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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Apr 1, 2021

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Just What's Essential

  • Medical payments (MedPay) coverage is a type of car insurance that covers injuries to drivers listed on a policy plus passengers after a car accident regardless of fault
  • It can help fill the gaps left by car insurance and health insurance policies
  • MedPay coverage can often be found for less than $10 per month
  • MedPay coverage is a good investment for just about everyone, especially those with high copayments or deductibles from other insurance

Medical payments (MedPay) coverage is affordable car insurance that adds protection for injuries caused by an accident. Read more below to find out what MedPay insurance covers, how much it costs, and who should buy it.

Enter your ZIP code into our free tool above to compare medical payments (MedPay) car insurance quotes today.

What is medical payments (MedPay) coverage?

Medical payments coverage, also known as MedPay coverage, is a type of car insurance that will pay for injuries to drivers listed on a policy and their passengers after an accident regardless of fault.

MedPay coverage acts as gap coverage between car insurance and health insurance to ensure that your medical bills are getting paid quickly. It may also help with copayments and deductibles that are required by your insurance.

Instead of waiting to see who is at fault for an accident or finding out that the insurance will not cover the total amount for your medical bills, MedPay will offer a medical payment for your injuries.

Medical payments (MedPay) car insurance may also cover ambulance fees, dental care, professional nursing, and funeral expenses.

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How much is MedPay coverage?

You can find medical payments (MedPay) car insurance rates for less than $10 per month. Let’s look at some rates from a few different companies for a 30-year-old married male who drives a Toyota Camry.

American Family vs. Farmers Car Insurance Rates by Driving History
Citation TypeAmerican Family Average Monthly PremiumFarmers Average Monthly Premium
At-fault accident with less than $1,000 damage$82.50$141.58
At-fault accident with more than $1,000 damage$146.92$194.50
Speeding Ticket$105.83$170.42
Reckless Driving$154.75$386.33
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MedPay coverage rates will depend on many factors, including your driving history, insurance history, vehicle, location, and more.

Should I buy MedPay coverage?

In 2013, 2.31 million injuries occurred due to car accidents. Depending on the severity of a car accident, medical bills can get into the tens of thousands of dollars.

In most states, MedPay coverage is optional. However, it may be a good investment, especially for those who lack health insurance or cannot afford their copayments or deductibles.

Medical payments insurance can help cover gaps in coverage for those with limited coverage amounts on their car insurance or health insurance. It can also help cover medical costs for passengers who don’t have health insurance.

Because MedPay insurance is relatively cheap, it is generally a good investment. If you need help finding affordable medical payments (MedPay) car insurance, enter your ZIP code into our free quote tool below.