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Maria Hanson
Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life.
Written by Maria HansonInsurance and Finance Writer
Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi.
Reviewed by Brandon FradyLicensed Insurance Producer
UPDATED: Jul 18, 2024
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UPDATED: Jul 18, 2024
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
Does my auto insurance cover rental cars? Good news: the insurance you carry on your vehicle usually applies to any rental car.
However, should you still purchase insurance for a rental car? You should consult your auto insurance policy before deciding on rental car insurance coverage.
Read More: What Is Covered by Auto InsuranceIf your auto insurance policy type extends to rentals, you don’t need to purchase additional coverage. However, you may need to buy a rental company’s insurance to be appropriately covered.
Read on to learn to the answer to “Does Geico cover a rental car for repairs?” and more. Compare rental car insurance quotes online by entering your ZIP code into our free comparison tool above.
Things to RememberDoes my car insurance cover rentals? Most car insurance policies cover rental cars. With auto insurance providers, insurance for rental cars is covered under a standard auto insurance policy.
So, does Geico cover car rental insurance? While there’s no Geico rental car insurance, Allstate car rental coverage, or E surance rental car coverage specifically, your Geico auto insurance policy should extend to any rental car in your name. Check out our Geico insurance review to learn more about Geico coverage on rental cars.
You only have as much coverage on your rental as you do on your vehicle. If you have a full coverage policy that includes collision and comprehensive coverage, those coverages also extend to your rental car.
However, if your car insurance policy only covers liability, you may need to purchase additional coverage through the rental company when getting your rental car. Check out our expert guide titled, “Do you need proof of insurance to rent a car?” for more details.
Does Geico cover rental car insurance? Yes, your personal car insurance does cover rental car damages if you get in an accident. However, you’ll need Geico full coverage for rental car damages, since liability only covers damages you cause to others in your rental car from Geico.
The table below shows average rates for full coverage car insurance in each state, along with rates from Geico.
Geico Full Coverage Auto Insurance Monthly Rates vs. State Average| State | Geico | State Average |
|---|---|---|
| Alabama | $239 | $297 |
| Alaska | $240 | $285 |
| Arizona | $189 | $314 |
| Arkansas | $290 | $344 |
| California | $240 | $307 |
| Colorado | $258 | $323 |
| Connecticut | $256 | $385 |
| Delaware | $311 | $499 |
| Florida | $315 | $390 |
| Georgia | $248 | $414 |
| Hawaii | $280 | $213 |
| Idaho | $231 | $248 |
| Illinois | $232 | $275 |
| Indiana | $188 | $285 |
| Iowa | $191 | $248 |
| Kansas | $268 | $273 |
| Kentucky | $386 | $433 |
| Louisiana | $513 | $476 |
| Maine | $235 | $246 |
| Maryland | $319 | $382 |
| Massachusetts | $126 | $223 |
| Michigan | $536 | $875 |
| Minnesota | $292 | $367 |
| Mississippi | $341 | $305 |
| Missouri | $240 | $277 |
| Montana | $300 | $268 |
| Nebraska | $320 | $274 |
| Nevada | $305 | $405 |
| New Hampshire | $135 | $263 |
| New Jersey | $230 | $460 |
| New Mexico | $372 | $289 |
| New York | $202 | $357 |
| North Carolina | $245 | $283 |
| North Dakota | $222 | $347 |
| Ohio | $156 | $226 |
| Oklahoma | $286 | $345 |
| Oregon | $268 | $289 |
| Pennsylvania | $217 | $336 |
| Rhode Island | $467 | $417 |
| South Carolina | $265 | $315 |
| South Dakota | $245 | $332 |
| Tennessee | $274 | $305 |
| Texas | $272 | $337 |
| Utah | $247 | $301 |
| Vermont | $183 | $270 |
| Virginia | $172 | $196 |
| Washington | $214 | $255 |
| Washington, D.C. | $308 | $370 |
| West Virginia | $177 | $216 |
| Wisconsin | $327 | $301 |
| Wyoming | $291 | $267 |
Geico rates for full coverage are lower in each state than the average coverage cost. You can get cheap full coverage insurance for car rentals thanks to car rental discounts from Geico.
Does Geico cover rental cars while car is in the shop? Yes, you can get Geico rental car reimbursement, which covers the cost of a rental car through Geico if your car is in the shop due to a covered claim (Learn More: Rental Car Reimbursement Coverage).
Does Geico provide rental cars? While it doesn’t offer rental cars, Geico insurance rental car coverage can help you pay for one.
American Family also extends personal auto insurance coverage to any vehicles you rent, so any coverages you have apply to the rental vehicle. In addition, Am Fam carries rental car reimbursement coverage to help pay for a rental while your car gets repaired after a covered claim.
