Can I Use My Insurance For Rental Car?

Renting a car can be exciting, but it can also be expensive. And if you don’t have the right coverage, you could end up paying more than you bargained for in the event of an accident. So, can you use your insurance for rental cars? The answer is yes – depending on the type of insurance you have and what it covers. In this blog post, we will explore the different types of insurance that may cover rental cars, as well as alternative options that could help make renting a car more affordable and stress-free.

Can I Use My Insurance For Rental Car?

If you have comprehensive and collision coverage on your personal car insurance policy, you may be able to use it for a rental car. However, you will likely have to pay a deductible if you need to file a claim. Additionally, your personal car insurance may not cover all of the damages that can occur with a rental car. It is important to check with your insurer to see what is covered before renting a car.

How much does insurance cost?

The cost of insurance depends on a number of factors, including the type of car you rent, the length of time you rent it, and the amount of coverage you need. You can get an estimate of how much insurance will cost by using our online quote tool.

How to get rental car insurance

If you’re wondering if you can use your insurance for rental car, the answer is maybe. It depends on the type of insurance you have and what coverage you’ve purchased. Here’s a breakdown of how different types of insurance affect rental cars.

If you have auto insurance through your personal carrier, you may have some protection for damage to a rental car. However, this coverage is usually limited to collision and comprehensive coverage. That means if you only have liability insurance, you’ll be on the hook for any damage to the rental car.

Another way to get rental car insurance is through your credit card issuer. Some cards offer rental car insurance as a benefit, but it’s important to check the details before relying on this coverage. For example, some cards only cover damage due to theft or collision, while others may exclude certain types of vehicles or require that you decline the rental company’s own insurance policy.

Finally, you can purchase standalone rental car insurance from a variety of companies. This is usually the most comprehensive option, but it can also be the most expensive. Be sure to compare rates and coverage levels before buying so that you get the best value for your needs.

Is it worth it to get rental car insurance?

If you’re not sure whether or not to get rental car insurance the next time you hit the road, consider the following:

The pros: Rental car insurance can provide valuable protection if your rental car is damaged or stolen. It can also give you peace of mind in knowing that you’re covered should something happen to your rental car.

The cons: Rental car insurance can be expensive, and it may not be necessary if you have a personal auto insurance policy that provides adequate coverage. Be sure to check with your insurer to see what coverage you have before buying any additional insurance from the rental company.


Overall, whether or not you can use your insurance for a rental car depends on the type of coverage and policy you have. It’s important to check with your insurer prior to renting a car so that you understand what is available to protect yourself in case of an accident or theft. By taking the time to plan ahead and know how your insurance works with rental cars, you can feel confident when hitting the road.