Enterprise Rental Car Insurance Review [2024]
Our expert Enterprise rental car insurance review finds that policies start as low as $12/day. Enterprise rental car insurance costs will vary based on policy type, so use our guide to compare car rental insurance coverage from multiple companies before buying insurance through Enterprise Rent-a-Car.
Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
UPDATED: Feb 28, 2024
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: Feb 28, 2024
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.
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Enterprise
Average monthly rate for good drivers:
$13A.M. Best rating:
NAComplaint level:
LowPros
- Provides peace of mind
- Easy process if you need to file a claim
- Rates are generally affordable
Cons
- Might be unnecessary since most regular car insurance policies cover rental cars
- Your rental might also be covered if you pay with a credit card
- Daily rental insurance fees can add up quickly
Final Verdict: Review of Enterprise
The typical Enterprise rental car insurance review by customers states that purchasing coverage is often worth it simply for the peace of mind. However, you can probably skip the extra coverage if you have a personal auto insurance policy or your credit card covers rentals.
If finding cheap rental car insurance is a factor while searching for a rental vehicle, comparing rates can help you pick the best coverage.
What You Should Know About Enterprise
- Enterprise rental car insurance costs about $12 per day
- You can add extra Enterprise coverage for additional fees
- You can skip Enterprise insurance if you have a personal policy
When you rent a car from Enterprise, you might need to add rental car insurance. Many drivers are covered in their rentals by a personal policy or credit card, but Enterprise offers coverage if that doesn’t apply to you.
Explore our Enterprise rental car insurance review below to see if Enterprise rental insurance is the right solution for your needs. Then, compare other rental car insurance options to find the most affordable plan.
How to File an Enterprise Insurance Claim
If you get into an accident while driving your Enterprise rental, there are a few things you should do to take advantage of your car rental insurance coverage. Check Enterprise’s recommendations below if you opted for Enterprise rental insurance.
If you have a personal policy you want to cover a rental car with, you’ll follow the normal steps for how to file a car insurance claim. Usually, that means using your company’s app or website or by calling the claims number.
For drivers using a credit card that covers rental cars, simply call your card’s customer service number.
Regardless of which option you use, a company representative will know the next steps to take, including how to assess damage for car insurance purposes, documentation you might need, and what you should do with the car.
When to Add Enterprise Rental Car Insurance
You should add insurance through Enterprise Rent-a-Car when you don’t have a policy for a personal vehicle and are not covered by a credit card program. Explore the difference between primary vs. secondary car insurance to learn more about credit cards that cover rental vehicles.
It’s best to purchase Enterprise rental insurance before you drive the car. Purchasing a plan after you’ve started driving can lead to Enterprise rental car insurance disputes in case you need to file a claim.
Enterprise Insurance Coverage Options
You don’t need a personal policy to rent a car from Enterprise, though there are benefits to having a plan with rental car reimbursement coverage included. You will need some coverage before you can drive your Enterprise rental, however.
First, you’ll need to meet the minimum amount of coverage required in your state. Many types of car insurance are included by state law, but liability car insurance is the most common.
Car insurance is required in most states before you can drive on a public road, and that includes rental vehicles. Driving without insurance can lead to serious consequences like losing your license, expensive fines, and even jail. You should always have coverage on a rental, even if you’ll be driving it for just a few hours.
Laura Gunn Insurance and Finance Expert
Purchasing only liability insurance is your cheapest option, but you should be aware of car insurance coverage limits. Liability only pays for damage you cause to other drivers and their vehicles — you’ll have to pay for your rental from your own pocket.
Get the Right Enterprise Rental Car Insurance Coverage
If you want more protection, there are a few Enterprise car rental additional insurance options. These include:
- Enterprise damage waiver: While not exactly collision car insurance, the Enterprise collision damage waiver excuses you from paying for damage to your rental.
- Personal effects coverage (PEC): Add PEC to your rental, and Enterprise will pay for personal belongings damaged in your rental after a qualifying event.
- Supplemental liability protection (SLP): SLP insurance is extra liability coverage to protect you from third-party liability claims. You can purchase up to $300,000 in SLP coverage.
- Roadside assistance protection (RAP): RAP coverage sends help when you’re stranded with an empty gas tank or missing keys. If you want to add insurance after renting a car, you’ll need to return to an Enterprise to have your vehicle inspected.
Keep in mind that these are optional coverages and will increase your daily insurance costs. However, many Enterprise rental car insurance assessments report that the extra coverage can be worth the additional costs in some situations.