See how much you could pay for American Family coverage and more in our review of American Family insurance.
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How much does rental car insurance cost? Different rental car companies charge different amounts for coverage, and it also depends on personal factors, such as driving record, location, and more.
For instance, car rental insurance in Florida likely costs more than in a state with a lower population, such as Wyoming. Check out the table below to see how much you could pay for rental car coverage:
Rental Auto Insurance Daily Rates by Rental Company| Rental Company | Collision Damage Waiver | Liability Coverage | Personal Accident/Effects | Total Cost |
|---|---|---|---|---|
| Alamo | $25 | $13 | $6 | $44 |
| Avis | $28 | $16 | $10 | $54 |
| Budget | $9 | $15 | $7 | $31 |
| Dollar | $23 | $15 | $8 | $46 |
| Enterprise | $30 | $17 | $13 | $60 |
| Fox | $20 | $15 | $7 | $42 |
| Hertz | $27 | $19 | $7 | $53 |
| National | $26 | $18 | $9 | $53 |
| Payless | $22 | $12 | $6 | $40 |
| Sixt | $30 | $20 | $10 | $60 |
| Thrifty | $24 | $14 | $8 | $46 |
As you can see, Enterprise’s rates are significantly higher than other companies, and Budget comes out as the least expensive rental car insurance option. However, if other companies offer better rates for rentals, the insurance price may not matter as much.
Regardless of the company you choose for your rental car, it’s evident that rental car insurance rates are much higher than standard insurance rates for the same coverage.
Now that you know more about rental coverage, you may be wondering how much you’d pay to get rental car reimbursement coverage. Most of the best auto insurance companies offer rental car reimbursement for around $2 to $15 monthly.
Does Geico cover rental cars while car is in the shop? Yes, you can get assistance paying for a car rental from Geico if you carry rental car reimbursement coverage, which helps pay for a rental vehicle while yours gets repaired during a covered claim.
You may be wondering whether insurance covers the full rental costs or if you’ll have to pay a partial amount. Compare coverage amounts from the top providers in the table below:
Rental Car Reimbursement Daily Coverage Amount by Provider| Insurance Company | Coverage Amount | What's Covered |
|---|---|---|
| 21st Century | $25-$90 | Rental for covered accidents |
| AAA | $25-$50 | Rental (breakdowns, repair, service, leisure) |
| Allstate | $30 | Rental or other transport during repair |
| American Family | Direct billing with Enterprise Rent-A-Car | Rental costs, ride shares, taxis, buses, and trains |
| Amica Mutual | $20 | Rental costs, ride shares, taxis, buses, and trains |
| Auto-Owners | Direct billing | Rental for covered accidents |
| Esurance | 45 days or $3,000 | Rental after covered accident or theft |
| Farmers | Direct billing for 30 days | Rental for covered accidents |
| Geico | Set limit or directly billing with Enterprise Rent-A-Car | Rental for covered accidents |
| Liberty Mutual | Enterprise Rent-A-Car discounts; pays repair shop | Rental for covered accidents |
| Mercury | $30-$100 | Rental for covered accidents |
| Nationwide | $30-$75 | Rental or alternate transport after accident |
| Progressive | $40-$60 | Rental for covered accidents |
| State Farm | $25-$50 | Rental and limited travel after covered event |
| Travelers | $100 | Rental and limited travel after covered event |
| USAA | Direct billing with Enterprise Rent-A-Car | Rental and limited travel after covered event |
As you can see, Geico car rental coverage allows you to set your daily limit, and use direct billing with Enterprise to get a Geico Rent-a-Car.
Does liability insurance cover rental cars? If your insurance extends to rental cars, your liability auto insurance coverage will cover other parties’ costs if you cause an accident.
If you only carry liability coverage on your Geico auto rental insurance policy, the company recommends policyholders get additional coverage on their rental vehicle. The main reason is that liability-only auto insurance coverage only covers damage you cause to other people and their vehicles.
So, if you’re wondering, “Can I use my Geico insurance for a rental car if I only have liability?” the answer is no.
Your liability insurance won’t pay for the repairs to the rental car after an accident unless you also have collision and comprehensive insurance.
Kristen Gryglik Licensed Insurance Agent
The best coverage to help with damage from accidents is collision coverage. Collision auto insurance works to cover your vehicle if you are in a car accident, even if you are at fault. However, collision coverage has limits, and you must pay a deductible before your insurance kicks in.
