Rental Car Reimbursement (Costs, Coverage, & Quotes)

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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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's What You Need to Know

  • 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.

Rental Car Reimbursement Insurance Rates
CompanyRental Car Reimbursement CoverageRate per Month
State Farm$25/day
$600/claim
$1.36
State Farm$50/day
$1,200/claim
$2.68
State Farm80% 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
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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.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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