Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Mar 31, 2021

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Key takeaways...

  • You must have car insurance to drive a rental car
  • Most rental car agencies offer insurance coverage
  • Double check with your insurance agent before saying no to optional rental car coverage

Rental car insurance is a most often an OPTIONAL feature of any car insurance policy. A  feature many drivers do not realize is optional until they are involved in a car accident.

There no state minimum requirements requiring car insurance companies to provide you with a replacement vehicle in the event you lose the use of your car.

Ready to compare car insurance quotes? Enter your zip code above to get started for FREE!

What is rental car insurance?

When people do a Google search for rental car insurance they often are trying to find cheaper car insurance for their weekend getaway car rental, however, this feature is not just for renting a car on holiday.

Rental car coverage in the car insurance industry means you have insurance to cover rental expenses incurred while your car is not usable (up to a defined limit of course – sadly, you can not rent a Lamborghini while your Toyota Corolla is being repaired).

It may surprise you, but not all car insurance companies provide this feature as part of standard policies.

Any vehicle owner can opt to add rental car coverage as part of their policy coverage for a very nominal fee.

Many times this policy rider not only covers a rental car in the event of a car accident but also extends coverage to you as a driver while renting cars from such car rental companies as Hertz, Budget, AVIS or other popular ones.

The actual coverage offered by adding rental car insurance to your policy will vary by company so ask about cost and benefits of adding this rider to your policy.

Like any good insurance policy, you will never truly appreciate your coverage choices until you need to make a claim – rental car insurance is a must for most drivers.

Find a car insurance company today and learn more about your auto insurance options. Enter your zip code below to get started for FREE!