MDA Top Test 2 – Company Cards

Cheapest for Drivers Over 60: AAA

2,934 reviews

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4.1

Company Facts

Avg. Monthly Rate for Age 60 & Above

$31

A.M. Best Rating

A+ (Superior)

Complaint Level

Med

Pros & Cons

• Multiple discounts available for members
• Bundling options
• AAA member perks
• Superior financial strength rating
• Roadside assistance coverage included
• Coverage options for liability, collision, and comprehensive insurance

• Expensive rates
• Below-average scores for customer service and the handling of claims
• Not available in all states or areas
• AAA membership required for purchasing car insurance

» AAA Auto Insurance Review

2,934 reviews

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2nd Cheapest for Age Over 60: State Farm

6,435 reviews

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4.7

Company Facts

Avg. Monthly Rate for Age 60 & Above

$32

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Offers multiple products including financial services and banking
• High customer satisfaction and financial ratings
• Rates are lower than average
• Coverage is available in all 50 states
• Easy-to-use mobile app

• Coverage isn’t available to everyone
• DUIs drastically increase rates
• SafePilot isn’t available in every state
• Customer complaints are higher than competitors

» State Farm Auto Insurance Review

6,435 reviews

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3rd Cheapest for Age Over 60: Travelers

1,731 reviews

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4.1

Company Facts

Avg. Monthly Rate for Age 60 & Above

$36

A.M. Best Rating

A++ (Superior)

Complaint Level

Low

Pros & Cons

• One of the largest U.S. car insurance companies.
• Travelers is available in all 50 states and Washington D.C., so you don’t have to switch car insurance companies when you move.
• Multiple coverage options for car insurance. Travelers provides a wide range of coverages for auto insurance.
• Travelers’ average car insurance premium is below the national average.

• Travelers IntelliDrive program can raise rates. One of Travelers’ auto insurance discount programs can raise drivers’ rates if they score poorly on the app.
• Travelers’ reviews show below-average customer service. Poor customer service can make dealing with a company a hassle when filing claims.
• Rideshare insurance is only available in two states.

» Travelers Auto Insurance Review

1,731 reviews

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Read on to learn more about no-fault car insurance to determine if you really need it. Then, enter your ZIP code into our free quote comparison above to find the right no-fault auto insurance policy for you.

No-Fault Auto Insurance Defined

What is no-fault coverage? No-fault insurance is often called personal injury protection (PIP) coverage and helps pay medical expenses after an accident. No-fault insurance applies to anyone in your car and works even if you caused the accident.

So, how does no-fault insurance work? No-fault insurance covers medical bills whenever you or your passengers are injured in a collision. Some insurance types only cover damage when a specific person is responsible. For example, your liability auto insurance only covers damage you cause to other drivers. It doesn’t pay for your car if someone hits you.

No-fault insurance pays for medical expenses no matter what happens. If you or one of your passengers is injured in any collision, your no-fault insurance has you covered. No-fault coverage extends to injuries sustained as a passenger in other cars and if you’re a pedestrian hit by a vehicle.

In most cases, no-fault insurance is optional — only a few states require it. However, no-fault insurance is not available in every state. You can look into medical payments coverage if you live in a state that doesn’t sell no-fault insurance. 

What No-Fault Auto Insurance Covers

While they cover similar things, no-fault insurance covers a lot more than medical payments coverage. Coverage varies by state and company, but no-fault insurance usually covers the following:

• Medical bills
• Lost income due to injuries sustained in an accident
• Funeral expenses if someone dies in the accident
• Life services while you recover, like house cleaning or dog walking
• Physical therapy

No-fault insurance doesn’t help pay for repairs to your vehicle, but it helps for just about everything related to medical expenses after an accident.

No-Fault Auto Insurance Cost

How much does no-fault insurance cost? Like other types of car insurance, the cost of no-fault coverage depends on several factors. One of the most important is how much no-fault insurance your state requires. The more insurance you need, the higher your rates will be.

Michigan is an excellent example of state requirements affecting your insurance costs. Michigan requires drivers to carry a $250,000 limit for no-fault insurance, leading to the country’s highest insurance rates. Read more about Michigan auto insurance.

Although no-fault insurance adds a lot of value to your policy, the average policy adds about $75 monthly to your rates. While residents in states requiring no-fault insurance must add it to their policy, financial protection against medical bills benefits everyone.

States Offering No-Fault Auto Insurance Coverage

Most states require a minimum amount of insurance, but only a few require no-fault insurance. Several other states allow drivers to buy no-fault insurance but don’t require it.

According to the Insurance Information Institute, the states requiring no-fault insurance are:

• Florida
• Hawaii
• Kansas
• Kentucky
• Massachusetts
• Michigan
• Minnesota
• New Jersey
• New York
• North Dakota
• Pennsylvania
• Utah

Kentucky, Pennsylvania, and New Jersey allow drivers to choose between no-fault insurance and full tort liability, which changes how much you can sue another driver. Full tort liability insurance tends to be more expensive than no-fault coverage.

States that allow for the sale of no-fault insurance without requiring it include:

• Arkansas
• Delaware
• Maryland
• New Hampshire
• Oregon
• South Dakota
• Texas
• Virginia
• Washington
• Wisconsin

As you can see, the number of states that offer no-fault insurance is limited. If you’re interested in no-fault insurance, make sure it’s available in your state.

How to File a No-Fault Auto Insurance Claim

Filing a claim with no-fault insurance is a much simpler process than dealing with another driver’s company.

So, what is a no-fault claim? When you’re in an accident or collision, you can file a no-fault claim the same way you would with any other type of coverage. Most large insurance companies allow you to file a claim on a website or mobile app, but you can always call and speak with a representative.

Since this is a no-fault insurance claim, you don’t have to worry about proving anything about your claim. No-fault insurance only pays for specific injuries, but filing your claim is relatively simple.

Find Affordable No-Fault Auto Insurance Today

No-fault insurance is valuable coverage that can protect you and your passengers from expensive health care bills after an accident. While it can increase your insurance rates significantly, protecting yourself from costly medical bills is worth it.

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However, not all states sell no-fault insurance. An insurance representative can help you determine what’s available in your state, and comparing rates will help you find the most affordable coverage.