Medical Payments (MedPay) Car Insurance

Medical payments (MedPay) car insurance covers medical expenses regardless of fault. MedPay car insurance rates are between $2 and $37 a month, but rates vary for each person. New Hampshire, Pennsylvania, and Maine are the only states that require a form of MedPay, but all other states have medical payments as optional coverage. The best way to find affordable MedPay car insurance. is to shop around.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Medical payments coverage is optional in most states, but it’s required in a few states
  • You can use MedPay to cover copayments and coinsurance
  • MedPay is no-fault insurance coverage, which means you get coverage regardless of fault

Is medical payments (MedPay) insurance required in your state? Medical payments coverage adds a small amount to your overall car insurance rates. It’s only required in a handful of states.

Read through this short guide to learn how medical payments (MedPay) works in car insurance and what states require you to have it.

Ready to shop for car insurance with medical payments (MedPay) coverage? Enter your ZIP code in the free online quote tool above to compare top companies in your area.

How does MedPay work?

The medical payments definition is a car insurance coverage that is designed to cover excess medical expenses regardless of fault.

MedPay is a short way of saying medical payments and the common term used by insurance companies.

When you file a MedPay claim, it will only cover medical expenses such as x-rays, coinsurance, copayments, and other medical costs that are $5,000 or less.

More expensive medical expenses have to be covered by your health insurance, MedPay only covers items not covered by major medical insurance.

What does MedPay car insurance cover?

MedPay is often confused with personal injury protection (PIP), but they’re different. Here’s a list of things that MedPay covers.

  • Ambulance and emergency medical tech fees
  • Doctor and hospital visits
  • Health insurance deductibles and copayments
  • Nursing services
  • Surgery, x-rays, and prostheses

A MedPay car insurance company won’t pay for medical expenses for another driver. Bodily injury liability covers medical expenses for the other driver, but only when you’re at fault.

What does MedPay car insurance not cover?

When you buy medical payments (MedPay) car insurance, it only covers medical expenses for you and other passengers up to a specific limit.

In addition to limits, MedPay does not cover child care, lost wages, or other significant services.

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Is MedPay car insurance required?

MedPay is optional in almost all states, but there are a few states that require medical payments coverage on a minimum policy. Here are the states that require MedPay.

  • Maine
  • New Hampshire
  • Pennsylvania

New Hampshire is the only state without any minimum car insurance requirements, but MedPay is required if you do choose to buy coverage.

Pennsylvania doesn’t explicitly name MedPay as a requirement. However, the state asks drivers to carry medical benefits equal to $5,000, which happens to be the limit MedPay provides. Essentially, it’s MEdPay by a different name.

How much are medical payments (MedPay) car insurance rates?

Medical y payments (MedPay) car insurance quotes will be included in the total quote if the coverage is required or if you select it as an option. On average, MedPay car insurance adds $2 to $37 monthly to your auto insurance policy.

However, whether you’ll get affordable medical payments (MedPay) car insurance depends on the company and your personal factors.

According to the Federal Trade Commission (FTC), you can get lower auto insurance rates if you have good credit. That’s just one way to lower the cost of all of your coverage, including MedPay.

Stack your good credit with a clean driving record, and you can save hundreds on car insurance.

Continue reading to learn answers to common questions about MedPay.

What’s the difference between medical payments (MedPay) and personal injury protection (PIP)?

MedPay is a no-fault auto insurance coverage that pays for your medical expenses regardless of fault.

PIP is no-fault car insurance that pays for costs related to personal loss, such as lost wages, child care, and personal injury.

Also, PIP provides higher coverage limits. For example, some states require drivers to carry at least $10,000 for PIP and limits can be much higher. MedPay, on the other hand, covers up to $5,000 in medical expenses and is rarely much higher.

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What’s the difference between medical payments (MedPay) and bodily injury (BI) liability?

Bodily injury liability insurance is required in nearly every state, but MedPay is optional in most states. Your bodily injury coverage is designed to cover the other driver and their passengers when you’re at fault in an accident.

MedPay only pays for medical expenses for you and your passengers. It is part of a no-fault insurance system and pays out regardless of fault. 

Medical Payments (MedPay) Car Insurance: What’s the bottom line?

MedPay covers the gaps in car insurance that PIP and BI won’t cover and the gaps in your major medical insurance. The cost of MedPay is generally low, making it an affordable option to have for extra peace of mind.

Now that you know more about MedPay car insurance, use our free online quote tool above to compare multiple companies near you.

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