All Comparison Tables
Auto Mini-Tort & PIP Thresholds by State
Federal & State Law Editorial TeamLast reviewed: April 2026
No-fault auto insurance threshold for tort recovery, mini-tort recovery limits for property damage, and verbal threshold rules.
50 States2 data columnsLast updated: March 2026
Click any column header to sort ascending or descending. Click again to reverse, and a third time to reset.
| Threshold | Recovery Limit | Verbal Threshold |
|---|---|---|
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| $10,000 PIP | $10,000 | Yes (serious) |
| No mini-tort | N/A | No |
| $10,000 PIP | $10,000 | Yes (serious) |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| $2,000 medical | $2,000 | Yes |
| $10,000 PIP (choice) | $10,000 | Optional |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| $2,000 medical | $2,000 | Yes |
| $3,000 mini-tort | $3,000 | Yes (serious) |
| $4,000 medical | $4,000 | Yes |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| Choice | Varies | Yes (Limited tort) |
| No mini-tort | N/A | No |
| $50,000 PIP | $50,000 | Yes (serious) |
| No mini-tort | N/A | No |
| $2,500 medical | $2,500 | Yes |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| Choice | Varies | Yes (Limited tort) |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| $3,000 medical | $3,000 | Yes |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| No mini-tort | N/A | No |
| Choice | Varies | Optional |
12 jurisdictions are no-fault: FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, UT (and DC). Choice no-fault states (KY, NJ, PA, DC) let drivers select tort or no-fault. Michigan reformed PIP unlimited medical in 2019.
This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.