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Enterprise Insurance Rates Breakdown
One concern drivers have about purchasing extra insurance on a rental car is the cost. However, Enterprise rental car insurance reviews say the extra protection is generally affordable.
Check below to see how the average cost of Enterprise insurance compares to other rental companies.
| Company | Loss Damage Waiver (LDW) | Supplemental Liability Insurance (SLI) | Personal Effects Insurance (PEC) |
|---|---|---|---|
| ACE | $15 | $11 | $10 |
| Alamo | $17 | $13 | $12 |
| Avis | $13 | $12 | $11 |
| Budget | $13 | $12 | $11 |
| Dollar | $16 | $11 | $10 |
| Enterprise | $13 | $13 | $12 |
| Hertz | $13 | $12 | $11 |
| National | $17 | $13 | $12 |
| Thrifty | $16 | $11 | $10 |
You might notice that Enterprise rental car insurance rates are about average compared to other companies. At just $13, the price of most Enterprise car rental insurance options is worth the extra protection.
How to Lower Enterprise Rental Car Insurance Costs
One of the easiest ways to lower your Enterprise rental car insurance cost per day is to look for discounts. Most rental car companies offer a few discounts, including Enterprise. Check below to see how much you might be able to save.
| Company | M-F Discount | Sa-Su Discount | AAA Discount | Govt/Military Discount | Free Upgrades |
|---|---|---|---|---|---|
| ACE | 10% | 5% | 5% | 10% | No |
| Alamo | 15% | 10% | 10% | 15% | Yes |
| Avis | 20% | 15% | 15% | 20% | Yes |
| Budget | 15% | 10% | 10% | 15% | Yes |
| Dollar | 10% | 5% | 5% | 10% | No |
| Enterprise | 20% | 15% | 15% | 20% | Yes |
| Hertz | 15% | 10% | 10% | 15% | Yes |
| National | 20% | 15% | 15% | 20% | Yes |
| Thrifty | 10% | 5% | 5% | 10% | No |
Keep in mind that discount availability often varies by location. If you’re interested in discounts, an Enterprise representative can tell you what’s available in your area.
Just be wary of purchasing Enterprise rental insurance online. Some sites offer discounts but end up being Enterprise car rental insurance scams. If you’re unsure if you’re on a legitimate site, you can always call the Enterprise customer service number to check.
Frequently Asked Questions
How much is Enterprise rental car insurance per day?
Typically speaking, Enterprise rental car insurance costs $12 per day. However, your costs will increase if you add additional coverage.
Is it worth getting extra Enterprise rental car insurance?
Many drivers elect Enterprise rental car insurance for the peace of mind it brings. It’s also worth getting Enterprise rental car insurance if you don’t have a personal policy to rely on.
Does Enterprise rental car insurance cover scratches?
It depends on the type of coverage you purchase. An Enterprise damage waiver covers light damage to your rental, including scratches, dings, and dents.
What is Enterprise supplemental liability protection?
Supplemental liability protection (SLP) is extra liability insurance you can purchase for your rental. SLP coverage protects you from third-party liability claims up to a maximum of $300,000.
Is the Enterprise collision damage waiver worth it?
Many Enterprise rental car insurance answers say the collision damage waiver is worth the price. The waiver is typically affordable and can save you from expensive repairs in case something damages your vehicle.
How does Enterprise determine damage for car insurance?
Like other rental companies, Enterprise has a team of assessors who determine how much damage has been done to a vehicle. The assessor compares the current state of a vehicle to the pre-inspection notes before you started driving.
What is the difference between a damage waiver and a collision damage waiver?
A damage waiver and collision damage waiver are very similar, with only one key difference. A damage waiver typically includes damage caused by theft, while a collision damage waiver only covers damage caused in an accident.
What insurance do you need when renting a car in the U.S.?
Most states require liability insurance before you can drive on a public road, but laws change from state to state. Make sure to check state requirements before you start driving to make sure you’re covered.
Does umbrella insurance cover a rental car?
Umbrella insurance – which covers expenses if you reach your liability insurance limits – usually applies to rental cars.
Will my credit card cover rental car insurance?
Some credit cards cover rental cars, but you’ll need to check your card’s specifics to see if your company offers coverage.
Who pays for a rental car after an accident?
If your personal vehicle is damaged in an accident, your insurance policy might cover a rental. You’ll need rental car reimbursement coverage to have a rental vehicle covered — otherwise, you’ll have to pay for a rental from your own pocket.
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Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
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.