Here’s a look at each state, whether they are an at-fault or no-fault state and their minimum required coverage amounts. Some states require additional insurance to cover you if you are in an accident with a driver who is uninsured or underinsured (UM). Some states also require Personal Injury Protection (PIP), an additional medical coverage.
As with people, states have higher and lower average car insurance rates. These figures are based on things like rate of litigation and number and dollar amount of claims, among many others.
*Michigan: Drivers must choose between 4 PIP options. If they fail to choose, the most expensive (unlimited PIP) will be the default choice.
* New Hampshire: New Hampshire does not require car insurance. However, if you are responsible for someone else’s injuries and damages, you must show proof of financial responsibility. Choosing to buy the minimum liability available can protect your assets if you cause an accident. If you buy insurance, these are the minimum amounts you will be required to purchase.
* New Jersey: Drivers may choose to purchase the Basic Plan or the Standard Plan
** The state-required minimum based on a 30-year-old with a clean driving record and a newer vehicle with safety features. Your costs will differ based on your individual circumstances.