Best Residual Bodily Injury Liability (RBIL) Auto Insurance Companies (2021)
The best residual bodily injury liability (RBIL) auto insurance companies are GEICO and USAA. Technically, Michigan drivers must buy residual bodily injury liability auto insurance by name, but it works like traditional liability insurance in no-fault states and helps with legal fees if you’re sued by another driver. Auto insurance costs $84 per month on average, but your residual bodily injury liability auto insurance rates vary depending on your ZIP code, driving record, and coverage needs.
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UPDATED: Sep 28, 2021
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- The best residual bodily injury liability (RBIL) auto insurance companies are GEICO and USAA
- Residual liability insurance covers potential legal fees if a driver sues you in a no-fault state
- Michigan state laws require drivers to purchase a minimum level of RBIL auto insurance
If you live in a no-fault state, the best residual bodily injury liability (RBIL) auto insurance companies are GEICO and USAA.
In no-fault states, your right to sue another driver is limited by verbal or monetary tort thresholds.
But RBIL insurance helps cover your legal fees if a driver sues you for causing an accident with costs exceeding your personal injury protection (PIP) limits and the tort threshold in your state.
Typically, even in no-fault states, you’re required to purchase a level of traditional liability auto insurance coverage.
However, in Michigan, drivers must buy residual bodily injury liability auto insurance. But the coverages work the same way in all no-fault states.
Keep reading to learn more about residual bodily injury liability auto insurance policies and discover tips for keeping your rates low.
After learning about residual bodily injury liability auto insurance rates, remember to enter your ZIP code into our free tool above to compare quotes from reputable companies near you.
What are the best residual bodily injury liability auto insurance companies?
Residual bodily injury liability insurance is legally required by name in Michigan, and it works the same as traditional bodily injury liability insurance in the other no-fault states.
The 12 no-fault states include:
- New Jersey
- New York
- North Dakota
Technically, in regions like Washington, D.C., you can choose between tort or no-fault policies, known as choice no-fault laws.
Pennsylvania and New Jersey are also choice no-fault states, which allows you to either opt-in or opt-out of no-fault.
But if you live in a no-fault state, what provider offers the lowest average residual bodily injury liability auto insurance rates?
In these states, you can typically purchase residual bodily injury from Progressive, GEICO, USAA, and any other active company in your region.
In the table below, compare the average annual auto insurance rates by provider using insurance costs from the twelve no-fault states:
|Companies||Average Annual Auto Insurance Rates|
The data above does not reflect only residual bodily injury liability auto insurance quotes but is a compilation of average rates from the no-fault states by provider. So RBIL policies make up a fraction of those totals.
In no-fault states, the best residual bodily injury liability auto insurance company is GEICO Auto Insurance Company. The provider offers the cheapest base quotes to drivers and is available in all 50 states.
GEICO also offers other auto insurance discounts that can help lead to more significant savings, as well as an accident forgiveness program.
USAA Auto Insurance Company also provides competitive rates in the no-fault states and is our second recommended provider. However, only military personnel and their families can use its services.
For those who do qualify, though, USAA offers similar discounts to GEICO as well as cheaper base quotes.
State Farm Auto Insurance Company and Progressive Auto insurance Company also provide competitive quotes in the no-fault states, but younger drivers will typically earn lower prices from the other two providers mentioned above.
However, many factors will impact your auto insurance rates, including your age, driving record, ZIP code, and even the make and model of the car you drive.
Plus, not all companies are active or available in all parts of the country.
So to secure your cheapest residual bodily injury liability insurance costs, compare auto insurance quotes online from at least three different providers.
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What is residual bodily injury liability auto insurance?
How does residual bodily injury auto insurance work compared to the different types of insurance coverages? In no-fault states, your right to sue another driver is limited by verbal and monetary legal thresholds.
So after an accident, regardless of fault, each driver typically files a claim through their own insurance policy.
However, suppose damages resulting from an accident that you’re found at least 50% responsible for exceeds your state’s threshold.
In that case, the other driver can sue you for pain and suffering and other expenses.
Typically, you’d rely on your PIP insurance to assist with those potential legal fees, but PIP insurance also has its limits.
If you run out of coverage, your residual bodily injury liability insurance steps in to cover the rest.
In other words, residual bodily injury liability car insurance protects you from legal fees if you cause a severe accident that also exceeds your PIP and other insurance limits.
