If I don't have my own insurance policy, how can I drive a rental car legally?

"I know I should have insurance when I drive a car, and I plan on renting a car for the first time next week. How can I make sure I am properly covered? I don't have a car, so I don't have an insurance policy.


“Don’t worry! There are plenty of insurance options when you choose to rent a car.
The first and most simple option is to buy rental car insurance from the rental car agency. They will give you the option of selecting liability coverage and collision coverage. Since you don’t have an underlying policy, you would want to purchase both.
You can also reach out to your credit card company. Many cards now have rental perks and discounts. They may be able to get a deal on the rental car for you or provide you with free collision coverage.
Another option is to skip the rental car counter altogether and go with a carsharing service. Depending on your location, there are companies like Turo and Zipcar that offer rental cars with with insurance.”
Shannon Martin
Answered on May 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free