Updated April 2026
What Is Medical Payments Coverage Insurance?
How Much Does Medical Payments Coverage Insurance Cost?
- Coverage limit selected: $1,000, $2,000, $5,000, or $10,000 policies available in most states
- State medical cost averages: states with higher healthcare costs charge more for MedPay
- Age and violation history: non-standard carriers may price MedPay higher for drivers with DUI or serious violations
- Vehicle type and use: older, safer vehicles driven fewer miles may qualify for lower MedPay rates
- Existing health insurance: some carriers offer modest MedPay discounts if you have Medicare or private health coverage
- Multi-policy bundling: adding MedPay when you already carry comprehensive and collision may reduce per-dollar cost
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