Can you find low-cost rental car insurance online?

You can find low-cost rental car insurance online when you know the make and model of the car you’ll be renting. There are other ways to find low-cost rental car auto insurance coverage, either through your credit card company or with a non-owner car insurance policy. Enter your ZIP code below to start comparing non-owner auto insurance quotes for free so you can find low-cost rental car insurance.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 4, 2021

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Rental cars can come in handy when going on vacation or when the family car is in the repair shop. And just like when driving the family car, drivers must carry car insurance protection when using a rental car. Searching for the cheapest car insurance quotes for rental cars can be found online. Rental car insurance provides a layer of financial protection in the event of injury or damages caused by an accident.

People looking at car insurance companies that provide rental insurance coverage have a variety of options to choose from besides the coverage offered through the rental car company. Affordable plan options are available through non-owner insurance policies, credit card company offers as wells as through a person’s existing insurance coverage.

Finding different plan options online is the easiest way to access the information needed to make an informed decision. Easily find and compare insurance plans. Enter your ZIP code into the FREE tool above!

Rental Car Company Coverage

In most states, auto insurance regulations require rental car companies to carry liability coverage on their cars regardless of whether a customer purchases insurance protection. Liability coverage protects against property damage and bodily injury. So, someone looking to rent a car automatically has these protections available at no cost.

Purchasing addition insurance protection for a rental car can provide added protection in the event the car gets stolen, vandalized or badly damaged as a result of an accident.

Additional protections also cover possible hospital and medical costs. When shopping for a rental car company, it’s not a bad idea to look into the types of insurance coverage offered by the company and the costs involved with purchasing insurance coverage.

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Insurance Plan Types

The types of plans offered by car rental companies are pretty much the same as those found in a personal auto insurance policy. Some of the more commonly used coverages include:

  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist protection

Many rental companies also offer additional waiver coverages, such as loss damage waivers and collision damage waivers. These waiver options are designed to provide increased liability protection on top of the liability coverage the company already carries.

Non-Owners Car Insurance

It’s not uncommon for people living in large metropolitan areas to use public transportation on a regular basis and forego the expense of owning a car. Non-owners car insurance provides protection in cases where a person drives a rental car, a friend or relative’s car or an employer’s vehicle.

Non-owner policy usually only offer liability protection, which pays for damages and injuries caused to others. This means any damages to the rental car or injuries to the driver are not covered. Since non-owner car insurance only provides liability protection, the costs to purchase a policy is considerably cheaper than purchasing insurance offered through the rental car company.

Unlike rental or personal car insurance coverages, there are no deductible payment costs required with most non-owner policy plans. However, states that require drivers to carry uninsured or underinsured motorist coverage most often will include a deductible requirement with non-owner insurance plans.

Credit Card Insurance Coverage

With the multitude of credit card offers available online, many of these offers include low cost rental car insurance coverage as an added card benefit. Credit card insurance can vary considerably from company to company and the conditions of the actual plan coverages can vary as well.

Some credit card companies offer rental car insurance for free provided the costs of the rental car are charged on the company’s credit card.

And even if there is a charge for rental car insurance, the cost to purchase insurance through the credit company may still be cheaper than purchasing insurance from the rental car company. As each credit card company contracts with their own insurance carriers, coverage provisions will vary from card to card.

One company may only provide property liability coverage while another may cover both bodily injury and property liability. Credit card insurance plans also include conditions that determine when the actual insurance protection applies. For instance, most of these insurance plans only pay out after all other existing policies have paid their maximum limits.

The differences in costs and coverage provisions makes it well worth a person’s while to do a little online research as credit card companies can offer low cost options for rental car insurance.

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Existing Insurance Coverage Options

People who carry personal auto insurance protection may want to review their existing coverage options when shopping for car rental insurance. Personal auto insurance plans that include collision and/or comprehensive coverages will oftentimes cover any damages or injuries resulting from an accident in a rental car. If this is the case, purchasing additional collision or comprehensive coverage if unnecessary.

In many cases, personal auto insurance coverage will only apply after other insurance plans have paid out to their maximum limits. This can pose a problem when a person’s credit card insurance and personal auto insurance carriers both claim secondary payment provider status.

This means a claim may take an unusually long time to get settled in cases where a person is relying on their credit card insurance to payout. Any deductible payment requirements attached to a personal auto policy will also have to be paid before the actual coverage kick in.

With all the insurance options available, drivers have a better chance of finding low cost rental car insurance protection by researching online and reviewing any existing coverages they may have.

And while no one wants to purchase too much insurance, its best to ensure the necessary protections are in place before an unexpected incident happens in a rental car.

Someone who doesn’t’ own a car and rents cars or uses others people’ cars on a frequent basis can also find low cost non-owner insurance coverage online with a little bit of research. If a person feels comfortable carrying the minimum liability coverage requirements, non-owner policies provide a cost-effective rental car insurance option. Find and compare auto insurance easily by entering your ZIP code into the FREE tool above!

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