Best Personal Injury Protection (PIP) Car Insurance Companies (2021)

Sometimes called no-fault insurance, many drivers buy personal injury protection (PIP) insurance because it covers them regardless of who is to blame for an accident, if they riding their bike, or even riding in someone else's vehicle. . The best personal injury protection (PIP) auto insurance companies will cover your medical bills and pay for your lost earnings. PIP may be optional or mandatory depending on what state you live in.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Feb 11, 2022

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The Highlights

  • Personal injury protection (PIP) car insurance is also known as no-fault insurance
  • PIP insurance can cover your medical costs and a loss in salary after an accident, no matter whose fault it was
  • Only 16 states require PIP insurance
  • Filing a PIP claim requires that you carefully follow your insurance company’s rules and timeline

There are a number of things you should know if you are comparing car insurance companies that provide personal injury protection (PIP) auto policy.

This type of policy can pay for your hospital bills and other expenses after an accident. However, it only covers you. PIP can be similar to health coverage, but in some situations, you should have both.

If you’re looking for the best personal injury protection (PIP) auto insurance companies, this guide is here to tell you everything you need to know.

You don’t have to wait to buy personal injury protection (PIP) car insurance; get free personal injury protection (PIP) car insurance rates from the top companies in your area simply by entering your ZIP code now.

Companies That Offer Personal Injury Protection (PIP) Coverage

Several car insurance companies offer PIP auto insurance policy, depending on what state you live in. Companies like GEICO, Liberty Mutual, and Travelers Insurance are all well-known PIP providers.

The best thing to do is compare companies. You can do this by reading reviews like GEICO insurance reviews on the pros and cons of each insurance company.

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What is Personal Injury Protection (PIP) coverage auto insurance?

Personal injury protection (PIP) car insurance is also known as no-fault insurance. If you (or anyone in your vehicle) are harmed in a car accident, it will pay your medical fees and possibly any salary you lose from time off work.

It also covers you when you’re not the driver in an accident — for example, if you are in someone else’s car as a passenger, or a car hits you while you’re out walking. The key word to remember in PIP is “personal.” This insurance pays for your costs and your costs only.

Does my state require Personal Injury Protection (PIP)?

Since PIP is commonly known as “no-fault” insurance, it should come as no surprise that the states that make it mandatory to have PIP are mostly no-fault states.

This means that even if a driver is not at fault, they will still have to cover their own medical bills if an accident happens and they get hurt. You cannot even sue the other driver unless your injuries are severe.

In states like these, personal injury protection coverage is a must so that your insurance provider can give you a payout for your medical claim. Here is a list of legal PIP requirements; check to see if your state requires it or not.

Personal Injury Protection Requirements by State
StateRequires Personal Injury Protection Coverage
AlabamaNo
AlaskaNo
ArizonaNo
ArkansasYes
CaliforniaNo
ColoradoNo
ConnecticutNo
DelawareYes
District of ColumbiaNo
FloridaYes
GeorgiaNo
HawaiiYes
IdahoNo
IllinoisNo
IndianaNo
IowaNo
KansasYes
KentuckyYes
LouisianaNo
MaineNo
MarylandYes
MassachusettsYes
MichiganYes
MinnesotaYes
MississippiNo
MissouriNo
MontanaNo
NebraskaNo
NevadaNo
New HampshireNo
New JerseyYes
New MexicoNo
New YorkYes
North CarolinaNo
North DakotaYes
OhioNo
OklahomaNo
OregonYes
PennsylvaniaYes
Rhode IslandNo
South CarolinaNo
South DakotaNo
TennesseeNo
TexasYes
UtahYes
VermontNo
VirginiaNo
WashingtonNo
West VirginiaNo
WisconsinNo
WyomingNo
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Even if your state has mandatory PIP coverage, you still need to figure out what coverage is right for you.

How much Personal Injury Protection (PIP) coverage do I need?

There are plenty of benefits to buying personal injury protection coverage. Most insurers will offer you a policy option at an extremely low cost. If you are looking for an affordable car insurance option, there’s no reason why you shouldn’t consider PIP as a top choice to protect yourself.

If you compare it to typical health insurance policies, for example, PIP provides more coverage. You also get speedier medical treatment, since your costs will be covered regardless of who was to blame for an accident.

Don’t have health insurance coverage? Then it’s strongly recommended that you get PIP coverage so you have peace of mind in the event of an accident. You can choose a policy that covers bodily injury liability, collision coverage, and even personal damage liability.

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What doesn’t Personal Injury Protection (PIP) cover?

If you are undecided about if PIP is for you, it could help to know what it doesn’t cover. The following aren’t covered by PIP:

  • Medical expenses that exceed your coverage limits
  • Any damage from an accident that affects other people’s property
  • If your vehicle is stolen
  • Damage to your car sustained in an accident

To help protect from the above you can add additional coverage like a bodily injury policy, property damage liability coverage, underinsured motorist coverage, or uninsured motorist coverage.

You do have alternatives. For example, if your medical bills are higher than the coverage limits, you can sue the person responsible for personal injury. If your car is stolen, you can get paid if you buy a comprehensive coverage car insurance policy.

How to Collect Personal Injury Protection (PIP) Insurance

If you’re involved in an accident, contact the claims officer right away. The quicker you report, the better. You can even make a copy of the chat so that there is a record.

Read your insurance company’s claim process so you know exactly what to do in case you’re harmed in an accident.

The alternative when you don’t have PIP is to look for the money for medical expenses and pay them out of pocket.

The best way to get personal injury protection (PIP) car insurance quotes is by getting a personalized rate for you.

Our free tool makes it easy by giving you PIP car insurance rates right away. All you have to do is enter your ZIP code and you’ll get quotes from top insurance companies near you.

Frequently Asked Questions: Best Personal Injury Protection (PIP) Car Insurance Companies

Have more questions about PIP insurance? Here are the answers.

#1 – What are the states that require personal injury protection (PIP) car insurance?

A total of 16 states (and Puerto Rico) require PIP.

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

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