Travel Car Insurance: Rates, Discounts, & Requirements [2025]
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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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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
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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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!
Case Studies: Illustrating the Importance of Travel Car Insurance
Case Study 1: Lost Baggage and Trip Cancellation
Sarah, a frequent traveler, planned a two-week vacation to a tropical destination. Unfortunately, her luggage went missing during a layover, and she had to purchase essential items and clothing to continue her trip.
Additionally, due to unforeseen circumstances, Sarah had to cancel her vacation halfway through. Thanks to her travel car insurance, Sarah was able to recoup the expenses for the lost baggage and the unused portion of her trip.
Case Study 2: Rental Car Accident
John, a business traveler, rented a car for a conference in a different state. While driving to the venue, he was involved in an accident that caused significant damage to the rental car.
As John had travel car insurance, he was covered for the repair costs, saving him from having to pay out of pocket.
Case Study 3: Medical Emergency Abroad
Lisa and her family embarked on an international vacation. During their trip, Lisa’s young son fell ill and required immediate medical attention.
The travel car insurance they had included medical coverage, ensuring that their son received the necessary treatment without worrying about hefty medical expenses in a foreign country.
Case Study 4: Extended Vacation Coverage
Mark and Emily planned an extended vacation abroad for six months. They obtained comprehensive travel car insurance to protect themselves and their rental car during their extended stay.
This coverage provided them peace of mind, knowing that they were protected against accidents, damage, theft, and liability throughout their trip.
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Frequently Asked Questions
What is travel car insurance?
Travel car insurance is a type of insurance coverage that provides protection for rental cars or cars used during travel. It typically covers expenses related to accidents, damage, theft, and liability while using the rental car or driving your own vehicle in a foreign country.
What are the benefits of travel car insurance?
Travel car insurance offers several advantages, including:
- Coverage for rental cars: It provides financial protection for damages or theft that may occur to a rental car during your trip.
- Liability coverage: It helps cover the costs associated with bodily injury or property damage to others caused by an accident involving the rental car or your own vehicle during travel.
- Peace of mind: With travel car insurance, you can enjoy your trip without worrying about potential car-related expenses.
Are there any discounts available for travel car insurance?
Yes, many insurance providers offer discounts on travel car insurance. Common discounts include:
- Multi-policy discount: If you already have an insurance policy with the same provider, you may be eligible for a discount on your travel car insurance.
- Membership discounts: Some insurance companies offer discounts to members of certain organizations or associations.
- Safe driver discount: If you have a good driving record, you may qualify for a discount on your travel car insurance premium.
What factors affect travel car insurance rates?
Several factors can influence the rates of travel car insurance, such as:
- Destination: Rates may vary depending on the location you plan to visit.
- Rental car value: The value of the rental car or the value of your own car used during travel can impact the insurance rates.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles may result in higher premiums.
Are there any requirements for purchasing travel car insurance?
The specific requirements for purchasing travel car insurance may vary between insurance providers. However, some common requirements include:
- Minimum age: Typically, you need to be at least 21 years old to purchase travel car insurance.
- Valid driver’s license: You will need a valid driver’s license to be eligible for coverage.
- Rental car reservation: If you are renting a car, you will likely need to provide the details of your rental reservation.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.