Best Medical Payments (MedPay) Auto Insurance Companies (2021)

The best medical payments (MedPay) auto insurance companies are GEICO and USAA. Medical payments auto insurance rates cost $10 per month on average. Regardless of fault, MedPay assists with medical costs for you, your passengers, pedestrians, or anyone else injured in an accident. You must buy medical payments auto insurance to legally drive on the roads if you live in Maine or New Hampshire; otherwise, the coverage is optional.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 7, 2021

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Things to Remember

  • The best medical payments (MedPay) auto insurance companies are GEICO and USAA
  • MedPay coverage is a legal requirement in both Maine and New Hampshire
  • MedPay covers medical costs for you, your passengers, pedestrians, or anyone else you injure in an accident

GEICO and USAA are two of the best medical payments (MedPay) auto insurance companies on the market.

Typically an optional add-on, medical payments coverage pays for medical expenses resulting from a car accident for you and other drivers listed on your auto policy, regardless of fault.

Keep reading to learn if you need medical payments coverage on your auto insurance, discover more specifically what it covers, and choose the best medical payments car insurance company for your unique needs.

After reading about affordable medical payments auto insurance rates, compare accurate quotes from the top providers near you for free by entering your ZIP code into our tool above.

What are the best medical payments auto insurance companies?

Are you looking for the best medical payments auto insurance company?

In first and second place are GEICO and USAA, the two companies that offer the lowest average medical payments auto insurance quotes nationwide.

But not every company is active or available in every ZIP code. Also, USAA only serves military personnel and their immediate families.

The table below compares the average annual auto insurance rates by provider from both Maine and New Hampshire, the two states where MedPay coverage is legally required:

Average Annual Auto Insurance Rates by Company
Auto Insurance CompaniesAverage Annual Auto Insurance Rates
Allstate$2,722.99
GEICO$1,560.91
Liberty Mutual$4,331.75
Nationwide$2,487.58
Progressive$3,167.91
Safeco$8,476.85
State Farm$2,192.80
Travelers$2,253.96
USAA$1,690.19
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Remember, the rates above represent the average annual cost for auto insurance in Maine and New Hampshire. Based on where you live, the cost of adding medical payments coverage may fluctuate, and your rates will vary due to the legal limits required by your state insurance laws. 

GEICO Auto Insurance Company lands at the top of our recommended MedPay companies because it offers some of the cheapest base rates and is available to all drivers.

The company also provides some of the lowest MedPay limits to drivers, starting at just $500 worth of coverage. Lower MedPay limits lead to lower monthly premiums.

GEICO also provides many auto insurance discounts to customers that stack together, leading to even more significant savings.

The company is also known for providing more affordable rates for younger drivers.

USAA Auto Insurance Company is our next recommended provider. This company often provides the most competitive rates for those who qualify for coverage through them. However, only military families are eligible to use its services.

USAA also provides drivers with many auto insurance discounts comparable to GEICO.

State Farm Auto Insurance Company earns the next spot on our list but not simply because of its low base rates. This company also offers the most MedPay limits on the higher end, reaching $50,000 and $100,000. If you live in Maine, that extra coverage is quite affordable.

Travelers Auto Insurance Company is our fourth recommended MedPay auto insurance company. The company is available to everyone and offers a high number of discounts.

But, unfortunately, Travelers is not the most active provider in every ZIP code, so they might not be available in your area.

Luckily, it offers competitive base quotes compared to other providers in the regions where it is available.

For honorable mentions, consider adding the following companies to your quote comparison list:

These companies also offer plenty of auto insurance discounts to drivers, but some might not be available in every part of the country. Plus, many different variables can impact your auto insurance costs, some of which are beyond your control.

So when searching for your cheapest premiums, it’s always a good idea to compare quotes online from multiple auto insurance companies.

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What is medical payments coverage auto insurance?

MedPay auto insurance covers medical expenses resulting from a car accident, regardless of who caused it. In most states, it is an optional policy add-on, not a requirement.

However, Maine and New Hampshire drivers are legally obligated to purchase a minimum level of MedPay to drive on the roads.

But technically, in New Hampshire, if you provide proof of financial security, you can legally waive auto insurance coverage entirely.

For those that do purchase auto insurance, the state minimum MedPay limits are:

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

MedPay acts as supplemental health insurance and applies to you, your passengers, and anyone else listed on your policy. Even if you’re hit by a vehicle while walking, riding a bike, or using public transportation, your medical payments coverage still protects you.

Plus, there are no associated deductibles or copays. But how much does medical payments coverage auto insurance cost?

On average, adding MedPay coverage to your policy will increase your rates by around $10 per month.

