Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 28, 2021

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Key Takeaways

  • Some of the best personal injury protection (PIP) car insurance companies include GEICO, Liberty Mutual, Travelers, State Farm, Progressive, Farmers, and Kemper
  • PIP insurance covers medical expenses and rehabilitation costs for you and other passengers in the same vehicle after an accident
  • PIP insurance is only available in the states in which it is required or optional

After an accident, medical expenses and rehabilitation costs can become very expensive. Having the right car insurance coverage can guarantee you’re covered for some or all of these expenses, instead of paying for them out of pocket.

Whether PIP is required in your state or you’re just considering buying it for personal reasons, understanding who offers the best products is important. We’ve listed some of the best personal injury (PIP) car insurance companies below.

For free personal injury protection (PIP) car insurance quotes, enter your ZIP code into our free quote comparison tool above.

What are the best personal injury protection (PIP) car insurance companies?

Personal injury protection (PIP) car insurance coverage is offered by many major car insurance companies. However, some companies will offer lower rates and better quality products.

Below are some of the best PIP car insurance companies:

GEICO

GEICO offers PIP in every state where it is required for low rates. GEICO also has a strong reputation for good customer service and an easy claims process.

Liberty Mutual

Liberty Mutual also offers some of the most affordable PIP insurance in the states where it is required. Liberty Mutual also has a reliable financial strength history.

Travelers

Travelers‘ PIP insurance may be a bit more expensive than other companies. However, it is known for its great customer service, which makes the higher rate worth it.

State Farm

As one of the largest insurance companies in the U.S., State Farm offers affordable personal injury protection car insurance and plenty of resources for policyholders. Filing claims is easy since you have the option of doing it online, with your agent, or on the company’s app.

Progressive

Progressive is another major car insurance company that provides affordable PIP car insurance. It operates throughout the country, making it easily accessible.

Farmers

Farmers has PIP car insurance available in every state that requires it except Hawaii. The company also has a variety of other car insurance add-ons, so customizing your policy is simple.

Kemper

If you’re a high-risk driver and need personal injury protection, Kemper offers different types of car insurance coverage that are specifically tailored to drivers with a bad driving record.

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What is personal injury protection (PIP) car insurance?

PIP coverage auto insurance is also known as no-fault insurance. It covers medical expenses and other costs for you and passengers in the same vehicle as you. It will follow you, so if you are a passenger in another vehicle or are hit by a car while not in a car, you will still be covered.

It may sound similar to bodily injury liability or medical payments (MedPay) coverage. However, there are differences.

PIP differs from bodily injury liability in that it does not cover the passengers in another vehicle. Bodily injury liability is meant to provide coverage for other parties injured in an accident caused by you, while PIP covers you and other passengers regardless of fault.

PIP differs from MedPay coverage in that it will cover a wider variety of costs than MedPay.

Some of the expenses covered by PIP insurance will vary by state. In general, it will cover medical expenses and rehabilitation costs after an accident.

This could include hospitalizations, surgeries, ongoing care, lost wages, funeral expenses, and some home care (childcare, cleaning, etc.).

If you’re wondering how to collect PIP insurance, it is similar to the claims process for other types of insurance. However, if you need ongoing care, you may need to review your treatment plan with a medical provider or outsourced claims processor of your insurance company’s choosing.

Your PIP insurance typically acts as primary coverage over other car insurance or liability policies. However, if your medical expenses exceed your policy limit, you can file a claim with another driver’s insurance company or file a lawsuit.

How much does PIP coverage cost?

Below are the average annual personal injury protection car insurance rates from the companies listed above:

Average Annual Personal Injury Protection (PIP) Rates by Company
CompanyAverage Annual Personal Injury Protection (PIP) Rates
Farmers$861
GEICO$295
Kemper$699
Liberty Mutual$307
Progressive$1,195
State Farm$699
Travelers$633
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The table shows how widely PIP rates can vary. Your rates will change based on what state you live in, how much coverage you buy or is required by your state, and the company you choose.

Some PIP policies will also come with a deductible, which you may be able to adjust to change your monthly rates.

Should I buy personal injury protection (PIP) car insurance?

Personal injury protection is not available in every state. It is only available in the states in which it is required or optional. These states are listed below.

Personal Injury Protection (PIP) Requirements by State
StatePIP Requirements
Delaware$15,000 per person
$30,000 per accident
District of ColumbiaOptional
Florida$10,000
Hawaii$10,000
Kansas$9,000
Kentucky$10,000
Maine$2,000 per person
Maryland$2,500
Massachusetts$8,000 per person
Michiganunlimited
Minnesota$20,000 for medical expenses
$20,000 for non-medical expenses
New HampshireOptional
New Jersey$15,000
New York$50,000
North Dakota$30,000 per person
Oregon$15,000 per person
Pennsylvania$5,000 per person
South DakotaOptional
TexasOptional
Utah$3,000 per person
VirginiaOptional
WashingtonOptional
WisconsinOptional
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Therefore, if you live in one of the states in which PIP is required, you must purchase the minimum levels of PIP coverage to legally drive.

If you live in a state where PIP insurance is available but not required, you may want to consider purchasing it if you want to avoid paying for medical expenses or other rehabilitation costs out of pocket.

How much PIP coverage do I need? If you already have a very strong health insurance plan, you may not need to purchase a large amount of PIP insurance. Therefore, the required state minimum may be enough.

However, if your health insurance does not cover all of the expenses of rehabilitating after a bad accident, you may want to consider purchasing the most coverage that you can afford.

Enter your ZIP code into our free quote comparison tool below to find a personal injury protection car insurance company near you.