Cheap No-Fault Auto Insurance in 2025 (10 Most Affordable Companies)

Geico, Erie, and State Farm have cheap no-fault auto insurance, with rates starting at $32 per month.

Geico is the top pick for affordability, while Erie offers competitive no-fault insurance quotes with high customer satisfaction.

Our Top 10 Company Picks: Cheap No-Fault Auto Insurance

State Farm provides extensive PIP auto insurance coverage and flexible policy options. Compare rates now to find the best deal for your budget.

Enter your ZIP code in our free tool to compare no-fault auto insurance quotes and find the best rates today.

#1 – Erie: Top Overall Pick

Pros

• Affordable Rates: Erie offers some of the most competitive cheap no-fault auto insurance rates, starting at $32 per month.
• Excellent Customer Satisfaction: Erie consistently ranks high in customer service and claims handling, as noted in the Erie auto insurance review.
• PIP Coverage Options: Erie provides customizable no-fault insurance quotes with various personal injury protection (PIP) limits.

Cons

• Limited Availability: Erie only operates in 12 states and D.C., restricting access for many drivers.
• Strict Eligibility Rules: Erie may have stricter underwriting requirements, making it harder for high-risk drivers to qualify.

#2 – Geico: Strong Customer Satisfaction

Pros

• Competitive Pricing: Geico is renowned for its affordability, often offering lower premiums compared to many competitors, making it an attractive option for no-fault auto insurance.
• Nationwide Coverage: Geico offers coverage in all 50 states and D.C., ensuring nationwide accessibility. Learn more in our Geico auto insurance review.
• Fast Claims Processing: Geico is known for its efficient claims processing and responsive customer service, with many claims being handled quickly and smoothly.

Cons

• Limited Coverage Options: Geico offers fewer add-ons like gap insurance, new car replacement, and rideshare coverage.
• Limited Network of Agents: While Geico offers excellent online and phone support, some customers may prefer face-to-face interaction with local agents, which may be limited in certain areas.

#3 – State Farm: Reliable Coverage

Pros

• Extensive Agent Network: State Farm has over 19,000 independent agents across the U.S. who are licensed to provide personalized service to customers in their local communities.
• Extensive Coverage Options: State Farm offers diverse coverage, but options and availability vary by location. Learn more about the State Farm’s coverage options in our State Farm auto insurance review.
• Strong Financial Stability: State Farm is highly rated by A.M. Best (A++) and S&P Global Ratings (AA), offering peace of mind to policyholders.

Cons

• Higher Premiums: State Farm offers competitive rates, but high-risk drivers may face higher premiums.
• Limited Discounts: While State Farm’s discount offerings may not be as extensive as those of some other insurers, potentially limiting the opportunity to save on premiums.

#4 – Travelers: Comprehensive Coverage

Pros

• Comprehensive Coverage: Travelers offers a range of coverage options, including no-fault insurance, providing comprehensive protection. Read more about comprehensive auto insurance.
• Strong Financial Ratings: Travelers has an A.M. Best rating of A++, or “Superior,” indicating its strong operating performance. Learn more in this Travelers auto insurance review.
• Flexible Payment Options: Travelers may offer flexible payment plans, allowing policyholders to manage their premiums more effectively.

Cons

• Limited State Coverage: Travelers operates in 42 states and D.C. but is not available in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia, or Wyoming.
• Potentially Higher Premiums: Drivers with poor driving records or living in high-risk areas may face higher auto insurance premiums compared to other insurers.

#5 – Progressive: Extensive List of Discounts

Pros

• Name Your Price® Tool: Progressive’s unique tool called Name Your Price® allows customers to customize their coverage based on their budget, potentially making it easier to find affordable coverage.
• Innovative Technology: Progressive utilizes advanced technology for claims processing and customer service, enhancing efficiency and potentially leading to great savings for policyholders.
• Range of Discounts: Progressive offers various auto insurance discounts, including safe driver, multi-policy, and online quote discounts, as well as rewards programs that can help lower premiums.