Are your passengers covered by PIP insurance? Fortunately, yes, your personal injury protection applies to your passengers as well.
According to the Insurance Information Institute (III), tort liability thresholds may include death, significant disfigurement, or specific dollar amounts or medical bills.
Find the tort threshold and PIP insurance limits in your state in the table below:
|State||Tort Threshhold Limits||Minimum PIP Requirement|
|Kansas||$2,000||$4,500 per person
$900 per month for disability or income loss
$25 per-day for in-home services
$4,500 for rehabilitation services
$2,000 for funeral, burial, and cremation costs
|Michigan||Verbal||$250,000 plus lower options available for Medicare and Medicaid recipients|
Technically, drivers in both no-fault and at-fault states may use bodily injury liability insurance for legal fees.
So what’s the difference between residual bodily injury liability insurance and traditional bodily injury liability insurance?
In Michigan, it’s the official name for the required legal liability insurance limits. But otherwise, the coverage works essentially the same way as traditional liability insurance in no-fault states.
Other than legal assistance, liability insurance pays for damages resulting from an accident you caused to another driver or someone else’s property.
In at-fault or tort states, does bodily injury cover you or your medical expenses? No, in tort states, your ability to sue other drivers is not limited.
If you lived in a tort state and were injured in an accident deemed not your fault, you’d file a claim through the other driver’s bodily injury liability insurance.
Do I need residual bodily injury liability auto insurance?
State laws dictate what level of auto insurance you’re required to purchase to drive on the roads legally.
Of the no-fault states, all need you to buy is some level of bodily injury and property damage liability insurance.
However, only the Michigan state government specifically requires residual liability insurance coverage by name.
So in Michigan, providers legally must sell you at least the legal minimum limits.
But in the other no-fault states, it might just be referred to as general liability insurance.
Find the auto insurance minimum legal requirements by no-fault state in the table below:
|No-Fault State||Insurance Types Required||Minimum Liability Limits|
|Florida||PD liability, PIP||10/20/10|
|Hawaii||BI & PD liability, PIP||20/40/10|
|Kansas||BI & PD liability, PIP||25/50/25|
|Kentucky||BI & PD liability, PIP||25/50/25|
|Massachusetts||BI & PD liability, PIP||20/40/5|
|Michigan||BI & PD liability, PIP||20/40/10|
|Minnesota||BI & PD liability, PIP, UM, UIM||30/60/10|
|New Jersey||BI & PD liability, PIP, UM, UIM||15/30/5|
|New York||BI & PD liability, PIP, UM, UIM||25/50/10|
|North Dakota||BI & PD liability, PIP, UM, UIM||25/50/25|
|Pennsylvania||BI & PD liability, PIP||15/30/5|
|Utah||BI & PD liability, PIP||25/65/15|
Keep in mind that state auto insurance minimum limits usually do not always provide substantial protection.
So you might consider these additional auto insurance coverage options:
- Collision insurance: Covers damage to your vehicle and property when your car is in motion, regardless of fault. A deductible is usually associated with this policy.
- Comprehensive insurance: Protects your vehicle and property when your car is parked, including auto theft, weather damage, fire, flooding, and vandalism. A deductible is usually associated with this policy.
- Uninsured/underinsured motorist coverage: Uninsured motorist bodily injury and property damage coverage protects you if you’re involved in an accident with a person who has no insurance or who is underinsured.
- Medical payments coverage (MedPay): Like PIP, MedPay covers your medical costs regardless of fault but is more limited than PIP.
Most auto insurance companies also offer add-on options, like:
- Roadside assistance
- Windshield replacement
- Rental car coverage
- Guaranteed asset protection (GAP) insurance
- Personal umbrella protection (PUP)
- Telematics or usage-based insurance (UBI) programs
Research your coverage options and pick and choose a policy that fits your budget without compromising your safety.
What You Need to Know About the Best Residual Bodily Injury Liability (RBIL) Auto Insurance Companies
Most drivers have no problem securing affordable residual bodily injury liability insurance from the top providers in no-fault states.
But the companies offering the cheapest residual bodily injury insurance in the 12 no-fault states include GEICO and USAA. However, to find the right company for you, compare rates online from more than one provider.
Now that you’re an expert on affordable residual bodily injury liability auto insurance, find the best coverage for you by entering your ZIP code into our free rate comparison tool below.