Compare Rental Car Reimbursement Coverage: Rates, Discounts, & Requirements [2023]
Rental car reimbursement insurance covers the cost of a rental car or other public transportation when your vehicle is being repaired or replaced after a covered claim. You can buy rental car reimbursement coverage from most major car insurance companies for as little as a few dollars a month, depending on your coverage limits.
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Justin Wright
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Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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UPDATED: Aug 16, 2023
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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: Aug 16, 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
- Rental car reimbursement insurance covers the cost of a rental car or public transportation after a covered claim
- Rental car reimbursement coverage has coverage limits based on the daily cost of a rental and the maximum amount covered per claim
- You can purchase rental car reimbursement insurance from many major car insurance companies for only a few dollars per month
If you have found yourself without transportation in the past due to an accident or other incident that required your car to be repaired or replaced, rental car reimbursement insurance may be the solution for your future needs.
Rental car reimbursement coverage can help you stay on the road if your car needs to be repaired or replaced, and it’s a relatively cheap car insurance option. Understanding your car insurance policy and having the right coverage is essential to making sure you’re covered.
If you’re looking to buy rental car reimbursement car insurance, enter your ZIP code to get rental car reimbursement car insurance quotes for free.
What is rental car reimbursement coverage?
Rental car reimbursement coverage is an optional add-on that you can add to a car insurance policy to provide coverage for a rental car or public transportation costs while your vehicle is being repaired or replaced after a covered claim.
Much of your rental car reimbursement coverage will depend on what other types of coverage you have. For example, if you have comprehensive coverage, your rental reimbursement policy will cover transportation for any incident that is covered by your comprehensive policy.
If you’re not at fault for an accident, rental car reimbursement for a not-at-fault accident will provide the same coverage.
Many car insurance companies will let you choose where to rent your vehicle, but some companies partner with specific car rental agencies, which can make payment easier. Instead of paying out of pocket and being reimbursed, the agency may be able to bill the insurance company directly.
Rental car reimbursement coverage may have an expense limit. For example, your policy could offer up to $30 a day with a maximum of $750 per claim.
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How much is rental car reimbursement insurance?
Rental car reimbursement insurance rates will vary based on the amount of coverage you purchase.
| Company | Rental Car Reimbursement Coverage | Rate per Month |
|---|---|---|
| State Farm | $25/day $600/claim | $1.36 |
| State Farm | $50/day $1,200/claim | $2.68 |
| State Farm | 80% of rental cost/day $1,500/claim | $1.55 |
| Geico | $30/day $900/claim | $2.35 |
| Geico | $50/day $1,500/claim | $3.93 |
| Esurance | $30/day $900/claim | $3.91 |
| Esurance | $40/day $1,200/claim | $5.10 |
| Nationwide | $30/day $900/claim | $3.45 |
| Nationwide | $40/day $1,200/claim | $4.93 |
| Nationwide | $50/day $1,500/claim | $6.48 |
| Nationwide | $60/day $1,800/claim | $8.00 |
| Nationwide | $75/day $2,250/claim | $10.47 |
There is generally no deductible for rental car reimbursement insurance, but you may have to pay a deductible for your other types of coverage.
You may want to choose a vehicle that does not exceed your daily coverage limit. If the cost of the rental car is more than your daily or maximum coverage limit, you will have to pay for the excess yourself.
Where can I find rental car reimbursement insurance?
Most major car insurance companies offer rental car reimbursement insurance as an optional add-on for your existing car insurance policy.
Some car insurance companies will have requirements that you must meet to buy rental car reimbursement coverage. For example, you may need to have collision or comprehensive coverage in place before obtaining rental car reimbursement insurance.
Is rental car reimbursement worth it?
Rental car reimbursement coverage may be worth the small monthly cost for some people. If you know you would not be able to afford to pay for the cost of a rental car or other transportation after an accident or other incident, you may want to pay for rental car reimbursement insurance.
If you can afford to pay for a rental car, then rental car reimbursement may not be the best option for you. However, for long-term needs, rental car reimbursement insurance can save you a large sum of money, even if you have to pay for some costs out of pocket.
You may want to base the amount of coverage you buy on the average car rental costs in your area. Paying a couple of dollars per month more for higher coverage limits could save you money in the long run.
If you need help finding an affordable rental car reimbursement car insurance company, enter your ZIP code into our free quote comparison tool below.
Frequently Asked Questions
What is rental car reimbursement coverage?
Rental car reimbursement coverage is an optional add-on to a car insurance policy that provides coverage for a rental car or public transportation expenses while your vehicle is being repaired or replaced after a covered claim. It helps you stay on the road during the repair process.
How much is rental car reimbursement insurance?
The cost of rental car reimbursement insurance varies based on the coverage limits you choose. Rates can be as low as a few dollars per month. It’s important to compare rates from different car insurance companies to find the best option for your needs.
Where can I find rental car reimbursement insurance?
You can find rental car reimbursement insurance from most major car insurance companies. It is typically offered as an optional add-on to your existing car insurance policy. Check with your current car insurance provider or explore quotes from different companies to find the coverage that suits you best.
Is rental car reimbursement worth it?
Whether rental car reimbursement coverage is worth it depends on your personal circumstances. If you wouldn’t be able to afford a rental car or alternative transportation after an accident or incident, then it may be worth the small monthly cost. However, if you can afford to pay for a rental car out of pocket, it might not be necessary. Consider your financial situation and the potential costs of renting a car before making a decision.
Does rental car reimbursement insurance have a deductible?
Generally, rental car reimbursement insurance does not have a deductible. However, it’s important to note that other types of coverage in your policy may have deductibles. Make sure to review your car insurance policy to understand any deductibles that may apply.
Can I choose any rental car agency with rental car reimbursement coverage?
Many car insurance companies allow you to choose the rental car agency of your preference. However, some companies may have partnerships with specific rental car agencies, which can simplify the payment process. In such cases, the rental agency may bill the insurance company directly, reducing the need for out-of-pocket expenses.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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.