Best Medical Payments (MedPay) Coverage Car Insurance Company (2024)

If you’re searching for an auto insurance policy, you may come across a type of coverage called medical payments. MedPay coverage can help provide care and avoidance of any lawsuit in the event of an accident. The best medical payments (MedPay) car insurance companies are GEICO, State Farm, and USAA. Medical payments car insurance rates cost $10 per month on average.

MedPay assists with medical costs for you and your passengers resulting from a car accident, regardless of fault. You may think that this is what your health care is for, but some health care providers have limitations, and an automobile accident may not be covered. It’s always best to double check, in case you end up needing MedPay as well. 

Find out if you need MedPay coverage and compare car insurance companies below to keep your car insurance rates low.

After learning how to buy medical payments car insurance, enter your ZIP code into our free quote tool above to compare rates from the best companies near you. Plus if you have any questions, you’ll have the entire database of each company you’re researching at your disposal. 

What are the best medical payments car insurance companies?

Medical payments coverage supplements other insurance types and fills gaps in your coverage so you aren’t stuck paying for medical bills out of your own pocket after an accident. 

While not available everywhere, in states where this coverage is an option, it costs around $10 per month on average or $120 annually.

Below, compare average annual car insurance rates from the top providers in Maine and New Hampshire, where medical payments coverage is part of the legal car insurance minimum requirements.

Average Annual Car Insurance Rates by Company

Remember, the above totals do not reflect strictly medical payments car insurance quotes.

Rather, the totals are composites of complete policies from Maine and New Hampshire, including medical payments coverage.

The best medical payments car insurance company offering the cheapest average quotes is GEICO car insurance company.

GEICO provides some of the lowest MedPay limits for drivers on a tight budget, starting at $500.

GEICO also offers additional car insurance discounts that can be stacked, leading to greater savings. Plus, it’s available in all 50 states and is known for providing cheaper quotes to younger drivers.

Next on our list, USAA car insurance company also offers some of the most competitive quotes to drivers needing MedPay coverage.

However, only military personnel can purchase policies from this provider, so USAA MedPay won’t be available for everyone.

But for those who do qualify, USAA offers just as many discounts as GEICO and typically receives higher customer ratings.

State Farm car insurance company is another strong option for folks in need of MedPay, especially if you’re interested in higher limits. The company sells policies reaching up to $100,000.

However, not every company is active or available in every part of the country.

Plus, your age, driving record, coverage needs, and ZIP code heavily influence your car insurance rates.

Below, check out a list of companies that we also recommend for low-cost MedPay coverage.

• Allstate car insurance company
• Nationwide car insurance company
• Progressive car insurance company
• Liberty Mutual car insurance company
• Travelers car insurance company

To find the best MedPay car insurance company for you, compare quotes online from different providers.

Read more: Does Geico cover medical bills resulting from the accident?

How does medical payments car insurance coverage work?

What is MedPay coverage? Technically, it covers your medical costs and those of your passengers after an accident, regardless of fault.

Medical payments coverage follows you, not your car, and it protects you even as a pedestrian.

You can also rely on MedPay if you’re involved in an accident while biking or using public transportation.

It even protects you if you’re a passenger in someone else’s vehicle. Typically, you can use your MedPay benefits for:

• Ambulance or EMT fees
• Dental procedures resulting from an accident
• Doctor visits
• Hospital stays
• Professional nursing services
• Prosthetic limbs
• Surgeries
• X-rays

However, there are also some things that MedPay does not pay for. MedPay insurance policies do not cover:

• Lost wages
• Childcare
• Property damage
• Injuries to the other driver

How do you file a medical payments coverage claim? Technically, it depends on whether you live in a no-fault or at-fault state, as well as what kind of health insurance policy you have.

After an accident, pay for your medical bills upfront and file the claim through your MedPay policy.

You’ll receive a reimbursement check in the mail from your provider later on, or the payment will go directly to your health insurance.

MedPay limits are usually low, as it’s intended to cover your immediate medical needs and supplement other insurance types following a car accident.

In some states, if you have multiple cars on your policy, you may be able to stack the MedPay limits for each vehicle, increasing the total coverage level available to you.

Do I need medical payments car insurance?

