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Best Car Rental Insurance Deals,
Without the Fine Print

Car rental insurance protects you against damage, liability, theft, and more during your rental period. Purchase online, pick your coverage dates and state, and receive proof of insurance by email.

  • Same-day booking
  • Cancel anytime
  • 24/7 claims support
★★★★★ 4.9 / 5
Rated by 50,000+ travelers
Underwritten by Sentinel Pacific
(NAIC #84112), A.M. Best A+ rated.

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Insurance is charged in 24-hour periods. A return time past the 24-hour mark bills an additional day.

Verified Network

Accepted by 1,200+ rental partners nationwide

Our coverage is recognized wherever your journey takes you

Alamo
Alamo
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Hertz
Hertz
Verified
Enterprise
Enterprise
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Budget
Budget
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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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Hertz
Hertz
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Enterprise
Enterprise
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Budget
Budget
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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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1,200+
Partner locations
50+
States covered
98%
Acceptance rate

Pick the Protection That Fits Your Trip

Five focused plans, no upsells, no asterisks. Buy only what you need — change or cancel any time before pickup.

RCLI

RCLI - Renter’s Contingent Liability Insurance

  • Primary Liability Insurance
  • Legal Statutory Minimum
  • Covers the costs of injuries and property damage to others if you are at fault
  • $2,500 deductible
$22.99 – $29.99/day
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CDW

CDW - Collision Damage Warranty

  • Coverage Maximum $35,000
  • $1,000 deductible
  • Coverage Maximum $50,000
  • $2,500 deductible
  • Covers vehicle-on-vehicle collisions only
$25.99 – $39.99/day
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SLI

SLI - Supplemental Liability Insurance

  • $100,000 Excess Liability Limit
  • $20,000 bodily injury per person
  • Secondary coverage to RCLI or your personal insurance policy
$11.99/day
Add to quote Explore
Travel

PAI & PEI - Personal Accident/Effects Insurance

  • PAI Covers Accidental Death
  • Renter Limit $50,000 / Passenger Limit $5,000
  • PEI Covers Luggage, Belongings, Etc. (Excludes digital items, sunglasses, and currency) Limit $500
$9.99/day
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All-in-one

24/7 Car Rental Emergency Roadside & Towing

Includes:

  • Flat Tire Service
  • Dead Battery Service
  • Lockout Service
  • Fuel Delivery
  • Towing up to 25 Miles (*fee per extra mile)

Add-on — pairs with any coverage above.

$6.99/day
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Why Choose Car Rental Insurance

Why Choose Car Rental Insurance

Trusted by licensed car rental companies across the United States. Get covered, start exploring.

  • Reliable Coverage

    Trusted protection for every rental car, nationwide, from an economy car to a luxury model.
  • Hassle-Free Process

    Select your rental dates and state, and your insurance for rental cars is ready in minutes.
  • Affordable Options

    Daily rental insurance priced for value, with flexible terms to match your trip.
  • Tailored for All Travelers

    Coverage for U.S. residents and international visitors, with straightforward access to protection on the road.
  • Comprehensive Protection

    From accidents to injuries, coverage options including RCLI, CDW, SLI, and PAI & PEI keep you protected wherever you go.
Explore Coverage
What Makes Us Different

Built for Drivers, Priced for Travelers

The protection you want from the counter, minus the markup, paperwork, and pressure.

Reliable Coverage

Trusted protection that covers what the counter offers.

Affordable Pricing

Daily rates that save you compared to rental counter prices.

Fast Claims

File your claim by email and get a response within 24 hours.

24/7 Support

Assistance available any time your trip runs into the unexpected.
Compare & save

Compare and Save on Rental Car Insurance

Rental car insurance priced for the road. At CarRentalInsurance.com, daily rates on car insurance for rental cars deliver savings against what you pay at the rental counter, with transparent pricing you can read at a glance.

Plans match your exact rental duration, so you pay for the days you need. A simple booking system lets you buy rental car insurance in minutes and keeps your coverage in your control.

