10 Best Auto Insurance Companies for Cheap Personal Injury Protection (PIP) in 2024

USAA, Geico, and AAA are the best auto insurance companies for personal injury protection (PIP) because they offer low rates and generous discounts.

USAA is our top pick for cheap PIP insurance, but only military members and their families qualify for coverage. If that doesn’t apply to you, you can get cheap PIP and other types of auto insurance from Geico and AAA.

Our Top 10 Company Picks: Cheap Personal Injury Protection

Read on to explore the best places to get cheap no-fault auto insurance quotes. Then, enter your ZIP code to see how much you might pay for PIP coverage in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#1 – USAA: Top Pick Overall

Pros

• Low Rates: USAA is almost always one of the least expensive insurance options. Whether you want cheap PIP auto insurance in Florida, Hawaii, or any of the 24 no-fault states, USAA might be your best bet.
• Excellent Customer Service: USAA has a reputation for providing excellent customer service experiences, especially when it comes to claims resolution.
• Valuable Add-ons: Aside from cheap PIP car insurance quotes, USAA also offers excellent add-ons. Explore all of USAA’s additional coverage opportunities in our USAA auto insurance review.

Cons

• Membership Requirements: USAA only sells insurance to members, and you can only join if you’re an active or retired military member or a direct family member.
• No Gap Insurance: Most drivers prefer to purchase gap insurance when they have a loan or lease. Unfortunately, USAA does not offer gap insurance.

#2 – Geico: Best for Affordable Rates

Pros

• Affordability: Geico is almost always a source of cheap no-fault auto insurance, no matter what type of driver you are.
• Drivewise: With Drivewise, you can save up to 25% on your policy. See if Drivewise could help you get the best PIP car insurance in our Geico auto insurance review.
• Government Employee Discount: Geico offers 16 discounts to help you get cheap PIP insurance from Miami, Florida, to Tacoma, Washington. Government employees can find special savings from Geico.

Cons

• Limited Add-on Options: Geico lacks the selection of add-ons many of its competitors offer, including gap insurance, new car replacement, and rideshare insurance.
• Higher Rates for Some: Geico isn’t always among the cheapest insurance companies that accept PIP claims, especially if you have a DUI on your record.

#3 – AAA: Best for Roadside Assistance Options

Pros

• Roadside Assistance Plans: PIP auto coverage protects you and your passengers – protect your vehicle with one of AAA’s three roadside assistance plans.
• Member Perks: AAA offers its members a variety of perks, including discounts on hotels, travel packages, and even flower deliveries.
• Low Level of Complaints: AAA receives fewer complaints than other companies of a similar size. See why it gets so few complaints in our AAA auto insurance review.

Cons

• Regional Availability: AAA plans are managed in regional clubs. Coverage and discount options available to you may not match your expectations.
• Membership Fees: Before you can enjoy the perks of AAA, you need to purchase a membership.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#4 – State Farm: Best for Personalized Policies

Pros

• Personalized Help: State Farm has an enormous network of local agents who are ready to help you with any concern, big or small.
• Customization Options: Increase the value of your policy with State Farm’s add-on options. See what State Farm offers in our State Farm auto insurance review.
• Drive Safe & Save: Drivers looking for low-cost car insurance with PIP coverage can keep their rates down by enrolling in the UBI program Drive Safe & Save.

Cons

• Higher Rates for Teens: Although State Farm offers some of the best PIP car insurance, it has less competitive rates for tees.
• Average Customer Satisfaction Scores: State Farm may strive to provide the best customer experience possible, but not all drivers are satisfied with State Farm’s options.

#5 – Travelers: Best Customer Service

Pros

• Highly-Rated Customer Service: Travelers receives excellent reviews for its customer service. See why customers love it so much in our Travelers auto insurance review.
• IntelliDrive: Consistently practicing safe driving habits is how you earn this app’s 30% discount.
• Customizable Coverage: Travelers has a good selection of add-ons, including gap insurance and roadside assistance.

Cons

• Higher Rates: Travelers’ rates always stay towards the middle, except for drivers with low credit scores, which can be much more expensive.
• Limited Online Options: Travelers doesn’t have as many online policy management options as some of its competitors.

