States Using a No-Fault Insurance System
Twelve states are using a no-fault insurance system: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. If you live in a no-fault insurance state, scroll down for state insurance guides and compare no-fault car insurance quotes for free to get the best rates.
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UPDATED: Jul 16, 2021
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No fault car insurance is a system where each driver involved in an accident is compensated by their own insurance company regardless of who was found to be at-fault in the accident. (What is No Fault Insurance?) There are currently 12 states in the United States that follow the rules of a no fault system.
- Florida (Florida Insurance Guide)
- Hawaii (Hawaii Insurance Guide)
- Kansas (Kansas Insurance Guide)
- Kentucky (Kentucky Insurance Guide)
- Massachusetts (Massachusetts Insurance Guide)
- Michigan (Michigan Insurance Guide)
- Minnesota (Minnesota Insurance Guide)
- New Jersey (New Jersey Insurance Guide)
- New York (New York Insurance Guide)
- North Dakota (North Dakota Insurance Guide)
- Pennsylvania (Pennsylvania Insurance Guide)
- Utah (Utah Insurance Guide)