Best PIP Insurance

The best way to find cheap PIP insurance is to shop around and compare quotes from several insurers in your state. The personal risk factors that can affect how much you pay for PIP (personal injury protection) are the same ones that affect the pricing of any type of auto insurance. These include your claims history, credit history, location, driving record, age, and gender. As with all types of insurance, different insurance companies weigh each factor differently, resulting in a range of prices. That's why you need to compare quotes to find cheap PIP insurance for your situation.

However, the primary factors that can make PIP expensive are beyond your control. State law sets minimum and maximum coverage limits for PIP in your location, and that's a huge part of determining premiums. For example, PIP will naturally be more expensive in a state that requires unlimited coverage for lifetime medical costs related to an accident than in one with low mandatory limits.

Another key factor that affects the cost of PIP insurance in some states is the prevalence of fraud. PIP is a common target of fraud, with people often faking accidents or falsifying medical claims to get payouts they don't deserve. In states with a large amount of PIP fraud, like Florida and Michigan, the costs associated with that fraud get passed on to policyholders in the form of higher premiums.

You need personal injury protection (PIP) insurance if you live in one of the 12 states that require it. You should also get PIP if your health insurance has low coverage limits or if you drive with passengers who could hold you responsible for their medical expenses in the event of an accident.

In the 20 states (plus Washington, D.C.) where it is required or offered as optional protection, PIP covers medical expenses for the policyholder and his or her passengers after an accident, no matter who was at fault. However, PIP is not available at all in the 30 other states.

Always check with your insurance company or an agent for specifics on what coverage is required or available in your state before you determine what to include in your policy.

What Does PIP Cover?

• Ambulance fees
• Health insurance deductibles
• Medical treatments
• Surgery
• Rehabilitation
• Prescriptions
• Lost wages
• Home care such as cleaning or child care
• Funeral costs

If you are in a car accident, PIP often works in conjunction with your health insurance coverage. Most health insurance deductibles must be paid before benefits start to be paid out, but your PIP may have a cheaper deductible, or no deductible at all.

How Does PIP Work With MedPay?

PIP insurance may overlap with another kind of car insurance known as Medical Payments, or MedPay. Like PIP, MedPay covers the costs of medical care resulting from of an accident, no matter who was at fault. Also like PIP, MedPay covers injuries to any passengers in your car. However, it does not pay for lost wages, rehabilitation or home-care services, which PIP would cover.

The way PIP and MedPay may work together depends on your state's laws. If you live in one of the 12 states that require PIP, MedPay could be redundant. State limits on PIP vary widely, from $3,000 in Utah to New York's $50,000 requirement. If your state has a low upper limit on PIP, MedPay coverage could act as a beneficial supplement. In a couple states – namely, Maine and New Hampshire – MedPay is used instead of PIP.

Yes, Geico offers personal injury protection car insurance in the 13 states where it is required and the 8 states where it is optional. Personal injury protection (PIP) is a type of insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance.

Geico PIP Insurance Can Cover:

• Medical bills
• Lost wages
• Child care expenses
• Nursing care, medical supplies, and prescriptions
• Funeral expenses

The details of Geico personal injury protection will depend on your state and policy. For instance, in states like Florida, PIP will pay the majority of qualifying medical bills, but policyholders will need to pay out of pocket for a small percentage of their expenses. However, personal injury protection is still considered a good investment because using health insurance to cover car accident injuries usually involves more out-of-pocket expenses.

If you've been in a car accident and need to file a PIP claim with Geico, you can file a claim by calling 800-841-3000, using the company's website, or using the mobile app. Coverage may also extend to your household members and passengers. For more information, check out WalletHub's guide to personal injury protection.

Yes, Travelers offers personal injury protection car insurance in the 13 states where it is required and the 8 states where it is optional. Personal injury protection (PIP) is a type of insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance.

Travelers PIP Insurance Can Cover:

• Medical bills
• Lost wages
• Child care expenses
• Nursing care, medical supplies, and prescriptions
• Funeral expenses

The details of Travelers personal injury protection will depend on your state and policy. For instance, in states like Florida, PIP will pay the majority of qualifying medical bills, but policyholders will need to pay out of pocket for a small percentage of their expenses. However, personal injury protection is still considered a good investment because using health insurance to cover car accident injuries usually involves more out-of-pocket expenses.

If you've been in a car accident and need to file a PIP claim with Travelers, you can file a claim by calling 800-252-4633, using the company's website or using the mobile app. Coverage may also extend to your household members and passengers. For more information, check out WalletHub's guide to personal injury protection.

Yes, Liberty Mutual offers personal injury protection car insurance in the 13 states where it is required and the 8 states where it is optional. Personal injury protection (PIP) is a type of insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance.

