Travel Car Insurance

You should carry travel insurance if you drive out-of-state. When buying travel car insurance, travel destinations, and frequency of travel are both important. Travel insurance policies are sold through travel agencies and most car insurance providers. Use our quote comparison below tool to save up to 20%.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jan 19, 2021

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Here's what you need to know...

  • You need travel insurance if you are planning on driving outside of your state
  • Travel insurance is available through travel agencies as well as through your insurance provider
  • If you are planning a trip, make sure you know all the details before purchasing travel insurance

When buying car insurance, travel destinations, and frequency of travel are both important. For many people, travel insurance constitutes a big part of their vacation expense.

If you are looking to save on your vacation, here in the U.S. or driving abroad, there are some money-saving tips you need to be aware of. However, you first have to choose the right insurer for your car insurance.

Enter your zip code above to access car insurance quotes from multiple companies today!

Choosing the Right Car Insurance Travel Firm


Applying for travel car insurance is easy. There are several different packages you can choose from. Some insurers offer medical and accident packages while others will insure you against water damage, lost baggage or damage to your property when on vacation. There is also a package against trip cancellation.

With this insurance, you will recoup most of your money in case your vacation is canceled either due to illness or other unexpected circumstances.

Travel car insurance rates depend on where you are going, your age, how long you will need the car, your past driving record and the mileage you are likely to cover. Before you apply for travel car insurance, make sure you have your travel package in place.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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How To Save On Your Travel Car Insurance Package

Here are some tips that will help you reduce your car insurance, travel costs and stress all at once:

  • Buy one policy that covers the whole family – Get a policy that covers the whole family rather than purchasing one per person. Family rates are usually cheaper and are available from all travel insurers.
  • Don’t buy travel insurance bundled with your vacation package – Unlimited coverage is usually more expensive than travel insurance that is offered separately.
  • Purchase an annual, multi-trip policy – A multiple-trip policy means that for one annual rate you will have emergency medical travel cover for all your travels within the year you purchased the policy.
  • Watch for loyalty incentives – Stick with an insurer who offers loyalty rewards. Some professional clubs also make arrangements with certain insurers to provide cover for their members at a discounted rate.
  • Compare travel insurance rates from different insurers – Shopping around for different car insurance quotes will save you a lot on your car travel insurance premiums.

Car Insurance Travel Tips


There are two basic types of car insurance travel coverage you can opt for. One is a temporary cover that is meant for vacationers on short visits. The other one is a comprehensive cover for those who intend to go on vacation for extended periods of time.

Some insurers automatically offer comprehensive car insurance travel coverage for three months if you are going on vacation in the U.S.

The motorist is not required to inform the insurer of the intended date of his vacation.

This coverage is ideal for short business trips and holiday travels. On the other hand, some insurers want to know beforehand the date of travel and the duration of the trip. They will inform you the amount of travel car insurance you are entitled to and what additional cover you can take.

When looking for a car travel insurer to purchase coverage from, keep the following in mind:

  • Determine how frequently your will be traveling to know whether you should take an annual rate or a daily rate. Annual rates are usually cheaper than daily rates.
  • Do a background check on the insurers to find out how fast they process claims. Look for online reviews of the companies from reputable consumer websites.
  • Compare the prices of different insurers using our free search tool. The cheapest insurer is not always the best one. Find out the experience of other customers with the company by reading online reviews.
  • Find out if your current insurer also offers car insurance travel coverage. Purchasing your travel package from your current insurer can entitle you to discounts.

The easiest way to find car travel insurers is to search online. Enter your zip code below to access car insurance quotes from multiple companies today!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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