What kind of coverage do you need for a rental car? Does full coverage insurance cover rental cars? Generally, you will need the same coverages that you carry on your personal vehicles, including:
If you are wondering if you need collision insurance on a rental car, the answer is always yes. However, if you don’t have these extra coverages, you should purchase coverage from the rental car company, so you don’t have to pay out of pocket if you wreck the rental car.
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If it works with your budget, you should consider purchasing a full coverage auto insurance policy on your vehicle, which would extend to rental cars in many cases. This means that your full coverage insurance will include coverage for rental cars.
For instance, you may wonder, “Does my Geico insurance cover rental cars?” The answer is yes, Geico car insurance does cover rental cars, meaning whatever Geico coverage you have applies to cars you rent.
Full coverage offers you financial protection through collision coverage if you’re in an accident — you can also rely on it’s comprehensive insurance to pay out if your car is vandalized or gets damaged by weather.
Still, a full coverage policy costs more than a liability-only policy since it only meet’s state insurance requirements.
Does Geico full coverage cover rental cars? Yes, full coverage with Geico extends to any rental car. If you choose to purchase a full coverage policy, your full coverage will extend to your rental car, and you can avoid paying up to $60 per day in rental car insurance.
However, full coverage doesn’t pay for a rental car while your car gets repaired – that’s what rental car reimbursement covers.
Typically, providers don’t have auto insurance discounts on rental cars, but you can get rental reimbursement, which could help you save money on renting a car if you ever need a rental while your vehicle is being repaired.
Does Geico offer car rental insurance discounts? Yes, car insurance policyholders can get a Geico rental car discount of anywhere from 20%-50% on Geico rental cars from Hertz, Enterprise, Alamo, and National Car Rental.
Usually, rental cars are covered under rental reimbursement, but this coverage only helps if you need a rental car because yours requires repairs. Keep in mind that rental reimbursement won’t help you pay for a rental car when you go on vacation abroad.
So, does Geico cover rental cars on vacation? No, you can’t get Geico auto insurance to cover rental cars for vacation purposes.
To get rental reimbursement with your auto insurer, you can contact them directly to see how much the coverage would cost in terms of monthly rates.
When you purchase rental car insurance from the rental car company, you usually will see the following types of insurance offered:
If you don’t have collision and comprehensive insurance on your own auto insurance policy, purchasing the collision or loss damage waiver is vital. Otherwise, you’ll have to pay out of pocket for damages to the rental if you don’t carry full coverage insurance for a rental car.
Keep in mind that any liability car insurance you carry also transfers to any rental cars you purchase, protecting you from out-of-pocket expenses following an at-fault accident.
In addition, you should also consider a personal effects policy for your rental, which is a type of insurance to help pay for the loss or theft of any of your personal belongings (Read More: If someone breaks into your car, does car insurance cover it?).
However, check your renters or homeowners insurance to ensure they don’t cover personal items.
So, does Geico auto insurance cover rental cars? A Geico full coverage policy will extend to any cars you rent, and you can also look for Geico car insurance discounts if you need to stay within a budget.
You should get rental car insurance from a company if you don’t have your own auto insurance policy. At a minimum, you’ll need to purchase liability coverage.
Even if you have your own auto insurance policy, you should consider buying extra coverage from the rental car company if you don’t have extras like comprehensive or collision coverage. Doing so will ensure you don’t have to pay out of pocket if you crash the rental car or the other driver doesn’t have enough insurance to cover repairs.
Finally, if you are traveling abroad and renting a car, your personal auto insurance policy may not cover you. If that’s the case, you should purchase coverage from the rental car company.
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What rental car insurance company is best? If you don’t want to purchase rental car insurance at the counter, and your own car insurance won’t cover you, then you could opt for third-party rental car insurance. There are a few places to purchase the best rental car insurance explicitly meant for rental cars.
Allianz Travel insurance policies have a rental car package called OneTrip Rental Car Protector. This coverage will pay for losses of up to $50,000 after an accident. The car rental insurance costs only $11 per day, and Allianz Travel also offers 24/7 emergency assistance.
Wondering if you really need to insure your next vacation? We lay out seven simple reasons to buy travel insurance for every trip. https://t.co/gHCGUjhH7Y
— Allianz Travel USA (@AllianzTravelUS) January 30, 2024
If you are looking for a quick and affordable rental car insurance option where you don’t have to use your own insurance, you may want to look into Allianz Travel. Allianz Travel also sells coverage in other countries, so you can purchase car rental insurance wherever you travel. Check out our Allianz auto insurance review for more information.
Bonzah offers rental car coverage in all 50 states and other countries. Damage insurance at Bonzah will cover up to $35,000 of accident costs if you collide with another vehicle, and you can also purchase supplemental liability insurance. The cost is usually less than $10 a day for a Bonzah rental car plan.
