Why No-Fault States Have Higher Car Insurance Rates
Car insurance rates vary widely by state and within each state due to a wide variety of factors, such as population density, the frequency of theft and vandalism, and local cost of living. One important factor affecting a state's average car insurance rates is whether the state has no-fault insurance laws.
What Is No-Fault Insurance?
Twelve states in the country have no-fault insurance laws, which means that, in an accident between two or more drivers, each driver's insurance pays for their own injuries.