MedPay vs. PIP Insurance: What To Know

MedPay vs. PIP is something to consider before buying auto insurance. Both MedPay and Personal Injury Protection are no-fault car insurance add-ons that pay for medical bills. However, PIP includes coverage for lost wages, legal fees, and funeral costs. You can pay as low as $5/mo for MedPay, but PIP could add at least $50/mo to your policy. Compare companies and shop around the find the best rates.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 10, 2021

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A Concise Overview

  • Medical payments and personal injury protection are no-fault insurance add-ons in some states.
  • Your MedPay insurance may not cover DUI-related accidents that you caused.
  • Personal injury protection can cover lost wages, hospital stays, and even funeral costs.

If you’re debating MedPay vs. PIP, then you’ve come to the right place for answers. When you buy auto insurance, you can add MedPay or PIP to your policy to cover injuries regardless of who’s at fault in a car accident.

MedPay and PIP are no-fault insurance coverages that pay for bodily injuries even if you’re at fault. But how do they work, and what do they cover? Continue reading to learn more about these bodily injury add-ons and how much they cost.

You can compare MedPay vs. PIP quotes from multiple companies by entering your ZIP code in the free comparison tool above.

MedPay vs. PIP Insurance

Medical payments (MedPay) and personal injury protection (PIP) are two optional auto insurance add-ons that pay for medical bills and other expenses after you’ve been injured in a car accident.

Some states require MedPay and PIP, but most states in the United States only require bodily injury liability and property damage liability.

What is MedPay?

MedPay is a car insurance add-on that pays for medical bills, doctor’s visits, deductibles, and copays related to an accident. Its coverage that can supplement health insurance gives an alternative to pay for high medical costs.

How does MedPay work?

Your MedPay coverage activates when you file a MedPay claim with your car insurance company, alerting them of your injuries and the cost of medical bills.

After your MedPay request is reviewed, your auto insurance provider will pay your medical expenses to your healthcare provider.

Most MedPay coverage limits are $5,000, but you can find MedPay limits up to $10,000.

What is PIP insurance?

Some injuries could sideline you for a few weeks to a couple of months. PIP insurance provides compensation for personal injury. Therefore, your PIP coverage will pay for lost wages, childcare expenses, legal fees, and even funeral costs.

How does PIP work?

PIP pays for injuries for you and your passengers. Any lost wages, legal fees, and accidental death costs accumulated after an accident is covered by PIP. However, PIP has coverage limits.

PIP coverage limits vary by state.

The standard PIP minimums include $10,000 for medical bills and lost wages of one person, $30,000 for medical bills and lost wages of multiple people, and up to $5,000 in funeral expenses.

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How much are MedPay and PIP?

MedPay and PIP are determined by your age, driving record, vehicle, and various other factors.

Although MedPay and PIP insurance costs are harder to target, we found MedPay can cost between $5 to $20 per month – while PIP insurance rates cost $50 or more. 

States that Require MedPay and PIP

Despite MedPay and PIP’s availability in the United States, only a few states require MedPay and PIP. Maine and New Hampshire are the only two states that require MedPay. Both states happen to be tort law states.

According to the Cornell Law School, tort law holds the at-fault driver responsible for damages and injuries if the auto insurance coverage limits aren’t enough.

This is often called negligent torts in legal practice. It essentially makes the at-fault driver liable for costs due to their negligence.

PIP insurance is required in 13 states. Let’s examine those states and their coverage limits below.

States that Require Personal Injury Protection
StatesMinimum Coverage Requirements
Delaware$15,000
Florida$10,000
Hawaii$10,000
Kansas$4,500
Massachusetts$8,000
MichiganUp to $500,000 (up to $50,000 for Medicaid Recipients)
Minnesota$40,000
New Jersey$15,000
New York$50,000
North Dakota$30,000
Oregon$15,000
Pennsylvania$5,000
Utah$3,000
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Utah has the lowest minimum PIP coverage, but Michigan has the highest PIP coverage limit. Michigan’s PIP requirement is more flexible.

MedPay vs. PIP: The Bottom Line

MedPay and PIP are optional in most states, but they could save you money on a long-term basis. PIP insurance does have an insurance deductible, but MedPay doesn’t. Combine that benefit with MedPay’s low cost, and you’ve got a reliable investment through auto insurance.

Take advantage of either coverage and get protection against costly medical bills and other expenses are paid for if you get into an accident.

Enter your ZIP code in the free comparison tool below and compare MedPay vs. PIP from multiple companies.

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