Medical Payments Coverage (MedPay) in 2025
Medical payments coverage (MedPay) is optional auto insurance that pays medical expenses after accidents, regardless of fault, for as little as $4 a month. MedPay doesn't cover lost wages but pays for medical bills up to $10,000 in some states to help drivers and passengers avoid out-of-pocket expenses.
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Updated September 2025
Medical Payments Coverage (MedPay) is optional auto insurance that pays for medical expenses after accidents, regardless of fault.
- MedPay covers passengers and pays regardless of fault, unlike liability coverage
- MedPay pays $1,000-$10,000 per person for medical expenses and funeral costs
- Coverage is optional in most states, but valuable for high-deductible health plans
This comprehensive guide will teach you how auto insurance medical payments work and what specific costs MedPay covers, including hospital visits, surgery, and funeral expenses. You can compare auto insurance companies to find the most affordable MedPay insurance provider, with State Farm offering the best rates at $4 a month.
Learn about available discounts that can reduce premiums by up to 30%, and determine whether MedPay is worth adding to your policy based on your health insurance coverage. Enter your ZIP code to get personalized insurance quotes tailored to your needs and budget.
Medical Payments Coverage Cost Comparison
If you’re wondering how much MedPay costs, it’s important to understand medical payments coverage limits. Each provider sets its own limits and pricing, which can impact what’s covered after an accident.
Medical Payments Coverage Monthly Rates by Provider
| Insurance Company | Rates |
|---|---|
 | $10 |
 | $26 |
 | $30 |
 | $19 |
 | $35 |
 | $26 |
 | $24 |
 | $4 |
 | $33 |
 | $6 |
State Farm and USAA are the cheapest MedPay insurance companies. Geico medical payments coverage is more expensive at $19 per month, but still cheaper than Travelers and Liberty Mutual.
While affordability matters, you should also consider factors like claims support and how smoothly MedPay integrates with your health insurance. Get multiple auto insurance quotes to compare both price and value.
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Who Needs Medical Payments Coverage
What is medical payment coverage, and how does MedPay work? MedPay is optional insurance that helps pay for medical expenses after a car accident, regardless of who’s at fault. It covers hospital visits, surgery, and funeral costs for you and your passengers. It provides fast payment without relying on health insurance, often covering deductibles and co-pays.
A common misconception is confusing MedPay with Personal Injury Protection. The biggest difference between personal injury protection (PIP) and MedPay is that medical payments coverage won’t cover lost wages or essential services. It’s also sometimes mistaken for medical payments coverage to homeowners, which is a separate policy type.
Those without personal injury protection insurance in their state may also find MedPay helpful, as it offers quick access to funds for medical care. It’s ideal for drivers who want added protection against out-of-pocket medical costs after an accident, regardless of fault. It’s especially valuable if you have high health insurance deductibles, limited coverage, or often drive with passengers.
Even homeowners may benefit from medical payment coverage since home insurance only helps cover minor injuries on your property, like if a guest slips and gets hurt.
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Should I get medical payment coverage on my auto insurance? If you want faster medical reimbursements, protection for passengers, or minimal reliance on health insurance after a crash, MedPay is worth considering. It’s an affordable way to fill the gaps left by other policies.
Medical Payments Coverage vs. Other Types of Auto Insurance
How does medical payments on auto insurance work? As shown in the table below, medical payments insurance covers medical and funeral expenses regardless of fault. However, it does not cover lost wages.
Auto Insurance Coverage by Policy Type
| Coverage Type | MedPay | Personal Injury Protection | Health Insurance | Bodily Injury Liability |
|---|---|---|---|---|
| Medical Expenses | ✅ | ✅ | ✅ | ❌ |
| Vehicle Passengers | ✅ | ✅ | ❌ | ✅ |
| Lost Wages | ❌ | ✅ | ❌ | ❌ |
| Funeral Expenses | ✅ | ✅ | ❌ | ❌ |
| Pays Regardless of Fault | ✅ | ✅ | ✅ | ❌ |
| Mandatory in Some States | ✅ | ✅ | ❌ | ✅ |
What’s the difference between liability coverage and medical payments coverage? Liability auto insurance only covers others’ injuries and property damage when you’re at fault, but not your own. PIP offers broader benefits, including income replacement and hospital bills, when health insurance may not cover vehicle-related injuries as efficiently.
Do you need medical payment coverage? How much medical payment coverage you need depends on your existing health insurance, budget, and whether you want added protection for medical costs after an accident. Limits usually range from $1,000 to $10,000 per person per accident. Choosing a higher limit provides broader protection but may increase premiums.
Save Money on MedPay Insurance With Discounts
While MedPay helps cover medical costs after an accident regardless of fault, smart policyholders also look for ways to save on car insurance without sacrificing protection. Many insurers offer incentives for safe driving, bundling policies, or insuring multiple vehicles, making MedPay more affordable for qualifying drivers.
