When renting a car, is it really necessary to buy auto insurance?

Answered by Car Insurance Expert Jessica on February 22, 2021

I'm planning to rent a car during a trip out of town. Do I need to buy auto insurance?

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Car Insurance Expert

When renting a vehicle, you don’t necessarily need to buy auto insurance. Your personal auto insurance and/or credit card may offer rental car coverage, so be sure to check your policy and card benefits.

Rental car companies offer insurance, but only at minimum limits; they also offer supplemental insurance on top of that for further protection. If you don’t have a car of your own at the moment, you can take out a “named non-owner policy,” which is basically liability insurance (bodily injury and property damage) for a person when they’re driving a vehicle they don’t own.

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