Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 28, 2021

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Key Takeaways

  • Some of the best medical payments (MedPay) car insurance companies include GEICO, State Farm, Progressive, Allstate, and Safeco
  • MedPay insurance covers medical expenses for you and other passengers after an accident regardless of fault
  • Medical payments (MedPay) coverage rates are typically low, so increasing coverage limits may be worth it

There are a few different types of car insurance that will help to cover medical expenses for the parties involved in an accident. However, they may be limited to who they will cover and which vehicles must be involved to provide coverage.

Medical payments coverage will cover you and other passengers almost anywhere you go. Below, we’ve listed some of the best medical payments (MedPay) car insurance companies to make your policy decisions easier.

If you want to buy medical payments car insurance, enter your ZIP code into our free quote comparison tool to get medical payments (MedPay) car insurance quotes.

What are the best medical payments (MedPay) car insurance companies?

Many major car insurance companies provide medical payments (MedPay) car insurance coverage in a variety of coverage limits. Below are some of the best MedPay car insurance companies:

GEICO

GEICO is widely popular for offering low rates on all of its coverages, including its MedPay policy. It offers a variety of coverage limits, including $500, $1,000, $2,000, $3,000, $4,000, $5,000, and $10,000.

State Farm

State Farm offers some of the most affordable MedPay car insurance rates in the industry. It also offers a variety of coverage limits that include $1,000, $5,000, $10,000, and $25,000, as well as higher limits like $50,000 and $100,000.

Progressive

Progressive also offers low rates for MedPay car insurance. In addition, Progressive has a variety of car insurance discounts that make saving on your monthly rates simple.

Allstate

Allstate has slightly higher rates for its MedPay coverage. However, if you are an existing Allstate customer, it is simple to add it to your policy.

Safeco

Safeco is another company that offers affordable MedPay car insurance. It also has a wide network of agents that make it easy to find reliable customer service.

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What is MedPay coverage?

MedPay car insurance provides coverage for you and other passengers in the case of any type of accident. MedPay coverage will follow you anywhere, including your insured vehicles, other vehicles, public transportation, and even walking.

What is the difference between medical payments vs. bodily injury auto insurance? Bodily injury liability will cover medical expenses for parties injured in an accident other than yourself, while medical payments coverage covers you and other passengers.

The MedPay policy will cover medical bills for you and any other passengers in the vehicle up to your policy limit. This could include ambulance fees, hospital or doctor’s expenses, surgeries, nursing services, prosthetics, injuries if you are hit by a car while walking, and funeral costs.

Even though some of these expenses could be covered by another driver’s bodily injury liability coverage, MedPay acts as a more immediate solution.

In some cases, MedPay is primary coverage, while in others, MedPay is secondary coverage to your health insurance.

If it is primary coverage, you will have to pay your bills and then be reimbursed, whereas if it is secondary coverage, your health insurance would cover the majority of the bill, and MedPay could cover any leftovers including your health insurance deductible and copays.

MedPay is typically used as secondary coverage to other types of car insurance, so many companies offer low coverage limits.

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

The monthly cost of MedPay coverage is usually low. Let’s take a look at some sample monthly car insurance rates for medical payments with the most common coverage limits:

Sample Medical Payments (MedPay) Rates Per Month by Coverage Limit
Company $1,000 Coverage Limit$5,000 Coverage Limit$10,000 Coverage Limit$25,000 Coverage Limit
Allstate$8.00$20.00$26.00$32.00
Esurance$5.10$8.48$28.56$36.72
GEICO$4.56$19.18$27.52N/A
Progressive$6.00$17.00$26.00$35.00
State Farm$1.56$3.12$4.37$6.87
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The main determinants of how much you will have to pay for MedPay insurance are the company you choose and how much coverage you want. However, it will also depend on your vehicle, demographics, and more. There is generally no deductible or copays for MedPay insurance.

Some experts suggest getting higher limits of medical payments coverage, because the difference in rates to go up a significant amount in coverage may be very little.

How can I save on MedPay insurance?

Since MedPay car insurance is a cheaper add-on for your standard car insurance policy, insurance companies generally don’t have any specific ways to save money on your MedPay rates. However, you can take action to lower your overall car insurance rates.

First, you should ensure you are taking advantage of as many discounts as possible. Your car insurance company may offer some or all of the following discounts:

Available Insurance Discounts by Type
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-Lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-Smoker/Non-Drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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You may also want to consider increasing your deductible, which will in turn decrease your monthly rates. However, this may only be a good option if you can afford to pay higher out-of-pocket expenses.

When you’re shopping for car insurance, one of the best ways to make sure you’re getting affordable rates is to compare quotes from multiple companies.

Do I need MedPay car insurance?

MedPay car insurance isn’t required by most states. However, if you live in a state that does, you will need medical payments coverage to legally drive your car.

In states that do not require MedPay insurance, it may still be highly beneficial to have MedPay insurance added to your car insurance policy to make sure you can quickly be covered for medical expenses after an accident.

How much medical coverage on auto insurance should you buy? The more you can afford, the safer you will be. The low rates for MedPay coverage make it easier to increase your coverage limits, so if you can afford to do so, go with a higher limit.

However, if you have a health insurance plan with good coverage, low deductibles, and limited copays, you may not need medical payments car insurance, since everything is already covered by your health insurance.

Find an affordable medical payments (MedPay) car insurance company near you by entering your ZIP code into our free quote comparison tool below.