#6 – Progressive: Best for Innovative Digital Tools

Pros

• Name Your Price Tool: Need PIP insurance quotes on a budget? The Name Your Price tool will give you a list of coverage options that match.
• Snapshot: Enroll in Snapshot to save up to 30% on your insurance with Snapshot. Drivers should be aware that their rates can actually increase if they don’t drive safely enough.
• Coverage Options: Aside from cheap PIP car insurance, you can add things like pet insurance and custom parts and equipment coverage to your Progressive policy.

Cons

• Low Customer Loyalty: Despite having affordable rates and excellent insurance options, Progressive struggles to keep customers.
• Unexpected Rate Increase: Many Progressive customers feel their rates increased unfairly. See what customers have to say in our Progressive auto insurance review.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#7 – Nationwide: Best for UBI Savings

Pros

• SmartRide: Nationwide offers one of the best UBI discounts of any provider. You can save up to 40% by enrolling in SmartRide. Low-mileage drivers should also consider SmartMiles – learn more in our Nationwide auto insurance review.
• Good Rates for Bad Credit: It can be hard to find cheap PIP auto insurance when you have a bad credit score, but Nationwide offers affordable rates.
• On Your Side Review: Take advantage of a yearly review of your policy to ensure you’re getting the right amount of no-fault car insurance from Nationwide.

Cons

• Limited Agents: Nationwide does not have the largest network of agents, which makes it harder to get face-to-face help.
• Slow Claims: Many Nationwide customers have reported low satisfaction rates with how long it takes to resolve claims.

#8 – American Family: Best Rates for High-Risk Drivers

Pros

• Affordable for High-Risk Drivers: American Family is usually an affordable choice, especially for high-risk drivers with speeding tickets, at-fault accidents, or DUIs.
• KnowYourDrive: Save up to 20% on your American Family policy by signing up for the UBI program KnowYourDrive.
• Solid Coverage Options: It’s easy to get the coverage you need with an American Family policy. American Family offers excellent add-on options like roadside assistance and gap insurance.

Cons

• Limited Availability: America Family currently sells insurance in just 19 states. See if you live in one of those states in our American Family auto insurance review.
• Mixed Customer Satisfaction Reviews: American Family gets mixed customer satisfaction reviews which are mainly focused on the claims resolution process.

#9 – Farmers: Best for Discount Options

Pros

• Strong Financial Stability: Drivers don’t have to worry about claims going unpaid at Farmers. Farmers has an excellent rating of A from A.M. Best.
• Generous Discounts: Farmers offers cheap PIP insurance in Florida, New York, or any other no-foul state with its list of 23 discounts. See which discounts might help you save in our Farmers auto insurance review.
• Policy Customization Options: Customize your Farmers policy with add-on options like customized equipment coverage and rental car reimbursement.

Cons

• Higher-Than-Average Rates: Farmers has higher rates than the national average for nearly every type of driver.
• No Gap Insurance: Drivers with car loans or leases might want to consider a different provider as Farmers does not sell gap insurance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

#10 – Allstate: Best for Full Coverage Options

Pros

• Ample Coverage Options: Allstate offers more ways to customize your policy than just PIP insurance. Popular choices include rideshare insurance and new car replacement coverage.
• Extensive Network of Agents: Allstate offers excellent customer service by ensuring drivers get personalized help from its many representatives.
• Generous Discounts: With 12 discount opportunities, Allstate offers plenty of ways to save. Explore all of Allstate’s discount options in our Allstate auto insurance review.

Cons

• Higher Rates: When you’re looking for cheap automobile insurance, Allstate is likely not your best option. Allstate typically has some of the highest insurance rates on the market.
• Mixed Customer Reviews: Although many drivers love their policies, Allstate has its fair share of unsatisfied customers.

Understanding PIP Insurance

PIP is an auto insurance coverage that applies to a driver as well as passengers inside the car when an accident occurs. The payment made in this policy is done regardless of fault, and that’s why it’s called a no-fault policy. However, it’s a requirement that is mandatory only in a few states.

The coverage protects against emergency care medical expenses. This can be very high, especially if there is a need for hospitalization. Personal injury protection protects the holder and provides additional benefits even to those with health insurance.

One other benefit of having a PIP coverage is that the holder is even protected from lost wages. Accidents can injure people to the extent that they may require hospitalization.

