Which States Offer No Fault Auto Insurance? 
Most states are not no-fault states . However , there are a handful of states that are considered `` no fault . '' Based on my 32 years of experience in the business -LRB- and I do make mistakes ! -RRB- , I believe these states are no fault . But you can always check with the State Dept. Of Insurance to verify : Pennsylvania Florida Michigan New Jersey Utah Minnesota North Dakota Kentucky Massachusetts Hawaii Minnesota New York 