UPDATED: May 24, 2021

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Written By: Leslie KasperowiczReviewed By: Sara RouthierUPDATED: May 24, 2021Fact Checked

The first thing to understand about no fault auto insurance is that this is one type of insurance that varies completely, depending on the state where you live.

While some states require no fault insurance, others do not. So, where you live will determine whether you are required to carry it or if you have the choice to do so.

The thing to keep in mind is that this can be a valuable type of insurance to carry regardless of whether you are required to or not. Also regulations can change quickly, so to ensure the lists included here are up-to-date check with an insurance agent or with your local Department of Motor Vehicles before getting a new auto insurance policy to make sure the same rules still apply.

Where Does Your State Come into Play?

Where you reside will help determine whether you need to carry no fault auto insurance or if you have the option. This is especially important if you have recently moved to a new state and have not yet familiarized yourself with the regulations of that state. Please check your state’s government website in regards to what the current standing is before making any decisions about your insurance.

Currently some of the states that have left no fault car insurance as an optional policy include:

Understanding No Fault Car Insurance

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

So for some of those states which do presently require no fault insurance policies for all drivers:

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

What It All Means

It can be a little tricky to understand no fault insurance, but there are some general things to know. Aside from these, the agent you work with to secure your no fault auto insurance can help make sure you truly comprehend what you are getting with this type of coverage. Here are some basics to know:

  • Under the no fault laws the car insurance you cover covers your damages while other drivers are covered by their own insurance providers regardless of whose fault the accident was.
  • This ensures both sides are covered for damage or personal injury without the need for one driver to sue another.
  • This does not entirely eliminate the need for lawsuits in some instances depending on the details of the situation.
  • One main benefit from requiring no fault insurance is that any injured driver or passenger must be treated for injury. No one can be denied medical treatment due to a lack of medical insurance coverage.
  • More than likely you have either heard of no fault insurance, Personal Injury Protection (PIP) or both. You may not have realized they were one and the same however.

Whether or not your state requires it, you should consider getting no fault insurance. Just fill in your zip code and get access to free no fault car insurance quotes for your area today.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Reviewed by Sara Routhier
Director of Outreach Sara Routhier