Cons

• Mixed Customer Reviews: Progressive’s claims handling is generally good, but some customers report issues with communication and resolution. (Read more: Progressive auto insurance review).
• Credit-Based Rates: Progressive factors in credit scores for no-fault insurance rates, leading to higher premiums for low-credit drivers, even with a clean record.

#6 – American Family: Competitive Rates

Pros

• Customized Experience: Policyholders can seek out American Family agents for a tailored experience.
• Competitive Rates: American Family is known for its competitive rates for no-fault auto insurance customers, which can help consumers save money.
• Variety of Coverage Options: Offers a range of no-fault coverage options. Learn more in this American Family auto insurance review.

Cons

• Coverage in Select States: American Family only offers coverage in 19 U.S. states, which may not suit customers in those areas.
• Mixed Customer Satisfaction: While many customers are satisfied, some report issues with claims processing and communication.

#7 – Nationwide: Available in all U.S. States

Pros

• Nationwide Availability: Nationwide offers no-fault coverage in 47 states, excluding AK, LA, and MA, ensuring wide availability (Read more: Nationwide auto insurance review).
• Multi-Policy Discounts: Nationwide offers discounts for bundling auto insurance with other policies, potentially saving money for policyholders.
• Additional Benefits: Nationwide offers roadside assistance, rental car coverage, accident forgiveness, and SmartMiles for added value at no extra cost.

Cons

• Few Local Agents: Nationwide has a network of auto insurance agents, but some customers may find that there are fewer local agents available compared to other insurers.
• Fewer Coverage Add-ons: Nationwide may not provide as many add-on coverage options or customization features compared to some other insurers.

#8 – Farmers: Personalized Service

Pros

• Tailored Support: Farmers insurance agents provide personalized service to policyholders, helping them choose the right no-fault insurance coverage.
• Many Discounts: Farmers offers a variety of auto insurance discounts that can help policyholders save money on their no-fault auto insurance premiums.
• Solid Financial Standing: Farmers’ financial strength and stability provide reassurance to policyholders. Learn more in our Farmers auto insurance review.

Cons

• Higher Monthly Rates: Farmers’ premiums may be higher compared to some competitors, particularly for certain demographics.
• No Gap Insurance: Farmers lacks gap insurance, leaving you to cover the loan or lease balance if your car is totaled or stolen.

#9 – Allstate: Recognized Name in the Insurance Industry

Pros

• • Recognized Name: Our Allstate auto insurance review suggests that the company is a well-known and trusted insurance provider with a long history in the industry.

• Customizable Policies: Allstate offers customizable policies with a range of coverage options to suit individual needs.
• Innovative Tools: Allstate provides innovative tools and resources to help policyholders manage their insurance and claims.

Cons

• Premium Rate Increases: Allstate’s premiums may be higher for teens, seniors, low-credit drivers, and speeders.
• Mixed Consumer Ratings: According to NAIC, some customers report dissatisfaction with Allstate’s claims handling, policy cancellations, and customer service.

#10 – Liberty Mutual: Nationwide Availability

Pros

• Claim Protection: Liberty Mutual operates in all 50 states, providing accessibility to a wide range of customers.
• Broad Coverage Options: Liberty Mutual offers customizable coverage options to fit policyholders’ needs. Learn more in this Liberty Mutual auto insurance review.
• Many Savings Programs:  The company offers a telematics program called Liberty Mutual RightTrack, which allows you to earn discounts based on your driving behavior.

Cons

• Expensive for Young Drivers: Teens pay $555 per month for Liberty Mutual car insurance, but good student and college away discounts can lower rates.
• Few Agents: Customers may not have access to in-person support from local agents, and therefore may need to rely solely on online or phone support.

