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The Smart Way to Insure

Rental Car Insurance
Coverage Options

Trusted by licensed rental car companies across the United States. Compare five focused plans and choose the protection that fits your trip.
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Drive Confidently with Car Rental Insurance

Save more and stay protected with car rental insurance.

Renting a car should be easy and worry-free. Accidents, theft, or damage can happen anytime, and personal insurance or credit cards may leave gaps. Rental car insurance coverage fills those gaps with protection for damage, liability, and more, at daily rates that stay affordable. Compare the options below and get protected in minutes.

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Accepted by 1,200+ rental partners nationwide

Our coverage is recognized wherever your journey takes you

Alamo
Alamo
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Driveline
Driveline
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Enterprise
Enterprise
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Buget
Buget
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AVIS
AVIS
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Premier Auto
Premier Auto
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Panda Exotic
Panda Exotic
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Rent FYV
Rent FYV
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Alamo
Alamo
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Driveline
Driveline
Verified
Enterprise
Enterprise
Verified
Buget
Buget
Verified
AVIS
AVIS
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Premier Auto
Premier Auto
Verified
Panda Exotic
Panda Exotic
Verified
Rent FYV
Rent FYV
Verified
decision guide

Which Coverage Do You Need?

Every trip is different. Use these common situations to find your starting point.

  • You don't have personal auto insurance

     Start with RCLI for primary third-party liability.
  • You have auto insurance but want to protect your own policy

    Add SLI for excess liability that stands on its own.
  • You're worried about damaging the rental

    Add CDW for vehicle-on-vehicle collision protection.
  • You have auto insurance but want to protect your own policy

    Add SLI for excess liability that stands on its own.
  • You're traveling with luggage or valuables

    Add PAI & PEI for accidental death and personal belongings.
  • You're taking a long road trip

    Add 24/7 Roadside for tire, battery, lockout, fuel, and towing help.

The Five Coverages — brief summaries with pricing

Each plan below links to full details. Add what your trip needs, or skip what it doesn't.

RCLI

Renter's Contingent Liability Insurance

Primary liability insurance for rental cars at the legal statutory minimum. Covers injuries and property damage to others when you're at fault, with a $2,500 deductible. Valuable for international visitors and drivers without a personal auto policy.

$22.99 – $29.99/day
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CDW

Collision Damage Warranty

Covers vehicle-on-vehicle collision damage to your rental. Coverage maximum $35,000 ($1,000 deductible) or $50,000 ($2,500 deductible). Focused, affordable protection for the most common type of accident.

$25.99 – $39.99/day
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SLI

Supplemental Liability Insurance

Adds excess liability up to $100,000, with $20,000 bodily injury per person, on top of RCLI or your personal policy. Stands alone and won't affect your personal auto rates.

$11.99/day
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PAI & PEI

Personal Accident/Effects Insurance

PAI covers accidental death: $50,000 renter limit, $5,000 passenger limit. PEI covers luggage and belongings up to $500, excluding digital items, sunglasses, and currency.

$9.99/day
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All-in-one

24/7 Car Rental Emergency Roadside & Towing

Flat tire, dead battery, lockout, and fuel delivery, plus towing up to 25 miles to the nearest qualified repair center (fee per extra mile).

Add-on — pairs with any coverage above.

$6.99/day
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Detailed Coverage Comparison

Compare the plans side by side to find the right protection for your trip.

Feature RCLI CDW SLI PAI & PEI Roadside
Third-party liability Primary - Excess - -
Vehicle-on-vehicle collision - ✓ - - -
Excess liability limit Statutory min. - $100,000 - -
Bodily injury per person - - $20,000 - -
Accidental death (renter/passenger) - - - $50,000 / $5,000 -
Personal belongings - - - $500 -
Roadside & towing - - - - ✓ (25 mi)
What You May Already Have

Coverage and What You May Already Have

Before you choose, it helps to know where car insurance coverage for rental cars fits alongside other sources:

Rental counter coverage

Often available at pickup, usually at higher daily rates.

Personal auto insurance

May extend to rentals, though using it can affect your own policy after a claim.

Credit card benefits

Some cards include limited rental coverage, often secondary and with conditions.

Car rental insurance through CarRentalInsurance.com provides standalone coverage that fills these gaps, at daily rates set for value against the counter. See how it works.
exclusions at a glance

What's Not Covered

A quick view of common exclusions across plans:

  • CDW

    covers vehicle-on-vehicle collisions only. Vandalism, weather, road hazards, and theft are excluded, and certain vehicle makes and higher-value vehicles don't qualify. See CDW exclusions.
  • PEI

    excludes electronics, sunglasses, currency, and digital items.
  • Roadside

    fuel delivery covers the service; fuel cost is separate.
  • Eligibility

    Coverage is unavailable for rentals picked up in New York, Michigan, or the City of Philadelphia, PA. Exotic cars, vehicles with nine or more passengers, and commercial or rideshare use are excluded.
Explore Coverage
FAQ

Frequently Asked Questions

Find answers on coverage, pricing, claims, and eligibility for car rental insurance through CarRentalInsurance.com.
Which coverage do I need for a rental car?

It depends on your situation. Drivers without their own liability policy often start with RCLI, then add CDW for collision damage. Use the guide above to match protection to your trip.

Can I combine more than one coverage?

Yes. Pair RCLI with SLI for higher liability limits, or add PAI & PEI and roadside assistance for a fuller package.

What is the difference between RCLI and SLI?

RCLI acts as primary liability at the legal statutory minimum. SLI adds excess liability up to $100,000 on top of RCLI or your personal policy.

Does any plan cover my personal belongings?

Yes. Personal Effects coverage under PAI & PEI covers luggage and belongings up to $500, excluding electronics, sunglasses, currency, and digital items.

How long can coverage last?

Coverage runs in 24-hour periods for the term you select, up to 30 days. See how it works.

Where is coverage available?

Across the United States, except for rentals picked up in New York, Michigan, or the City of Philadelphia, PA. Review the terms before you purchase.

Find the Coverage
That Fits Your Trip

Compare your options and get protected before your next rental. Coverage begins at the start time on your rental agreement.
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