  • Coverages

    All coverages run for 24 hours per item and cover up to 30 days total. Coverage begins at the start time on your signed rental agreement and runs in consecutive 24-hour increments for the term you purchase. Add RCLI, CDW, SLI, PAI & PEI, or roadside protection to build the plan your trip calls for.
  • Claim Process

    Enter your rental dates and state, add your coverage, and receive proof of insurance for rental cars by email. RCLI and CDW cover accidents, damage, and liability while you drive your rental car. To file, contact Car Rental Association Inc. by email or phone with your rental details, and their team handles the process from start to finish.
  • Daily Price

    Pay per day for the coverage you need, at a rate set to reflect value relative to rental counter prices. Flexible terms let you match your spend to your rental length and keep your car rental insurance cost in line with your trip.
Testimonials

Trusted by thousands of drivers

4.9/5 across 50,000+ verified reviews. Here's what travelers are saying after they actually used the coverage.

★★★★★

I rent cars often for business trips, and CarRentalInsurance.com has been a game changer. Their coverage is not only affordable but also provides way better protection than what the rental companies offer. It was easy to purchase, and I felt completely at ease knowing I was fully covered. Highly recommend!

Michael R.
Car Rental Insurance
★★★★★

I was skeptical about third-party rental insurance, but when I got into a minor accident, CarRentalInsurance.com handled everything smoothly. The claim process was fast, and I didn’t have to pay a dime above the deductible. So glad I chose them instead of the rental company’s overpriced options!

David S.
Car Rental Insurance
★★★★★

I used to buy insurance directly from the rental company, but their prices were outrageous. A friend told me about CarRentalInsurance.com, and I was amazed at how much I saved while getting even better coverage. The process was seamless, and I’ll never rent a car without it again!

Jessica L.
Car Rental Insurance
★★★★★

As a frequent traveler, I was always worried about getting the right insurance for my rentals in the U.S. CarRentalInsurance.com made it so simple. Their coverage gave me peace of mind, and I didn’t have to deal with confusing rental counter options. Best decision ever!

Emma W.
Car Rental Insurance
★★★★★

“I had a question before purchasing, and their customer service was top-notch—super friendly and knowledgeable. They walked me through everything, and I felt confident knowing I was getting the best coverage. I won’t rent a car without using CarRentalInsurance.com from now on!”

James P.
Car Rental Insurance
Blog

Latest insights & travel tips

Practical reads from claims adjusters, frequent travelers and the people who write the policies.

FAQ

Frequently Asked Questions

Find answers on coverage, pricing, claims, and eligibility for car rental insurance through CarRentalInsurance.com.

Is rental car insurance worth it?

Protection covers damage, liability, theft, and injuries that your personal policy or credit card may leave open. It shields your own auto coverage from a claim and gives drivers without adequate insurance a way to meet liability requirements. Plans run from $6.99 to $39.99 per day, so you pay for what your trip calls for.

How much does rental car insurance cost?

Daily rates by plan: RCLI $22.99–$29.99, CDW $25.99–$39.99, SLI $11.99, PAI & PEI $9.99, and 24/7 Roadside $6.99. Charges apply in 24-hour periods for the term you select, up to 30 days.

What does rental car insurance cover?

It depends on the plan: RCLI for third-party liability, CDW for vehicle-on-vehicle collision damage, SLI for excess liability, PAI & PEI for accidental death and personal belongings, and 24/7 Roadside for flat tires, dead batteries, lockouts, fuel delivery, and towing.

What is Renter's Contingent Liability Insurance (RCLI)?

RCLI provides liability coverage for customers who lack their own adequate policy, protecting against third-party claims during the rental period.

What is Collision Damage Warranty (CDW), and how does it work?

CDW covers damage to your vehicle from a vehicle-on-vehicle collision, protecting you from out-of-pocket repair expenses.

Are my personal belongings covered in the vehicle?

With Personal Effects Insurance (PEI), luggage and belongings are covered if stolen or damaged, excluding electronics, sunglasses, currency, and digital items like cell phones.

Can I purchase coverage as a foreign visitor renting in the United States?

Yes. Plans are available to U.S. residents and international visitors alike.

When does coverage need to be purchased?

Before the rental period begins. Protection starts at the time specified in the agreement you sign at the counter and runs in consecutive 24-hour increments for the term you buy.

Can I get a refund if my plans change?

Yes. Cancel before your scheduled start date for a full refund. On early vehicle return, unused days are refundable, less a 3.5% processing fee, with proof submitted by email.

What should I do if I need to file a claim?

Contact Car Rental Association Inc. at claims@carrentalassociation.com or (800) 640-7344, or submit the online form. Include clear photos of the vehicle's exterior taken before and after the rental period.

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