This type of policy is relatively cheap because the limits are usually small, around $1,000 to $5,000 total. However, some companies offer higher limits.

How does medical payments coverage work?

How does MedPay work on auto insurance policies? Technically, medical payments coverage fills the auto and health insurance gaps to ensure that your medical bills are paid quickly.

Because MedPay covers you regardless of fault, you do not have to wait for the insurers to determine who caused an accident before your claim is paid.

MedPay also never requires any copays or deductibles and instead can be used to pay for health insurance or other auto insurance deductibles.

There are typically two ways to get a claim payout. You might receive a direct reimbursement, or you’ll add MedPay to an existing health insurance policy.

If your MedPay is considered your primary coverage, then you’d pay for your medical bills up front after an accident and ask your MedPay insurer for reimbursement through the claims center.

If MedPay is considered your secondary coverage, then your health insurance pays for your medical bills, and instead, MedPay goes towards any existing deductibles or copays.

If you do not invest in any MedPay, you must rely on the other at-fault driver’s bodily injury liability insurance to cover your injury expenses. Unfortunately, determining fault can sometimes take months.

Until then, you’re responsible for covering those bills out of pocket while you wait to learn if you’ll be reimbursed or not.

What does MedPay cover?

Medical payments coverage helps pay for medical bills and other expenses often incurred due to a car accident.

MedPay assists with EMT and ambulance fees, surgeries or x-rays, prosthetic limbs, and even dental procedures needed due to a car accident.

You can also use your MedPay insurance to cover:

  • Medical bills typically covered by health insurance
  • Professional nursing services
  • Funeral expenses
  • Deductibles, copays, and coinsurance for other insurance types

Medical payments coverage follows the driver, not the vehicle. So you’re still protected even if you’re involved in a car accident as a pedestrian, passenger, or while using public transportation.

It’s also crucial to understand the difference between auto insurance medical payments versus bodily injury liability insurance.

Most state laws usually require bodily injury and property damage liability insurance, but liability insurance only pays for the damages to the other driver in an accident you cause. It does not cover your own medical needs.

What does MedPay not cover?

There are a few key things that medical payments coverage does not pay for, including:

  • Lost wages
  • Childcare
  • Property damage
  • Injuries incurred by the other driver

If you cause an accident, your liability insurance covers damage to the other driver’s property and medical bills. For assistance with lost wages and childcare costs, consider personal injury protection insurance, which we cover in more detail below.

What’s the difference between MedPay vs. personal injury protection (PIP)?

MedPay is very similar to personal injury protection (PIP) insurance; however, it offers less protection than PIP, and more states require you to maintain PIP insurance than ones that require MedPay coverage.

Like MedPay, PIP insurance also covers health care costs for you and your passengers due to an accident regardless of fault. But it also compensates you for lost wages or childcare costs, which MedPay does not do.

Unlike MedPay, there’s often a deductible associated with PIP coverage, so you may be required to pay out of pocket for a portion of the medical bills.

How do you choose between MedPay versus PIP coverage? You might believe that purchasing one means you do not need the other. However, these two policies complement each other.

If you purchase both, you can use your MedPay benefits to cover the PIP deductibles. Also, if your medical bills exceed your PIP limits, MedPay covers the remaining costs.

But if budget is a concern, MedPay is typically cheaper than PIP insurance.

Do you need medical payments coverage?

Who should buy medical payments auto insurance coverage? If you live in Maine or New Hampshire, you’re required to add MedPay to your auto insurance policy.

Otherwise, MedPay coverage is technically optional, but having it is highly recommended.

You could benefit from investing in MedPay coverage because it is an affordable way to ensure medical bills are accounted for if a car accident ever occurs.

According to the Insurance Information Institute (III), the average bodily injury claim in 2019 was $18,417, and not every health insurance plan is comprehensive enough to cover such costly expenses.

So even if you also carry PIP and health insurance, MedPay fills in the remaining coverage gaps and can even reimburse you for potential out-of-pocket expenses, like deductibles.

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How to Find the Best Medical Payments (MedPay) Auto Insurance Companies

Even if you don’t live in a state where it’s required, adding medical payments coverage to your auto policy is an excellent investment.

MedPay often costs as little as $10 extra per month, so it’s possible to secure coverage for you and your family at any price point.

If you already purchase health insurance and PIP coverage, MedPay fills in any remaining gaps and ensures you’re fully protected.

Investing in this inexpensive coverage compliments other types of insurance policies, making it easier for you to get the treatment you need to heal and move on after a stressful accident.

Now is your chance. Find the best medical payments auto insurance company for you by entering your ZIP code into our free rate tool below, and you’ll receive accurate quotes from the top providers in your region.

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