Like the other companies on our list, Rental Cover provides insurance in the U.S. and abroad. It has collision insurance as well as supplemental liability insurance.
While Rental Cover doesn’t list its prices, it claims to be 50% cheaper than the average insurance cost of rental coverage at the counter, which is $29. Therefore, Rental Cover should provide coverage for less than $20 daily.
Sure is underwritten by Chubb National Insurance Company and will cover up to $100,000 in physical damages to the rental car, which is more than what other rental car insurance companies provide. It also includes coverage for flat tires, lost keys, and other mishaps.
However, Sure doesn’t list prices readily on its website, so you’ll have to get quotes to determine how much it will cost. You can find more information about Sure and other subsidiaries of Chubb by reading our Chubb auto insurance review.
Before purchasing third-party coverage, you may wonder, “Does Geico cover insurance for a rental car?” Yes, your personal Geico full coverage policy also applies to any rental cars you purchase.
Sometimes, your credit card company may offer additional protection if you pay for the rental car using their credit card. You can call your credit card company’s number to see if this is a perk that it offers.
Keep in mind that the insurance offered by credit card companies is usually secondary coverage meant to be added to your primary insurance. So, if the accident costs go beyond your policy limits, the extra coverage provided by the credit card company will pick up the rest of the bill.
Does my insurance cover rental cars? If you have a full coverage auto insurance policy at your personal insurance company, it is usually best to first see if your policy will cover rental cars. For example, for those wondering, “Does Geico cover car rentals?” Geico covers rental cars if you carry a personal insurance policy with the company.
You’ll need to get rental car insurance from the rental company if you don’t carry a full coverage policy on your vehicle.
If your budget allows, consider purchasing collision and comprehensive car insurance on your vehicle to give it complete protection. If your insurance company doesn’t cover rental cars or you don’t have full coverage, you should purchase rental car insurance.
You need car insurance even if you only drive🚘 for a short period. You have options🔢, though, and https://t.co/27f1xf1ARb will guide you through them. Check out all the details for temporary auto insurance here👉: https://t.co/EteYL16ESd pic.twitter.com/3he8DnD03R
— AutoInsurance.org (@AutoInsurance) October 8, 2023
It’s usually cheaper to get rental car insurance from an outside party than the rental car company. You can also check with your credit card company to see if they offer extra coverage.
We hope you now have a better understanding to answer “Does my car insurance cover rental cars?” and “Can I use Geico insurance for a rental car?” To find the best rates near you and see how much you’ll pay for car rental insurance with Geico, use our free quote comparison tool by entering your ZIP code below.
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Rental car insurance works the same way as regular auto insurance: you pay a certain amount of money in exchange for an insurance company’s agreement to cover losses and claims up to an agreed amount. However, rental car insurance comes in different forms than a standard auto insurance policy.
Does Geico have rental car insurance? While it doesn’t have a separate rental car insurance offering, your personal policy follows you with any rental car you drive.
Rental car insurance protects you when you drive a rental car. It works the same way as your personal auto insurance by paying for damages and injuries after an accident. However, you may not need to carry rental car insurance if your personal auto insurance covers you.
So, does my Geico cover rental cars? Yes, if you have a personal full coverage policy with Geico, you’ll also have Geico insurance for car rental damages. Enter your ZIP code into our free quote tool below to compare your Geico rates vs. top providers near you.
The real question is, does your car insurance cover rental cars? In some cases, any coverages you have on your personal policy extends to rental vehicles.
For example, you may be wondering, “Does Geico insurance cover rental cars?” Yes, if you have a personal policy, you’ll have Geico rental car coverage whenever you rent a vehicle.
No, rental cars do come with insurance, but rental agencies typically have minimal coverage on their vehicles. You also don’t need to have your own auto insurance policy to rent a car. However, you could end up responsible for significant expenses if you’re in an accident with the rental and don’t have your own car insurance. But, if you have, you can use your insurance for a rental car.
Liability coverage may not be sufficient for renting a car as it only covers car damage and bodily injury you cause to other people and their vehicles (Learn More: Bodily Injury Liability (BIL) Auto Insurance). If you’re at fault in an accident, your liability insurance will not help pay for damages to the rental car.
A top question readers ask is, “Does Geico cover rental car damage with a full coverage policy?” Yes, if you carry a Geico full coverage policy, you effectively have rental car insurance with Geico. If it fits within your budget, purchasing a full coverage policy for your vehicle is recommended, as it consists of liability, comprehensive, and collision insurance.