Only Maine and New Hampshire state laws require drivers to carry some level of medical payments coverage.

However, New Hampshire residents can choose to waive car insurance with proof of financial responsibility.

So, how much medical coverage on car insurance is required in Maine and New Hampshire? Check it out:

• Maine: $2,000 per person
• New Hampshire: $1,000 per person

Even if MedPay is not required in your state, it’s worth adding to your car insurance policy if it is available to you and you can afford it.

According to the Insurance Information Institute (III), the average bodily injury liability claim in 2019 cost $18,417.

Most personal health insurance plans and state-mandated liability car insurance limits are insufficient to cover such high costs.

But if you invest in MedPay, it fills any gaps remaining from your health insurance, as well as your personal injury protection (PIP) coverage if you live in a no-fault state.

Plus, MedPay coverage can help pay for other insurance deductibles, reducing your potential out-of-pocket expenses even further after a car accident.

What’s the difference between medical payments coverage and other types of insurance?

Medical payments coverage is similar to two other insurance types, personal injury protection and bodily injury liability insurance. It is also often compared to health insurance.

So, what’s the difference between car insurance medical payments versus bodily injury liability coverage?

Your liability policy does not cover your own costs. Instead, it only pays for the other party’s damages resulting from an accident you cause.

Personal injury protection also differs from MedPay coverage in that it offers a broader range of benefits, like reimbursement for childcare services. More states require PIP coverage than MedPay.

But, technically, these two policies complement one another, so it sometimes makes sense to invest in both.

For example, you can use your MedPay benefits to pay for your PIP insurance deductible to avoid out-of-pocket expenses.

Plus, if budget is a primary concern, MedPay usually costs less than PIP insurance.

MedPay coverage still benefits you if you have health insurance, as some health insurance policies don’t cover injuries caused by car accidents.

Furthermore, health insurance policies typically have large deductibles that you must pay for yourself. In some cases, MedPay can be used to cover some of those costs.

However, if you have health insurance with no deductible and it covers car accidents, then you might not need medical payments coverage.

Read more: What is medical payments coverage in car insurancce?

Case Studies: Best Medical Payments (MedPay) Coverage Car Insurance Company 

Case Study 1: Jessica’s Experience With MedPay Coverage

Jessica was in search of car insurance that provided comprehensive medical payments (MedPay) coverage to protect herself and her passengers in case of an accident. After researching different car insurance companies, she found that GEICO, State Farm, and USAA were consistently recommended for their MedPay coverage options.

After comparing quotes and considering their coverage limits, Jessica chose State Farm due to its competitive rates and high coverage limits. (For more information, read our “Does State Farm cover medical bills resulting from the accident?“).

Case Study 2: Mark’s Decision for Affordable MedPay Coverage

Mark wanted to find car insurance that offered affordable medical payments (MedPay) coverage without compromising on the quality of service. After obtaining quotes from various insurance providers, he discovered that GEICO consistently offered the lowest rates for MedPay coverage.

Mark appreciated GEICO’s reputation for customer service and the fact that it was available in all 50 states. Based on these factors, Mark decided to go with GEICO as his car insurance provider. 

Case Study 3: Emily’s Selection for Military-Exclusive MedPay Coverage

Emily, a military service member, needed car insurance that offered specialized medical payments (MedPay) coverage exclusively for military personnel. After thorough research and obtaining quotes, she found that USAA was highly recommended for its MedPay coverage and its focus on serving military members and their families.

Emily was impressed with USAA’s competitive rates, excellent customer service, and additional discounts. Consequently, she chose USAA as her car insurance provider.

Best Medical Payments (MedPay) Car Insurance Companies: The Bottom Line

If you live in a state where medical payments coverage is available, consider adding it to your car insurance policy.

MedPay helps fill in the gaps left by other insurance types, including personal injury protection and health insurance.

Plus, at only $10 per month, the coverage is typically very affordable.

For drivers in Maine or New Hampshire, GEICO and USAA offer the cheapest average MedPay rates. However, compare quotes from multiple providers to see which company is best for you.

Now that you’ve learned about affordable medical payments car insurance, compare quotes from the top providers in your area by entering your ZIP code into our free rate tool below.