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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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

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.

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