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 Chris Harrigan

UPDATED: Feb 23, 2022

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Key Takeaways

  • GEICO car insurance covers rental cars under a standard policy
  • GEICO doesn’t sell rental car insurance coverage like loss or collision damage waivers, personal effects protection, or personal accident coverage
  • You can buy rental car insurance from rental car agencies and sometimes through your credit card company

If you’re planning to rent a vehicle, you may have some questions about car insurance. Do you need extra coverage, and can you buy it from typical car insurance companies? Does GEICO cover rental cars on vacation? Can you get GEICO rental car coverage if your car breaks down?

Read this article to learn more about whether GEICO car insurance covers rental cars and if you need extra coverage.

Before we dive into that, take a minute to use your ZIP code in our rate comparison tool to get free quotes from companies in your area and start saving right now.

Can you buy rental insurance from GEICO, and if so, what does it include?

You probably won’t be able to buy rental insurance from GEICO. You’ll likely need to go through the rental car agency if you want rental car insurance. However, your standard GEICO insurance policy will cover you when you rent a car. It will provide the same level of protection for your rental car as it does for your vehicle.

How much does rental insurance from GEICO cost?

Since GEICO doesn’t sell rental insurance, we don’t have average rates for that. However, given that GEICO insurance policies cover rental cars, we do have a summary of the company’s average monthly and annual insurance rates. Take a look at this table for rates in your state.

Average Monthly and Annual GEICO Car Insurance Rates by State
StateAverage Monthly Car Insurance RateAverage Annual Car Insurance Rate
District of Columbia$307.73$3,692.81
North Carolina$244.72$2,936.69
North Dakota$222.35$2,668.24
New Hampshire$134.58$1,615.02
New Jersey$229.58$2,754.94
New Mexico$371.53$4,458.30
New York$202.35$2,428.24
Rhode Island$466.89$5,602.63
South Carolina$264.83$3,178.01
South Dakota$245.02$2,940.29
West Virginia$176.73$2,120.80
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If you want to save on your GEICO insurance rates, be sure to ask about discounts for bundling, safe driving, affiliation with specific organizations, and more.

What kind of rental car insurance discounts are available with GEICO?

If GEICO insures you, some car rental agencies may offer you discounts when you rent your vehicle. For example, the GEICO rental car discount with Enterprise could save you up to 50% on a rental car. Alamo offers rental car discounts of up to 20% to drivers covered by GEICO, and drivers with GEICO coverage will save up to 20% with National Car Rental.

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Should you buy rental car insurance?

Rental car insurance probably isn’t necessary since a standard car insurance policy from GEICO already covers it. However, if you feel this is not enough coverage, buying rental car insurance is an option.

If you decide to buy rental car insurance, what coverage options are available?

If your standard car insurance doesn’t provide enough coverage to protect you, you have a few options.

A loss or collision damage waiver provides a financial waiver if the rental car is damaged or stolen. It also includes a waiver that covers the financial losses the rental car agency experiences while the vehicle isn’t available to rent.

A loss or collision damage waiver may not apply if the damages to the rental car are your fault (for example, reckless driving). In that case, your comprehensive or collision coverage might still provide some financial protection.

With rental car liability insurance, you’ll get coverage that provides financial compensation for damages and injuries experienced by the other driver(s) in an accident in which you’re at fault (similar to standard liability coverage you carry on your regular car insurance policy). Minimum limits for this coverage typically match the state minimum requirement.

You can buy personal accident insurance for rental cars, which provides medical coverage after an accident (similar to personal injury protection or MedPay). Additionally, personal effects coverage is an option that protects you if anything you own is stolen from your rental car.

The Bottom Line: Does GEICO cover rental cars?

If GEICO insures you, your policy will cover you when you’re driving a rental car. If you want additional protection under rental-specific coverage, you’ll need to work with the rental car agency — or maybe your credit card company — to buy it. Rental car coverage can include options like loss or collision damage waivers, personal effects protection, and personal accident coverage.

If you have questions about your policy or want to understand better how GEICO protects you when renting a car, you can call the GEICO rental car phone number at 1-800-841-0728.

Now that you know GEICO covers rental cars under standard coverage, are you ready to save on your insurance rates? Get started by entering your ZIP code in the tool on this page to get free car insurance quotes from top companies.

Frequently Asked Questions: Does GEICO cover rental cars?

Are you still wondering about GEICO and available rental car coverage? Read these frequently asked questions for more information.

#1 – What is the difference between rental car insurance and rental reimbursement?

Rental car insurance typically protects you the same way your standard coverage does, though you can add extra coverage through the rental agency or your credit card company. Rental reimbursement is an add-on you can include in your policy that provides financial support for a rental car after your vehicle is damaged in a covered incident.

In general, you’ll work with your insurance company to determine the level of coverage necessary. You’ll usually have options for the maximum number of days or the total value of the rental reimbursement coverage.

#2 – Can you buy rental car insurance through your credit card company?

Credit card companies like Capital One, Chase, and American Express offer rental insurance to credit cardholders. However, this coverage is usually card-specific, meaning the type of credit card you have will determine whether or not you can get rental car insurance through your credit card company.

You can speak with your credit card company to determine if coverage is available with your credit card. If so, you’ll need to use that card to rent the vehicle for the coverage to apply.

#3 – If you rent a car with Turo, will GEICO coverage still apply?

Your GEICO coverage should still apply even if you rent a car through Turo, an app that allows drivers to rent other people’s cars rather than using a traditional rental car agency. However, state laws can impact how your GEICO coverage applies, so make sure to speak with the company to find out if coverage for Turo rentals is included where you live. If it isn’t, you may be able to buy coverage from Turo directly, according to the Insurance Information Institute.