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How do I use my own insurance when renting a car?

I am flying to visit family and planning to rent a car to get around. Can I use my own insurance or do I have to get rental insurance?

Lauren Smith · Updated on Oct 7, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“Your

might provide coverage for rental cars. You can call your insurance before leaving for your trip to find out.

If your car insurance will extend coverage to a rental car, be sure you have the proper protection. Should you only have

liability coverage

on your policy, you’ll still need damage coverage for the rental car.

You can either get this coverage directly from the rental car company or check your credit card benefits. Most credit cards offer a collision damage waiver as a card benefit if you pay for the rental with your card.

If you’d like to update your car insurance coverage for your trip, try

. Jerry does the hard work of comparing personalized quotes from dozens of top providers in minutes for free.

Enjoy your trip!”

MORE:

What to do if you’re in an accident with a rental car?

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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