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.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 14, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Car insurance is required on leased cars
  • You may not need to purchase coverage offered by a rental car company
  • Update your current auto policy before your wedding day

A wedding is a momentous occasion that you may have been planning for months.

As part of your plans, you may lease a unique car to travel to and from the ceremony and reception sites in style. Renting luxury or classic cars is typical for weddings.

The last thing you may want to think about as you prepare for your wedding day is the possibility of being in a car accident.

However, these things can and do happen, and you need to be fully prepared for all potential issues if you want to enjoy your big day.

With a closer look at insurance requirements for a wedding rental car, you can take the proper steps to prepare yourself for any vehicle situation that may arise.

Looking for better auto insurance coverage on your wedding day? Enter your ZIP code above and compare at least three to four policies right now!

Why You Need Insurance on a Leased Car

You may wonder if insurance is required for a leased car. After all, you may only be driving it for a few hours.

Any time you get behind the wheel of a vehicle, state laws in all states require you to be properly insured.

Drivers are financially liable for expenses they cause to others when driving, and liability insurance gives you a way to pay for the expenses you cause.

The unfortunate reality is that accidents can result in vehicle damage, injuries, and more to you as well as to others involved in the accident. Some accidents may result in thousands or tens of thousands of dollars of damage or more.

Furthermore, if you are caught driving without proper insurance in place, you may receive a fine or face other penalties.

The Rental Car Company’s Requirements

Most rental car companies require drivers to prove that they have car insurance before they execute the lease with you.

Many personal auto insurance policies will pay for damages you cause in a rental car, but it is wise to review your auto insurance coverage before you lease a car to ensure that you have coverage.

Your rental car company may offer temporary coverage to you for an additional fee, which can help you to pay for damages that you may cause.

State Laws for Auto Insurance

While you need to comply with your rental car company’s insurance requirements, you also need to comply with the state law for auto insurance.

These laws vary from state to state. Most have a minimum liability insurance requirement, but some have additional requirements that you may need to meet.

For example, some require you to obtain personal injury or uninsured motorist insurance. It is wise to understand the state requirements for insurance before you drive a rental car on your wedding day.

The Potential for Financial Loss

Remember that the state requirements primarily only pay for other people’s damages if you cause an accident, and the car rental company’s requirements may pay for their related expenses.

You may also experience financial loss related to medical bills, personal property damages, and more.

There are optional coverages that you can purchase through some providers that can help you to reduce your own expenses if you are in an accident on your wedding day or any other day.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

The Types of Coverage You Need

As you can see, there are some types of auto insurance coverage that you may be required to obtain, and there are optional coverages that may benefit you as well.

With a closer look at the most common types of car insurance available, you can make a sound buying decision.

Collision or Comprehensive Insurance

Collision or comprehensive insurance is most commonly required by the rental car company, and it will pay for repairs or a replacement to the wedding rental car if it is damaged or totaled.

Collision coverage only pays for car accident expenses, and comprehensive insurance may pay for losses related to weather damage, theft, and more.

Liability Insurance

Liability insurance is usually a legal requirement by the state. This coverage only pays for other parties’ expenses if you cause an accident.

It will not pay damages if you are not at-fault, and your own expenses from the accident will also not be covered.

GAP Insurance

Many car rental companies require you to have GAP insurance on the vehicle.

This special insurance compensates the rental car company if the auto loan balance on the loan is higher than the replacement value of the car.

This kind of situation is rather common with new vehicles, and most rental cars are less than two years old.

The Need to Buy New Coverage

You may be wondering if you have to buy new coverage before your wedding or if you already have the coverage that is necessary.

You do not want to be caught without proper coverage if something bad happens on your wedding day, so now is the ideal time to take a closer look at your current benefits.

Review Your Current Coverage

You can easily review your current coverage and compare it against state requirements and the rental car company’s requirements.

Regardless of whether you need to update your coverage types and limits or not, it makes sense to shop around and compare rates from several providers. 

This simple step may help you to identify new opportunities to save money on your coverage.

Think About Credit Card Benefits

In the event your current car insurance policy does not include rental car benefits, you may want to take a closer look at your credit cards. Some credit cards have benefits that include temporary insurance on rental cars.

However, in order to take advantage of this benefit, you typically must pay the rental car expenses with the credit card that has the benefits.

Regardless of the distance you plan to travel in a rental car on your wedding day, you need to obtain the proper auto insurance coverage to comply with the rental car company’s rules as well as with your state’s laws.

Some people may already have adequate coverage through an existing policy or through credit card benefits.

However, you should examine the requirements as well as the coverages in place well ahead of your wedding date so that you are prepared for your big day.

Looking to rent a car for your wedding? Start comparison shopping for the best auto insurance first by entering your ZIP code below!