No-Fault Auto Insurance: Coverage Benefits & Cheapest Rates by Provider

What is no-fault coverage? No-fault insurance is often called personal injury protection (PIP) coverage and helps pay medical expenses after an accident. No-fault insurance applies to anyone in your car and works even if you caused the accident.

Many state minimum auto insurance requirements include no-fault auto insurance to pay for their medical expenses after getting injured in an accident.

Cheap No-Fault Auto Insurance Monthly Rates by Provider & Coverage Level

No-fault auto insurance rates vary by provider and coverage level. Erie offers the cheapest no-fault auto insurance, starting at $32/month for minimum coverage and $83/month for full coverage.

Geico and State Farm also provide affordable rates, while Liberty Mutual has the highest premiums at $96/month for minimum coverage. Compare providers to find the best no-fault insurance quotes for your budget.

No-fault auto insurance covers medical bills for you and your passengers, regardless of who caused the accident. It also extends to pedestrians and passengers in other vehicles. While some states require no-fault insurance, it is optional in most areas. If unavailable in your state, consider medical payments coverage instead.

Cheap No-Fault Auto Insurance Coverage

While they cover similar things, no-fault insurance covers a lot more than medical payments coverage. Coverage varies by state and company, but no-fault insurance usually covers the following:

• Medical Expenses: Covers hospital bills, doctor visits, surgeries, and rehabilitation costs.
• Lost Wages: Helps replace income if injuries prevent you from working.
• Funeral Expenses: Provides financial assistance for burial or cremation costs.
• Passenger Injuries: This covers medical costs for passengers in your vehicle.
• Essential Services: Pays for household tasks like childcare or cleaning if you’re unable to perform them due to injuries.

No-fault insurance doesn’t help pay for repairs to your vehicle, but it helps for just about everything related to medical expenses after an accident.

While it won’t pay for vehicle repairs, it ensures that you and your passengers receive necessary care without delays. Compare policies to find the best cheap no-fault auto insurance for your needs.

Top Discounts from Cheap No-Fault Auto Insurance Companies

Many cheap no-fault auto insurance providers offer discounts to help lower your premiums. Check out the table below to explore auto insurance discounts available from the cheapest no-fault insurance providers that can help reduce your auto insurance premiums.

Discounts Available by the Top Cheapest No-Fault Companies

As you can see, no-fault car insurance companies like Geico, Travelers, and Nationwide offer discounts based on factors like being a safe driver, owning multiple cars, or taking a driving safety course.

You can also get a discount for bundling auto insurance with home insurance or signing up to a usage-based program, with up to 30% savings.

States Offering No-Fault Auto Insurance Coverage

Most states require a minimum amount of insurance, but only a few require no-fault insurance. Several other states allow drivers to buy no-fault insurance but don’t require it.

Minimum Liability Auto Insurance Requirements by State

Kentucky, Pennsylvania, and New Jersey auto insurance laws allow drivers to choose between no-fault insurance and full tort liability, which changes how much you can sue another driver. Full tort liability insurance tends to be more expensive than no-fault coverage.

Several states allow the sale of no-fault auto insurance without making it mandatory. These states include Arkansas, Delaware, Maryland, New Hampshire, Oregon, South Dakota, Texas, Virginia, Washington, and Wisconsin.

While no-fault insurance is available in these states, drivers are not required to carry it. If you’re considering cheap no-fault auto insurance, check your state’s regulations to ensure availability and coverage options.

Find Cheap No-Fault Auto Insurance Today

No-fault insurance is valuable coverage that can protect you and your passengers from expensive health care bills after an accident, with rates starting at $32 per month. While it can increase your insurance rates significantly, protecting yourself from costly medical bills is worth it. Find the best auto insurance companies without penalties for no-fault accidents.

However, not all states sell no-fault insurance. An insurance representative can help you determine what’s available in your state, and comparing rates will help you find the most affordable coverage. Enter your ZIP code into our free quote comparison to find a cheap no-fault auto insurance policy for you.