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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 11, 2022

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The Full Review

If you’re planning on taking a trip, going on vacation, or need the use of a rental car while your vehicle is in the shop, you may want to think about getting rental car insurance coverage.

While there are a few full coverage auto insurance companies that include rental car insurance coverage under their policy umbrellas, many do not. Therefore, if you want to be covered when you need to use a rental car, rental car insurance is a must.

Keep reading to find out which companies offer rental car insurance and where to find the best deals.

What are the best companies offering rental car insurance?

With the car rental industry market share increasing with an expected growth rate of 8.22%, it’s no wonder that the need for car rental insurance is increasing.

Buying rental car insurance through a rental car service dealer can cost anywhere from $6 a day to over $30 a day, depending on the type of coverage that you need and how long you’ll need it. This expense, on top of your already pricey rental car, can really drive costs up, especially if you need a rental car for an extended period of time.

However, the good news is that there are a few stand-alone companies that provide this coverage at a fraction of the cost.

Bonzah

Cost: Starts at $7.99 per day

Bonzah is a great option for drivers that need coverage for pretty much anything. It provides up to $35,000 in coverage for collision, theft, vandalism, or other damage to a rental car, with no deductible needed.

Bonzah also offers up to $1 million in supplemental liability insurance, if needed. This costs $11.90 per day.

Other benefits include:

  • Up to $500 for damage or theft of your baggage and personal belongings (including your passport or visa)
  • Roadside assistance if you’re traveling more than 100 miles from your mailing address, which covers towing, battery services, flat tire assistance, fuel/oil/water delivery, lock-out assistance, and collision assistance

Roadside assistance does require an additional service fee of $2.99 per day.

Bonzah requires its drivers to be at least 21 years or older with a valid driver’s license.

RentalCover

Cost: Starts at $12 per day

RentalCover rental car insurance covers up to $35,000 worldwide with no deductible required. It also has a unique policy that includes up to $7500 in coverage for an acute or life-threatening illness and transportation to the hospital.

RentalCover allows you to modify your plan and coverage options up to the day of your rental pickup, giving you peace of mind. If your travel plans change or need to be canceled, you will be eligible for a full refund.

Coverage under RentalCover includes:

  • Collision damage
  • Theft
  • Vandalism

Roadside assistance includes fuel delivery, key lockout, flat tire assistance, and towing services.

RentalCover is also compatible with any rental car company worldwide, which includes Lyft and Uber.

Insure My Rental Car

Cost: Starts at $9.75 per day

Insure My Rental Car is another great option that offers up to $100,000 in rental car coverage for damage or theft to the rented vehicle. A deductible isn’t required, and you are able to choose between a daily policy that covers you on a per-trip basis or an annual policy if you rent cars on a regular basis.

There is also the option of a yearly policy. However, if you select this plan, you can keep the same rental car for no more than 31 days at a time.

Roadside assistance is also available at an additional cost.

Other benefits offered:

  • Primary coverage
  • Personal property coverage
  • Worldwide coverage
  • Easy claims handling and processing

Currently, Insure My Rental Car is not available in Iowa, Massachusetts, New York, North Carolina, North Dakota, Rhode Island, South Carolina, Virginia, and Washington.

Insure My Rental Car’s policies can be used by U.S. residents at home or overseas and can also be used by non-U.S. residents when renting a car in the United States.

SURE

Cost: Starts at $9 per day

SURE is the first U.S. app-based rental car insurance that provides up to $100,000 of coverage for both theft or damage. Underwritten by Chubb, coverage also covers the theft, loss, or damage to any personal effects in the car.

Other benefits of SURE include:

  • Flat tire coverage
  • Coverage for the cost of draining and cleaning the fuel tank or accidental damage caused by driving with the wrong fuel
  • Lost key reimbursement
  • Towing charges

Since SURE is app-based rental insurance, you have mobile access to your policy from anywhere with a uniquely paperless experience. You won’t have to wait for documents to be mailed to you, as all policy forms can be instantly downloaded at your convenience.

SURE is available in all 50 states and overseas as well.

Allianz Global Assistance

Cost: Starts at $9 per day (and $7 per day for Florida residents)

Allianz’s OneTrip Rental Car Protector starts at $11 per day and provides up to $50,000 of coverage for collision, theft, or damages. Since this is primary coverage, this policy will pay out before your own auto insurance policy does.

Other benefits include:

  • Up to $1,000 for loss, damage, or theft of baggage and personal effects
  • Up to $1,000 of trip interruption coverage, which includes reimbursement for any unused or non-refundable portions of your trip and increased transportation costs if you need to return home early
  • 24-hour assistance hotline for any travel emergencies, including locating medical or legal assistance, sending messages home, helping with missed flights, and replacing lost or stolen travel documents

Allianz allows for full refunds up until the time of your rental car pick-up.

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Other Insurance Rental Options

Some car insurance companies already cover rental car insurance under their full coverage auto insurance policies, so let’s look at some of those.

Among the most popular are State Farm and GEICO.

What is covered under State Farm rental car insurance:

What is it?What It Covers
Car Rental ExpenseThis pays up to the amount specified in your policy when you or a relative who lives with you rents a car while your car is undrivable due to damage that would otherwise be payable under your comprehensive or collision coverage policy
Travel ExpensesThis pays for meals, lodging, and transportation home or to your destination – up to $500 per loss – if your car isn't driveable because of damage covered by your comprehensive or collision insurance done more than 50 miles from home. A return trip to pick up your car is also covered.
Repayment of Deductible ExpenseThis pays up to $500 for the deductible if you have an accident in a rental car.
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Does GEICO cover rental cars? Yes, it does.

GEICO rental car insurance is usually included in its personal car insurance policies and includes liability, comprehensive, and collision coverage.

Best Companies That Offer Rental Car Insurance Coverage: Key Takeaways

Rental insurance for a car that isn’t yours can be a bit tricky to figure out, especially when there are a ton of different options and companies to choose from. Luckily, our list provides you with comprehensive information to help you make an informed decision regarding your rental vehicle.

Since there are plenty of insurance companies that include rental car coverage under their policies, you may want to look into whether your car insurance company does as well before buying an additional policy.