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Do I need rental car insurance if I have car insurance already?
Since I have an active policy with full coverage, do I need to pay for rental car insurance? I didn't think I did, but the people and the rental car agency were being really pushy about it.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Most of the time, no, you will not need to buy additional rental car insurance if you have full coverage on your existing
car insurance policy
.The additional cost of
rental car insurance
can sometimes be more than 50% of the rental contract, so rental car agencies push for coverage.If you rent a car within the U.S. for personal or vacation use, you will be covered.
However, there are some cases where your standard insurance policy will not provide rental car coverage. If your rental situation falls into one of the following categories, you will want to purchase additional coverage:
- Renting a car for business purposes
- Renting a commercial vehicle
- Renting a vehicle for on or off track racing
- Renting a car in a different country
One way to make sure that your rental is adequately covered is by asking your insurance agent.
If you are fortunate enough to be working with
Jerry
, you can text questions through the app. If you aren’t with Jerry yet, download the app and see how easy it is to get comparison quotes from over 50 carriers at once! Before, during, and after the purchase process, you can text agents any questions you have and they will respond right back!No more phone calls or being put on hold!”
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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