Personal Injury Protection (PIP) Insurance
Personal injury protection insurance pays for medical costs and other accident expenses regardless of who is at fault. Personal injury protection car insurance required in 17 states, and it's available from most auto insurance companies. Also, personal injury protection auto insurance covers attorney fees, lost wages, and child care expenses. The average personal injury protection rates nationwide are $175/month, but shopping around can find you a better rate.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jan 4, 2021
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- Personal injury protection (PIP) insurance pays for injuries, lost wages, and other costs after an accident.
- Most states require PIP insurance.
- PIP insurance is also called No-Fault insurance.
Personal injury protection is an auto insurance coverage that pays for bodily injuries and other wages after an accident. The best companies in the United States offer PIP insurance, whether it’s required or not.
Our guide will give you the tools you need to understand personal injury protection, how it works, and where to find cheap PIP insurance from the best companies.
Enter your ZIP code in the free comparison tool above to companies with affordable personal injury protection auto insurance rates.
What is personal injury protection (PIP)?
Personal injury protection (PIP), part of a no-fault auto insurance coverage system, is an auto insurance coverage that pays for bodily injury regardless of who’s at fault.
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How does personal injury protection work?
PIP insurance works like liability car insurance for the driver who’s at fault in an accident. Usually, an at-fault driver would be liable for bodily injury and property damage to the other party.
Your car insurance provider will compensate you for any bodily injuries and other costs due to an accident under personal injury protection coverage.
What does personal injury protection cover?
PIP insurance covers bodily injury due to an accident, but PIP also pays for lost wages, child care expenses, and even attorney fees. Personal injury protection covers any cost that has inconvenienced your finances in some way.
However, your auto insurance company won’t pay over the limits you set at the beginning of the policy. If you have the minimum auto insurance requirement limits, your auto insurance companies will not pay over those amounts.
Continue reading to learn more about the states with PIP insurance under their minimum requirements for car insurance.
Where is PIP insurance required?
Personal injury protection is part of liability car insurance in most states. This section explores which states have PIP auto insurance in their list of minimum requirements.
States that Require PIP Auto Insurance
Here’s a list of states that require PIP insurance.
| State | Minimum BI & PD Liability Limits | Required Insurance Policies |
|---|---|---|
| Arkansas | 25/50/25 | BI + PD Liability, PIP |
| Delaware | 25/50/10 | BI + PD Liability, PIP |
| Florida | 10/20/10 | BI + PD Liability, PIP |
| Hawaii | 20/40/10 | BI + PD Liability, PIP |
| Kansas | 25/50/25 | BI + PD Liability, PIP |
| Kentucky | 25/50/25 | BI + PD Liability, PIP, UM, UIM |
| Maryland | 30/60/15 | BI + PD Liability, PIP, UM, UIM |
| Massachusetts | 20/40/5 | BI + PD Liability, PIP |
| Michigan | 20/40/10 | BI + PD Liability, PIP |
| Minnesota | 30/60/10 | BI + PD Liability, PIP, UM, UIM |
| New Jersey | 15/30/5 | BI + PD Liability, PIP, UM, UIM |
| New York | 25/50/10 | BI + PD Liability, PIP, UM, UIM |
| North Dakota | 25/50/25 | BI + PD Liability, PIP, UM, UIM |
| Oregon | 25/50/20 | BI + PD Liability, PIP, UM, UIM |
| Pennsylvania | 15/30/5 | BI + PD Liability, PIP |
| Texas | 30/60/25 | BI + PD Liability, PIP |
| Utah | 25/65/15 | BI + PD Liability, PIP |
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If you don’t see your state listed, it’s okay. More than likely, the auto insurance companies in your area will have personal injury protection available.
It may increase your auto insurance rates if you add it to your policy. Ask about discounts before you make any payments to your car insurance.
A good or excellent credit score can lower your rates, also. How so? According to Experian, customers with good credit scores correlate to low risk in the auto insurance industry.
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Auto Insurance Companies that have PIP Insurance
What companies offer cheap PIP auto insurance? The best companies that provide PIP insurance are:
- Allstate
- USAA
- GEICO
- Nationwide
- State Farm
- Farmers
- Liberty Mutual
- Progressive
- Travelers
- American Family
Smaller car insurance companies may offer personal injury protection at a much cheaper rate, also. Compare personal injury protection auto insurance quotes here to find out which company in your area has the most affordable rates.
How much does personal injury protection cost?
It varies. Like all insurance, rates depend on your driving history and other factors that insurance companies use to determine your rates. PIP auto insurance costs will also depend on how much coverage you select.
The average cost of PIP insurance nationwide is $175.51, according to the NAIC.
This average is skewed by Michigan’s incredibly high PIP insurance rates at more than $666 a month on average. The cheapest average is found in Arkansas at just over $16 a month.
PIP Insurance vs. Medical Payments (MedPay)
Personal injury protection pays for bodily injury and other costs, but it may not pay for some medical bills. However, a policyholder with medical payments (MedPay) coverage on their policy could get help.
MedPay will cover medical bills (such as x-rays and other medical services) that you accumulate after an accident.
Personal Injury Protection Insurance vs. Health Insurance
Although PIP insurance can pay for bodily injury due to an accident, it’s not a substitute for health insurance. After a PIP insurance claim has been resolved, your auto insurance provider won’t continue paying for sustaining injuries.
What does that mean? If you get injured in the accident, the auto insurance company will pay for your lost wages and medical bills. Once you’ve recovered to the point where you can return to normal, the car insurance provider won’t cover other injuries outside of the accident.
However, any claims that you haven’t filed are under a statute of limitation. If you haven’t filed a claim, you have at least one year to file a claim.
Under health insurance, you don’t have to wait until something happens. Your health insurance policy will cover you for preventative care and pay a portion of your medical bills.
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Frequently Asked Questions: Personal Injury Protection
Before we go, we’ll answer a few questions about PIP insurance. If you’re eager to compare and buy personal injury protection, enter your ZIP code in the free online quote tool below.
#1 – Does PIP insurance or health insurance cover bodily injuries after an accident?
Yes. Both PIP insurance and health insurance cover bodily injury. However, you should file a PIP claim with your auto insurance provider after a car accident.
#2 – How do you file a personal injury protection claim?
Call your car insurance provider and tell them you want to file a claim. They ask you a few questions about when the accident happens, the injuries you have, and your insurer will give you a claim number.