08-20 · See how we calculate this →
What "no-fault" actually changes about your coverage
In a no-fault state, your own insurer pays your medical bills and lost wages after an accident through Personal Injury Protection (PIP) coverage, no matter who caused the crash.
In an at-fault (tort) state, the driver who caused the accident is financially responsible instead, through their liability coverage. PIP is not a replacement for liability coverage, it is required in addition to it.
Twelve states currently require PIP: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Required minimum coverage varies widely, from $3,000 in Utah to $50,000 in New York.
Pennsylvania is a related but distinct case: it requires $5,000 in "medical benefits" coverage rather than a standard PIP policy, though it functions similarly.
Michigan is a special case. Its no-fault system used to mandate unlimited lifetime PIP medical benefits for every driver, one of the most expensive mandates in the country.
A 2020 reform replaced that with driver-selectable tiers, $50,000 (limited to Medicaid-qualified drivers), $250,000, $500,000, unlimited, or an opt-out available to some Medicare-eligible drivers. Because the cost difference between those tiers is enormous, there is no single "Michigan PIP minimum" to quote anymore, this tool shows that qualitatively rather than picking one tier and presenting it as the state figure.
Nationally, PIP coverage adds about $191 a year to a policy on average, per Insurance.com. Florida is a notable exception, PIP there commonly adds $300 to $400 a year, driven by the state's high medical costs and well-documented history of PIP-related insurance fraud. Actual cost always depends on your insurer, driving record, and location within the state.
Frequently asked questions
What does "no-fault" actually mean?
In a no-fault state, your own Personal Injury Protection (PIP) coverage pays your medical bills and lost wages after an accident, regardless of who caused it. In an at-fault (tort) state, the driver who caused the accident, or their liability insurance, is responsible for those costs instead.
Which states require PIP coverage?
Twelve states currently require PIP coverage: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Pennsylvania requires a similar "medical benefits" coverage instead of standard PIP.
Why is Michigan different from the other PIP states?
Michigan's 2020 no-fault reform replaced its old unlimited-PIP mandate with driver-selectable coverage tiers, $50,000, $250,000, $500,000, unlimited, or an opt-out for some Medicare-eligible drivers, so there is no single minimum dollar figure to quote anymore.
Does PIP replace my liability coverage?
No. PIP covers your own injuries and lost wages regardless of fault. You still need liability coverage to pay for injuries or damage you cause to others, PIP is an addition to your policy, not a replacement for it.