Cheap Car Insurance with Multiple PIP Claims

On average, two Personal Injury Protection (PIP) claims will raise car insurance premiums by $47 per year — or $24 over the course of a standard six-month policy. Let’s explore the ins and outs of car insurance after filing multiple PIP claims, which companies are cheapest for drivers with multiple PIP claims, and what constitutes a Personal Injury Protection claim.

  1. Cheapest insurance companies with two PIP claims
  2. What is a PIP claim?
  3. FAQs and related content


Cheapest auto insurance providers after 2 PIP claims

The amount you will pay after two PIP claims will vary considerably depending on your driving profile, location, and the circumstances surrounding the incidents. We generated a typical driver profile in order to provide average rates after PIP claims. See below rates from major insurance companies after two PIP claims. 

6-month premium w/ no violation
6-month premium w/ 2 PIP claims
Allstate - $1,016
Farmers - $709
GEICO - $657
Liberty - $838
Nationwide - $675
Progressive - $790
State Farm - $664
USAA - $487


USAA increases rates by just $15 per policy period after a second PIP claim. Progressive increases rates by an average of $200 every six months. If you do not qualify for USAA coverage, consider State Farm and Nationwide as alternatives.


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What is a PIP insurance claim?

PIP refers to Personal Injury Protection coverage. This coverage, required in 12 no-fault states, provides injury protection for you and your passengers, regardless of fault.

What PIP covers:

  • Medical care and treatment
  • Lost wages and related expenses
  • Ambulance fees
  • Medication
  • Death benefits, funeral expenses

What PIP does not cover:

  • Workers’ compensation
  • Compensation for physical damage to your vehicle
  • Bodily injury costs to other drivers outside of your vehicle  


How much PIP coverage do you need?

Your state’s department of insurance regulation determines how much PIP coverage is required by law. This amount varies widely by state. For example, Michigan requires each policy to have unlimited PIP, while Massachusetts only requires $8,000.


Additional resources and frequently asked questions

Car insurance rates after a second PIP claim will vary on a case-by-case basis. Consider the rates presented above as composites and not necessarily reflective of your experience.Because of the high cost of claims payouts, many companies will drop you as a client if you record more than three PIP claims in a three-year period. Exercise caution after your second PIP claim in order to remain insured.

If you’re currently in a situation where you cannot find insurance because of your driving record, your best option is to compare policies from non-standard insurance companies. These smaller companies may be willing to provide coverage to higher-risk clients. If you’re interested in speaking to an agent to find coverage after a PIP claim, call 888-444-2833 or click below.


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Can I file a health insurance claim instead of using PIP?

Your health insurance may require you to use your Personal Injury Protection coverage if you’re injured in an accident. They will consider this coverage your primary policy and your health care as a backup. There are a few exceptions to this rule. New Jersey, for example, allows you to use your health care as your primary coverage.


What's the difference between liability insurance and PIP?

The main difference is who is covered. Your liability insurance covers damageyoucause to other drivers and their vehicles. It has two parts: bodily injury and property damage. Your PIP coverage provides medical benefits to you and your passengers, regardless of fault.


What's the difference between Med Pay and PIP?

Medical payments coverage — or Med Pay — provides less comprehensive coverage than does PIP. While each provides medical and funeral benefits, Med Pay provides no coverage for loss of wages or living expenses.


Does PIP cover car damage?

No. PIP covers no physical protection to your vehicle. If you’re in an accident or otherwise damaged your vehicle, you should use your collision or comprehensive coverage.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.