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Does cheap no-fault auto insurance exist?

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Things to Remember...

  • A no-fault policy is less stressful than a tort policy because involving courts always takes more time and energy
  • Many tort policy providers do advocacy and legal work to ensure that the other policy provider has to pay the bill
  • No-fault policies are not necessarily more expensive than tort policies

No-fault insurance is often considered by many experts to be more expensive than tort insurance because no payments for damages are received from lawsuits. If you get into an accident, the automobile insurance company for which you sign up is on the hook for the full amount.

If you happen to live in a no-fault state, you may feel as though you got the short end of the deal because you can’t sue for damages if someone is determined to be at fault in an accident.

There are two ways to go about this task. You could spend about half an hour on ten different sites, comparing and contrasting various options and spending an entire day on the project. Luckily for you, we save you time by allowing you to compare and find cheap auto insurance!

Cheap no-fault auto insurance does exist; you just have to find it. Let us help you find your no-fault insurance policy today! Enter your zip code in the box above to get started!

More Information on No-Fault Auto Insurance

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No-fault insurance differs from tort insurance in several key ways, which are:

  • Your policy provider pays for your insurance rather than the policy provider of the driver determined to at fault
  • Reduced ability to sue other drivers for damages resulting from auto accidents
  • Protection from being sued for damages by other drivers

A no-fault policy is less stressful than a tort policy because involving courts always takes more time and energy. However, it can be more stressful, because you have to worry about making sure that you don’t get into an accident on the road.

It’s everyone for himself or herself out on the road, and defensive driving is more of a necessary skill in a no-fault state than following the official rules of the road.

Additionally, no-fault policies are not necessarily more expensive than tort policies. Many tort policy providers do a lot of advocacy and legal work to ensure that the other policy provider has to pay the bill, but this work costs money.

Check the auto insurance minimums in your state to insurance you are properly insured.

Any money saved by a lawsuit comes out of that legal budget, and if you consider that each policy provider has about the same number of accident-causers who incur liability for the company, that legal budget is just extra work.

Tort providers may end up costing more money overall than no-fault providers.

In any case, whether you are getting a no-fault or a tort insurance policy, you will pay significantly less for your premiums if you stay out of accidents and keep your driving record clean.

These include significant financial duress, critical injury or other severe results from an accident. The differences between no-fault and tort insurance, when it comes to how you should handle yourself on the road and the premiums you pay, are minimal at best.

In other words, it’s not about whether your state is tort or no-fault. It’s about whether your auto insurance policy is a good deal or not.

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States that Offer No-Fault Insurance

There are three categories of insurance provider: “true” no-fault, “add-on” no-fault, and tort. Additionally, three states offer what is known as “choice” no-fault, which gives you the option of signing up for the state’s true or add-on no-fault plan, or to a tort plan.

The states that offer true no-fault insurance are:

  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New Jersey
  • New York
  • North Dakota
  • Pennsylvania
  • Utah
  • Puerto Rico

The states that offer “add-on” no-fault insurance, which consists of tort insurance with a few elements of the no-fault system are:

  • Arkansas
  • Delaware
  • Washington, DC
  • Maryland
  • New Hampshire
  • Oregon
  • South Dakota
  • Texas
  • Virginia
  • Washington
  • Wisconsin

The three states with a choice no-fault system are:

  • Washington, DC
  • Kentucky
  • New Jersey

Personal Injury Protection (PIP) Policies and No-Fault Insurance

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PIP policies tend to be more expensive than standard insurance policies. No-fault insurance states always mandate PIP plans; this is the reason that cheap no-fault auto insurance plans are difficult to find.

Personal Injury Protection will cover most injury-related expenses that result from an auto accident. These include doctor’s bills, hospital costs, lost wages, funeral expenses and other compensation.

This includes elements of personal medical, life and employment insurance, and it can be an expensive part of your insurance plan.

However, certain PIP plans have higher limits than others. Depending on how much or how little the plan covers, your auto insurance premiums may be significantly higher or lower.

Don’t Forget

Each state does no-fault insurance differently. Each company offers different deals to try to attract consumers like you to buy their products.

Depending on your unique situation, some deals will be more enticing than others. You can’t trust everything you hear about certain companies, plans or promotions. We will do the research for you and send it all back in an easy-to-compare format.

Use our price comparison tool to start saving on cheap no-fault car insurance today! We will help you find the cheapest auto insurance for FREE! Enter your zip code below to compare affordable auto insurance quotes!

FREE Auto Insurance Comparison

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