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rental car damage and liability insurance

Renting a car during holidays or just traveling for business. But we all know the dangers on the road and car thefts. So what happens in these scenarios while driving a rented car? That's where rental car insurance comes in. Comprehensive coverage for rental cars is one of the best options for your business trips. This coverage option will protect your rental car and your wallet if you suffer an accident. We'll check everything you need about rental car insurance. This way, you will know the best rental car coverage option for your trip.

If you already have comprehensive coverage in your policy, you won't need to buy rental insurance

What is Comprehensive Coverage for Rental Cars?

Comprehensive coverage is a coverage option that protects your personal car against many non-collision dangers, including theft, vandalism, natural disasters like floods, fires, hurricanes, earthquakes, falling objects like trees, rocks or hails, among others. This coverage option in most cases will also cover your rental car, so you won’t need to buy rental car in case you rent car.

Do I Need Comprehensive Coverage for Rental Cars?

Many factors will affect on the decision to add comprehensive coverage for rental cars or not. As we explained above, you'll need to check what your auto insurance policy covers. If your policy includes comprehensive coverage, you may not need to buy it from the rental car company. However, if your policy does not include comprehensive coverage, you may want to consider buying it from the rental car company.

Another factor is the value of the rental car. If you're renting an expenive car, you should add comprehensive coverage to protect yourself from potential damage or theft. Just be realistic, if you rent a Bentley and you miss something inside that rental car or someone steals that rental car, you may want to commit die if you have to pay that out-of-pocket.

What Does Comprehensive Coverage for Rental Cars Cover?

Comprehensive coverage for rental cars typically covers the following:

  • Theft

  • Vandalism

  • Damage from natural disasters (hail, flooding, etc.)

  • Damage from falling objects (tree limbs, rocks, etc.)

  • Animal damage (hits from deer, etc.)

Rememeber, comprehensive coverage won’t cover collison damages. If you want to be covered by collison, you have 2 options:

  • Adding collision coverage in your policy.

  • Buying LWD insurance from rental car insurance company.

How Much Does Comprehensive Coverage for Rental Cars Cost?

The cost of comprehensive coverage for rental cars varies depending on the insurance company you choose, the state you live and the value of the vehicle. On average, based on the National Association of Insurance Commissiones website, comprehensive coverage costs $180 per year or $15 per month.


Q: Will my credit card cover rental car insurance?

A: Most credit card networks like Visa, Mastercard or American Express give you some minimum coverage for your rental cars. Hoever, you must know your own car insurance policy will go first, and your credit card coverage will go as secondary. Make a call to your bank and ask it for.

Q: Can I decline insurance coverage when renting a car?

A: Yes, most rental car insurance coverage are duplicate from your personal car insurance, that’s why you can decline insurance coverage from a renting car company.

Q: Is comprehensive coverage for rental cars worth the cost?

A: Everything depends on your personal situation. If you added comprehensive coverage on your personal policy before, you may not need to buy it from the rental car company. However, if you're renting are traveling in an area with a high risk of theft or naturaLdisasters, comprehensive coverage will help you being more protected.


Renting a car is the best way to feel the pleasure of driving in a new city. However, as you already know, many dangers are in the road, needless to say about car theft. That’s why the best way to protect your rental car is by adding comprehensive coverage to your policy before renting a car.

Other readers were insterested in the following posts:

Rental Car Insurance: Do You Need It?

How rental car insurance work? basic guide

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