Full coverage offers financial protection in various situations, including accidents, vandalism, and damage from weather conditions. Check out our expert guide titled “Does auto insurance cover vandalism?” for more details.
Does Geico collision cover rental cars? Yes, your collision insurance will follow you to any rental car you drive.
Does Geico comprehensive cover rental cars? Yes, if you hit a deer in your car or it gets stolen, comprehensive coverage will pay out.
No, rental car reimbursement is an optional coverage you can add to your personal auto insurance policy. If you crash your personal car, rental car reimbursement will pay for a rental car until your vehicle is repaired.
So, does Geico cover rental cars while my car is in the shop? Yes, Geico covers car rentals while in the repair shop.
You may be wondering, “Does my insurance with Geico cover rental cars?” If you carry a personal policy with the company, you’ll have Geico car insurance for any rental car you get. There is no specific car rental insurance coverage with Geico.
You may be asking, “Do I need rental car insurance?” Always check first to see if your personal policy covers a rental car. However, if you don’t have personal auto insurance, or a full coverage auto insurance policy, or are traveling overseas, you should purchase car insurance from a rental car company.
Can I add a rental car to my Geico insurance? Geico insurance covers rental cars. If you carry a full coverage policy, it should transfer to any cars you rent.
Yes, you can decline rental car insurance at the counter if you have coverage through your personal auto insurance policy or other means. For example, you’ll have Geico coverage for rental cars if you carry a personal policy with the company.
However, be sure to understand the potential risks and consequences before making this decision.
It’s always a good idea to review your existing coverage and consult with your insurance provider if you have any doubts.
Most U.S. auto insurers won’t cover you while driving abroad, except for driving in Canada and driving in Mexico. Unless you have a credit card offering rental car insurance, you’ll probably need to purchase your insurance from the rental company.
This might lead you to ask, “Does Geico cover international car rental?” Generally, your Geico car insurance for rental car damage extends to all U.S. states, territories, and Canada. However, you’ll likely need to get international coverage for other countries.
The cost of rental car insurance varies depending on the rental car company. Rates can differ significantly, with Enterprise being the most expensive and Budget being the least expensive option.
When it comes to Geico policies with rental car coverage, the company doesn’t offer insurance discounts specifically for rental cars. However, Geico rental reimbursement coverage can help you save money on renting a car if your vehicle requires repairs.
However, does Geico insurance cover a rental car? Yes, a full coverage policy will extend to any rental car.
You may wonder, “How long will Geico cover my rental car?” According to the provider, the total number of rental days for Geico car rental insurance coverage is based on the circumstances of your claim. So your best bet is to contact the company directly for their Geico rental car policy.
Want to find cheap rental car insurance coverage with Geico? You can easily search for quotes by entering your ZIP code into our online pricing tool.
Does my Geico policy cover rental cars for loss of use? Whether Geico has loss of use coverage depends on your policy details. While many rental reimbursement policies cover loss of use fees, call customer service and see if the Geico rental car policy for insurance includes loss of use.
Many readers may wonder, “Does Geico cover rental cars in Puerto Rico?” Your Geico insurance for rental car damages should transfer to a rental car in Puerto Rico if you carry a full coverage insurance policy with Geico.
Does Geico cover car rental when I go on vacation? No, you can’t simply use your Geico insurance to pay for a rental car when you go on vacation.
Similarly, does State Farm cover rental cars on vacation? While your rental car will have coverage if you have a full coverage policy with Geico or State Farm, you can’t use your rental car reimbursement for a vacation rental.
Yes, Direct Auto Insurance covers rental cars by extending liability, collision, and comprehensive coverages to rental cars.
Yes, if you carry auto insurance rental car reimbursement, they’ll cover rental car costs while your car gets repaired after a covered claim. Check out insurance savings for military members and their families in our complete USAA auto insurance review.
With Geico, does it cover a rental car with it’s liability insurance? Yes, in most cases, Geico’s liability coverage extends to rental cars (Learn more by reading our Geico insurance review).
Esurance covers rental cars. Your Esurance full coverage does cover rental car damage.
Your Progressive auto insurance policy includes liability, comprehensive, and collision coverage, which generally extends to rental vehicles. Learn more about coverage options and monthly rates in our Progressive auto insurance company review.
But does Progressive cover rental cars for vacation? Progressive won’t cover you while driving abroad, except for driving in Canada and Mexico.
Yes, Mercury does cover rental cars. Your Mercury auto insurance policy generally extends coverage to rental cars if you have an existing auto insurance policy with them.
Yes, Liberty Mutual typically covers rental cars under most auto insurance policies. To see monthly premiums and honest rankings, read our Liberty Mutual review.
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