MedPay Insurance Discounts by Provider
| Company | MedPay Discount | Amount | Eligibility |
|---|---|---|---|
| Bundling | 10% | Members bundling auto with home or renters insurance |
| Bundling | 10% | Customers bundling auto with home, renters, or life insurance |
| Loyalty Discount | 30% | Long-term customers with multiple policies |
| Multi-Vehicle Discount | 25% | Customers insuring more than one vehicle |
| RightTrack Program | 30% | Participation in safe driving program (RightTrack) |
| Snapshot Program | 30% | Drivers enrolled in usage-based Snapshot program |
| RightTrack Program | $513/year | Safe driving monitoring via RightTrack |
| Drive Safe & Save Discount | 30% | Enrolled in Drive Safe & Save app |
| IntelliDrive Program | 20% | Drivers using IntelliDrive mobile tracking |
| SafePilot Program | 30% | Military members/family using SafePilot app |
If you’re searching for tips on paying less for car insurance, start by combining discounts with MedPay and comparing offers from different providers. You may find high-value coverage at a lower cost just by evaluating all available options.
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Making the Right Choice for Medical Payments Coverage
Medical payments coverage (MedPay) provides valuable protection for medical expenses after auto accidents, regardless of fault. MedPay covers hospital visits, surgery, and funeral costs for you and your passengers, filling gaps left by health insurance deductibles.
How much medical payment coverage you need on your auto insurance depends on your existing coverage and budget. State Farm offers the cheapest rate at just $4 monthly, making it highly affordable.
Is medical payment coverage worth it when you buy auto insurance? If you have high health insurance deductibles or frequently drive with passengers, MedPay is essential. While it doesn’t cover lost wages like PIP, it provides quick reimbursement without fault determination.
Get the right coverage that includes MedPay for comprehensive protection. Enter your ZIP code to start comparing premiums from highly-rated insurers in your area.
Frequently Asked Questions
What is medical payment coverage (MedPay)?
Medical payments coverage (MedPay) is optional auto insurance that helps pay for medical expenses after a car accident, regardless of who’s at fault. It covers hospital visits, surgery, and funeral costs for you and your passengers. It also often covers insurance deductibles and co-pays that your primary coverage might not handle.
What’s the difference between personal injury protection (PIP) and MedPay?
The main difference is that PIP offers broader coverage than MedPay. While both cover medical expenses regardless of fault, PIP also includes lost wages and compensation for essential services, which MedPay does not provide.
MedPay focuses solely on medical and funeral expenses, making it more limited but often more affordable than PIP coverage. Enter your ZIP code into our free comparison tool to start comparing rates now.
Do you need MedPay if you have health insurance?
Yes, MedPay can still be valuable even with health insurance. It helps finance what your health insurance won’t cover, such as high deductibles, co-pays, and coverage gaps. MedPay provides immediate payment for medical expenses without waiting for health insurance processing, and it covers passengers who may not be included in your health insurance policy.
What’s the difference between liability coverage and medical payments coverage?
Liability coverage pays for others’ injuries and property damage when you’re at fault in an accident, but it doesn’t cover your own medical expenses.
Medical payments coverage pays for your and your passengers’ medical costs regardless of who caused the accident. Liability is mandatory in most states, while MedPay is optional.
Is medical payments coverage required by law?
Medical payments coverage is not mandatory in most states, making it an optional addition to your auto insurance policy. However, some states do require it as part of their minimum coverage requirements.
Even where it’s not required, many insurance experts recommend adding MedPay because of its low cost and valuable protection for medical expenses after accidents.
What does the medical payment coverage part of the policy pay for?
Medical payment coverage pays for hospital visits, surgery, ambulance services, X-rays, dental work, and funeral expenses for you and your passengers. Coverage limits typically range from $1,000 to $10,000 per person per accident.
When people get auto insurance right, they often include MedPay to ensure comprehensive medical protection after accidents.
What are medical payments and home insurance?
Medical payment coverage for homeowners insurance is separate from auto MedPay and covers minor injuries that occur on your property.
For example, if a guest slips and gets hurt at your home, this coverage helps pay for their medical expenses regardless of fault. It’s designed to handle small medical bills without involving your main liability coverage.
How many exclusions are found in medical payment coverage?
Medical payment coverage typically has several standard exclusions, including injuries from racing, using the vehicle for business purposes, motorcycles or ATVs, intentional self-harm, and injuries covered by workers’ compensation.
To save more money on car insurance while maintaining adequate protection, compare MedPay options from different insurers to find the exact number of exclusions and the best coverage for your needs.
How quickly does MedPay payout after an accident?
One of MedPay’s biggest advantages is its speed of payment. Unlike liability claims that require fault determination or health insurance that may have lengthy processing times, MedPay typically pays out quickly after receiving medical bills and documentation.
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