This may prevent the injured person from conducting their everyday duty that earns them an income, including going to their jobs. PIP insurance covers the holder to a certain amount from the lost wages. If you’re wondering how much auto insurance you need, an insurance representative will know if PIP is part of your state’s requirements.

The good news is it’s not hard to find cheap PIP coverage. Take a look below to see PIP insurance rates from our top companies.

Personal Injury Protection (PIP) Auto Insurance Monthly Rates by Coverage Level & Provider

As you can see, adding PIP insurance to your policy doesn’t have to break the bank. However, you should still compare quotes to find affordable coverage, especially if you live in a state that requires PIP insurance.

PIP Auto Insurance Requirements

There are certain auto insurance minimums that a PIP insurance cover holder should possess. States have different laws concerning how much insurance you should carry, what an at-fault accident is, and who is responsible for covering damages after an accident.

Drivers from such states will be held liable when an accident happens in states that have a mandatory requirement for personal injury insurance. It is in the interest of a driver to ensure that they have PIP insurance in states that do not have a mandatory requirement.

This can be very helpful when a person does not have health insurance or even a limited one.

There are many types of auto insurance. The biggest difference between those types of coverage and PIP insurance is that the latter is mostly designed to cover the driver and passengers while the other coverages are meant for other people who may also be injured in an accident.

If you live in a state that requires PIP insurance, you’ll have to pay a bit more for you coverage than you might in other states. However, you can keep your rates low by finding discounts.

Most insurance discounts apply to your entire policy, not just the PIP portion.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

PIP Auto Insurance Laws

However, the auto insurance laws governing the policy vary from one state to another.

In the state of Washington, you are supposed to decline PIP coverage in writing when an accident occurs. If you fail to do so, you would be charged for medical bills at your expense. When taking the policy a person should ensure that they check the details of the policy well.

There are some PIP policies that cover the insured as well as family members.

Generally, the policy covers:

• Passengers
• Pedestrians
• Non-family members who are injured in an accident

A person injured in an accident should discuss the policy with them so that there is no misunderstanding or development of a perception that the pedestrian is working against the moves of the owner of the policy.

They should ask for relevant information that they may need, including:

• The name of the insurance company
• The telephone number of the claims’ officer
• The policy number of the holder

Before taking a PIP insurance coverage, there should be a determination of the maximum limit of the policy. But, getting quotes for PIP insurance is simple and only requires filling out a simple request form.

If you don’t want to fill out individual quote requests forms, you can use a quote comparison tool to see rates from multiple companies at once.

PIP Auto Insurance Tips

To find cheap PIP insurance, you’ll likely need to do your research and comparison shop for the best quotes with a site like ours. PIP has greater coverage than most health insurance. The policy covers the driver, relatives, and passengers in the car when an accident occurs.

If you’re involved in an incident, the claims officer should be contacted immediately, and the matter reported. The conversation may be recorded for future reference and as a record. Most insurance companies offer 24/7 support so you can navigate claims easily.

The claims’ officer will prepare the relevant documentation for processing of the coverage and ensure that needed fees are paid in relation to medical bills.

The claims file is prepared after which the insured can ask for the necessary coverage for healthcare expenses as well as lost wages.

There are several advantages that come with getting a PIP policy, which include faster medical care because healthcare expenses are paid for without regard to who was at fault. Those who don’t have the policy or medical insurance will have to look for the few medical centers that accept third-policy payments or dig into their pockets to get the required money to cover their hospital expenses.

There are different types of coverage that can be offered with PIP:

• Liability Auto Insurance
• Collision Auto Insurance
• Comprehensive Auto Insurance
• Uninsured and Underinsured Motorist Auto Insurance

Most insurance companies offer PIP coverage at very affordable rates, so all drivers have no excuse for not having it.

Shop the Best Auto Insurance Companies for Cheap PIP Insurance Today

PIP auto insurance is highly recommended for drivers who do not possess health insurance coverage, as it provides a safety net against unforeseen contingencies. Although it adds to the overall cost of your policy, knowing how to compare multiple auto insurance quotes can help you find the cheapest PIP coverage possible.

The best way to find cheap PIP coverage is to compare rates with as many companies as possible. Enter your ZIP code into our free comparison tool below to find the best rates in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption