Does my state farm car insurance cover a rental car?

Asked By: Angustias Hasnaoui | Last Updated: 28th February, 2020
Category: automotive auto insurance
4.4/5 (840 Views . 17 Votes)
Chances are, if you already have State Farm car insurance with collision and comprehensive coverage, it'll carry over to your rental car. Your personal car insurance has a very high deductible, doesn't include adequate collision or comprehensive coverage, or doesn't cover rental cars (some don't).

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Beside this, does my State Farm insurance cover rental cars?

State Farm® rental reimbursement (or rental car coverage) can help cover the cost of a rental while your vehicle is not drivable or repairs are underway.

State Farm will pay the daily rental charge, which includes:

  • Daily rental rate.
  • Mileage charges.
  • Related taxes.
  • Certain limits.

Furthermore, how does car rental work with State Farm? If your car is in the repair shop because of damage that's covered by your comprehensive or collision insurance, car rental reimbursement will help pay the cost to rent a car you can use to get to work, to school, or for other day-to-day activities. If you rent from a company in our network, we'll pay them directly.

Besides, how do I know if my car insurance covers rental cars?

However, be sure to check your car insurance policy or call your insurance company to find out which coverages extend to your rental car. If you'll be paying for the rental with a credit card, check with your credit card company to see what additional rental car coverage is provided.

Does my State Farm Insurance cover a rental car in Canada?

When renting a car in the country, you will have to check your current insurance policy on coverage. For State Farm policy holders, comprehensive insurance covers rentals in the USA and Canada only. However, the coverage will depend on the limits on the private car insured with the company.

32 Related Question Answers Found

Should you get rental car insurance?

After all, a rental company's collision damage waiver, which protects against damage to the rental vehicle, can cost between $10 and $30 per day. And while your preexisting auto insurance or credit card benefits may already protect you in some cases, it's hard to determine on the spot how much they'll cover.

How much is Enterprise rental insurance per day?

Insurance Coverage offered by Enterprise. Damage Waiver (DW) ranges between $11.99 and $16.99 per day.

Does State Farm offer discounts on rental cars?

State Farm Center Car Rentals
Because with access to a car rental in State Farm Center, you're free to travel where and when you want. Book our cheap discounts, buckle up, and start your adventures with a rental car today.

Does my credit card cover rental car insurance?

Not every card affords the same coverage. Most Visa cards will cover theft, damage to the rental car, towing and loss-of-use charges if you do not have a personal auto insurance policy. A few credit cards automatically offer primary coverage, meaning you are covered even if you have your own car insurance.

Do I need additional insurance for rental car?


If you have sufficient liability coverage through your own auto insurance, you may not need to buy extra coverage from the rental agency. Collision/loss damage waiver (also known as an LDW or CDW) isn't technically insurance. If you damage the rental car, this waiver may help cover the cost of repairing it.

How do I get liability insurance for a rental car?

Buying insurance from the rental car company
You can typically purchase a collision damage waiver and other levels of liability and personal effects insurance directly at the rental car counter. It's a good idea to purchase coverage if: You don't have an Auto or personal property policy with us.

How do I rent a car with insurance?

How to get a rental car after an accident:
  1. Determine Who Is Paying. If you are filing an insurance claim, ask the adjuster about a rental.
  2. Schedule Rental & Repairs. Reserve your rental for the same date you plan to drop your car at the shop.
  3. Extend Your Rental. Repairs can take longer than expected.
  4. Repairs Complete.

Is there a deductible on rental car insurance?

While your regular car insurance policy may include collision coverage for rental cars, it most likely includes a deductible and may not pay for all the rental car company's charges, such as loss of use (charges for the money the company's losing while its car is in the shop).

Do insurance companies pay for car rentals?

If your car was damaged due to another driver's negligence, the other driver's insurance company should pay your rental car costs for a reasonable length of repair time. If your car is totaled, many companies will pay for your rental as a courtesy, but they are not required to do so.

Do I need proof of insurance for rental car?


If your car insurance policy covers you for any vehicle you drive, you don't have to purchase the rental car agency's insurance. If you cannot provide proof of insurance, the car rental agency requires you to purchase the insurance from them.

What happens if you damage a rental car?

If the rental car's bodywork gets damaged during your rental, your Collision Damage Waiver will cover it. It won't cover damage to other parts of the car, though, and you'll have to put some money towards the cost. Most of the time, they'll just take this out of the deposit you left when you picked the car up.

What happens if someone drives my car and has an accident?

If someone else is driving your car and another person causes the accident, the at-fault driver's insurance is usually responsible for covering costs. On the other hand, if the driver of your car is at fault, your car insurance will usually cover damages. However, there are some exceptions to this.

Does insurance follow the driver or car?

Contrary to popular belief, in case of an accident, car insurance follows the car — not the driver. Even if your friend has great coverage with the highest limits and the lowest deductibles, your auto insurance would have to cover the damages if your friend got into an accident while driving your car.

Can I add insurance to my rental car later?

To make sure you get covered, you must charge your entire car rental on your credit card and decline the supplemental collision damage coverage offered by the rental company. If you sign up for that insurance, you won't be covered by the credit card company.

Does Root insurance cover rental cars?


If you purchased rental coverage before the accident, yes! We offer coverage for a car rental or Lyft and other rideshare reimbursements. (for short-term needs) while your car is being repaired.

Which credit card is best for rental car insurance?

Best Personal Amex Credit Cards for Car Rental Insurance Coverage
  • The Platinum Card® from American Express (Staff Favorite)
  • Hilton Honors Aspire Credit Card from American Express.
  • Chase Sapphire Preferred® Card.
  • Chase Sapphire Reserve®
  • United MileagePlus® Club Card.
  • Ink Business Preferred℠ Credit Card.

Do you need insurance to rent a car enterprise?

You do not need your own car insurance in order to rent from Enterprise. We do offer several different types of insurance plans to protect you in the event of an accident.