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: Apr 13, 2022

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Key takeaways...

  • If you plan on driving, rental car insurance covers you when you’re on vacation
  • Your credit card company or personal plan may offer rental car insurance
  • The best way to save money is to compare at least three different quotes

At some point in your life, you will probably need a rental car. You might be traveling for business or pleasure, or you might just need a temporary car while yours is being repaired.

Whatever the reason, you want to make sure that you have rental car insurance. You can compare car insurance companies with our car insurance comparison tool!

Enter your zip code above and start comparing car insurance quotes for FREE!

Why do you need rental car insurance?

You might believe that you have adequate car insurance coverage for rental car insurance, whether it is through your credit card company or your personal car insurance.

If you do not have proper coverage, you could be held liable for all or some of the cost associated with an accident, even if it is not your fault.

Without adequate car rental insurance, you could be stuck with the expenses if you have an accident.

Even if you do have some coverage, you would probably still pay a deductible. Expenses can really add up.

There are a few reasons as to why you need to purchase additional car rental insurance:

  • The type of standard coverage that covers damage or theft does not cover some areas of the vehicle.
  • Standard insurance normally has a deductible, so even with the parts that are covered, you could still end up paying a substantial amount of money.

The best way to make sure that you do not have mountains of bills is to purchase enough car rental insurance so that you are not left holding the bill.

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Types of Rental Car Insurance

There are several types of rental car insurance coverage available:

  • Liability Insurance – A company might offer additional or supplemental insurance that can be bought at a low price for each day that you use the vehicle. This will pay above what your current insurance already pays. If you do not currently have personal liability insurance, you can buy it from the rental car company.
  • Personal Effects Coverage – Unfortunately, the rental car could become lost or stolen while in your possession. This type of insurance will cover your personal items that are lost or stolen. If you do not have valuable personal items in the vehicle, this type of coverage might not be needed.
  • Accidental Death – This type of coverage is provided as a benefit for accidental death and medical cost. It could include coverage of up to $100,000 for accidental death and up to $2500 for medical bills because of injury. Each state has different limits on this type of coverage.

Saving Money on Rental Car Insurance

The best way to save money on rental car insurance is to check with many different companies.

The following are various sources that you might contact regarding rental car insurance:

  • Check with your credit card provider. Many companies provide some coverage to their customers. However, normally this coverage is not enough to pay all expenses.
  • Check with your car insurance company. You might not have full coverage, but you can add coverage when you rent a car
  • Probably the best way to save money is to check with the rental car company when renting the car. You can get good deals if you just look around and compare prices.

 Comparing Rental Car Insurance Companies

The best way to save money on car rental insurance is to compare car insurance companies and obtain quotes from each one. You can get free quotes online, and it will take you only minutes to compare.

Insurance companies are very competitive, so you need to be patient and take the time to research and shop around. Rental car insurance does not have to cost a fortune.

You just need to find a rate that meets your budget.

There are many rental car companies in which you can look up their website and begin comparing quotes. Most car rental companies will provide free car insurance quotes.

Each individual site will tell you about your options, including types of cars available, prices and rental insurance choices.

However, there are also sites that you can go to and they will compare multiple quotes for you at one time.

These types of sites could save you some time, as you will receive all quotes at once.

When you go to a site to compare prices, there are several things that you need to know:

  • Make sure you know the exact cost that they quote you because every company is different.
  • Know exactly what type of insurance is covered by the quote.
  • Read the fine print. There are certain things that might not be covered if damaged, so know precisely what the insurance will and will not cover.
  • Be aware of the exclusions. Ask about the coverage if the accident is your fault or if you are negligent.
  • Know the limitations of the coverage. Your coverage may only be good in certain states, so know the borders.

You will also need to let the company know several things about your car rental, such as your starting location, how long you need the vehicle, exact dates, and size of your preferred car.

Having rental car insurance can give you peace of mind that you will not be responsible in the case of an unfortunate accident.

Easily compare rental car insurance with online comparison tool. Enter your zip code below and get started for FREE!


  1. https://www.budget.com/en/home
  2. https://www.progressive.com/auto/insurance-coverages/
  3. https://www.propertycasualty360.com/2010/04/02/supplemental-auto-liability-insurance
  4. https://www.travelers.com/home-insurance/coverage/personal-liability
  5. https://www.thebalance.com/top-companies-offering-accidental-death-and-dismemberment-insurance-4094719