Liberty Mutual PIP Insurance Can Cover:

• Medical bills
• Lost wages
• Child care expenses
• Nursing care, medical supplies, and prescriptions
• Funeral expenses

The details of Liberty Mutual personal injury protection will depend on your state and policy. For instance, in states like Florida, PIP will pay the majority of qualifying medical bills, but policyholders will need to pay out of pocket for a small percentage of their expenses. However, personal injury protection is still considered a good investment because using health insurance to cover car accident injuries usually involves more out-of-pocket expenses.

If you've been in a car accident and need to file a PIP claim with Liberty Mutual, you can file a claim by calling 800-225-2467, using the company's website, or using the mobile app. Coverage may also extend to your household members and passengers. For more information, check out WalletHub's guide to personal injury protection.

Yes, State Farm offers personal injury protection car insurance in the 13 states where it is required and the 8 states where it is optional. Personal injury protection (PIP) is a type of insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance.

State Farm PIP Insurance Can Cover:

• Medical bills
• Lost wages
• Child care expenses
• Nursing care, medical supplies, and prescriptions
• Funeral expenses

The details of State Farm personal injury protection will depend on your state and policy. For instance, in states like Florida, PIP will pay the majority of qualifying medical bills, but policyholders will need to pay out of pocket for a small percentage of their expenses. However, personal injury protection is still considered a good investment because using health insurance to cover car accident injuries usually involves more out-of-pocket expenses.

If you've been in a car accident and need to file a PIP claim with State Farm, you can file a claim by calling 800-732-5246, using the company's website, or using the mobile app. Coverage may also extend to your household members and passengers. For more information, check out WalletHub's guide to personal injury protection.

Yes, Farmers offers personal injury protection car insurance in the 13 states where it is required and the 8 states where it is optional. Personal injury protection (PIP) is a type of insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance.

Farmers PIP Insurance Can Cover:

• Medical bills
• Lost wages
• Child care expenses
• Nursing care, medical supplies, and prescriptions
• Funeral expenses

The details of Farmers personal injury protection will depend on your state and policy. For instance, in states like Florida, PIP will pay the majority of qualifying medical bills, but policyholders will need to pay out of pocket for a small percentage of their expenses. However, personal injury protection is still considered a good investment because using health insurance to cover car accident injuries usually involves more out-of-pocket expenses.

If you've been in a car accident and need to file a PIP claim with Farmers, you can file a claim by calling 800-435-7764, using the company's website, or using the mobile app. Coverage may also extend to your household members and passengers. For more information, check out WalletHub's guide to personal injury protection.

Car insurance for a new driver in Wyoming costs an average of $35 to $112 per month or $416 to $1,342 annually. Auto insurance premiums for new drivers in Wyoming vary widely depending on a driver's age and whether they are being added to an existing policy or purchasing their own. For example, the premium increase from adding a teenager to a parent's policy is significantly less than the cost of a teenager getting their own policy.

Average Cost of Car Insurance for New Drivers in Wyoming

Note: Premiums are representative of a 16-year-old good driver with a minimum coverage policy; individual premiums will vary. 

New drivers aren't only teens and those in their early 20's. A new driver could be an adult who got their license later in life, a recent immigrant, or anyone who has a long gap in their driving or insurance history. For these types of new drivers in Wyoming, insurance rates will still likely be higher than the average of $23 per month for an experienced adult.

A new driver's lack of experience can classify them as high risk. Once new drivers get a bit more practice and have a proven track record of safe driving, however, they'll begin to see their rates decrease. To learn more about minimizing the cost of car insurance in Wyoming, check out WalletHub's picks for the cheapest Wyoming car insurance companies. 

The twelve states that require PIP insurance, also known as personal injury protection, are Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Of these states, 11 are “no-fault” states. Pennsylvania law requires drivers to purchase $5,000 in medical benefits, but does not mention PIP specifically. PIP coverage is also available, but optional, in seven additional states, plus the District of Columbia.

PIP States

PIP insurance covers medical expenses for you and your passengers after an accident, no matter who is at fault. These expenses include ambulance fees, medical and surgical treatments, and prescriptions. PIP can also reimburse you for lost wages, home care expenses, and even funeral expenses.

Your insurance rate probably won't go up if you use PIP coverage. Whether or not your insurance costs go up depends on who is at fault in the accident that leads to the use of PIP. When you are not at fault and you make a PIP claim, you will receive payment from either your insurance company or the other driver's insurance, and your rate will not increase.

However, if you are found to be at fault in an accident after which you use your PIP, your insurance rate will likely increase, in most states. This is because most insurance companies reassess policy holders' records consistently to analyze risk. If you are involved in a car accident and you are found to be at fault, the insurance company will consider you a higher risk driver than before and will likely increase your premium as a result. The amount your rate might increase will mostly depend on your insurance company.