Does auto insurance cover rental cars?
There are many different parts to an auto insurance policy, so you may need to know if GEICO offers rental car insurance. While they don't offer a specific rental policy, your existing coverage may extend to a rental vehicle.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 12, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Oct 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- In most cases, whatever coverage you have with your Geico auto insurance policy will extend to a rental car
- You may be interested in purchasing additional coverage on your rental car if you have a liability-only policy
- Your Geico insurance rates will depend on your age, the type of coverage you have, and other factors
If you have auto insurance coverage with Geico, you may be curious whether you can get rental car coverage with the company. The good news is that the insurance you carry on your vehicle should also automatically cover any rental car.
But should you still purchase insurance for a rental car, or do you have enough coverage that you don’t need to worry about it? Before making any final decisions on rental car insurance coverage, you should consult your auto insurance policy.
Does Geico cover rental cars?
While there is no Geico rental car insurance or Geico insurance for rental cars specifically, your Geico auto insurance policy should extend to any rental car in your name.
With Geico, insurance for rental cars is covered under a standard auto insurance policy. But you only have as much coverage on your rental as you do on your vehicle. If you have a full coverage policy that includes both collision and comprehensive coverage, those coverages also extend to your rental car.
But if your car insurance policy only covers liability, you may need to consider purchasing additional coverage through the rental company when you sign for your rental car.
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Is liability coverage enough for renting a car?
According to Geico, policyholders should consider purchasing additional coverage on their rental car if all they have is a liability policy. The main reason is that liability car insurance coverage only covers damage you cause to other people and their vehicles. So if you’re in an accident and you’re at fault, your liability insurance will not help you pay for the damages to the rental car.
The best coverage to help with damage from accidents is collision coverage. Collision auto insurance works to cover your vehicle if you are in a car accident, even if you are at fault. However, collision coverage has limits, and you must pay a deductible before your insurance kicks in.
How much is rental car coverage?
Different rental car companies charge different amounts for coverage. The table below shows other companies’ average amounts for rental car coverage.
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As you can see, Enterprise’s rates are significantly higher than other companies, and Budget comes out as the least expensive rental car insurance option. However, if other companies offer better rates for rentals, the insurance price may not matter as much.
Regardless of the company you choose for your rental car, it’s evident that rental car insurance rates are much higher than standard insurance rates for the same coverage.
Can I get a Geico car rental discount?
There are no Geico discounts on rental cars, but you can get rental reimbursement with Geico, which could help you save money on renting a car if you ever need a rental while your vehicle is being repaired.
With Geico, rental cars are covered under the company’s rental reimbursement program, but this coverage only helps if you need a rental car because yours requires repairs. Keep in mind that rental reimbursement will not help you pay for a rental car when you go on vacation in a different state.
To get rental reimbursement with Geico, you can contact a Geico agency near you to see how much the coverage would cost in terms of monthly rates.
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Should I get full coverage on my vehicle?
If it works with your budget, you should consider purchasing a full coverage policy on your vehicle. Full coverage offers you financial protection if you’re in an accident, your car is vandalized, your car incurs damage from hail or other inclement weather, and much more.
The table below shows average rates for liability and full coverage car insurance in each state, along with rates from Geico.
GEICO Full Coverage Auto Insurance Rates by State
State Average by State Geico Annual Premium
Alaska $3,421.51 $2,879.96
Alabama $3,566.96 $2,866.60
Arkansas $4,124.98 $3,484.63
Arizona $3,770.97 $2,264.71
California $3,688.93 $2,885.65
Colorado $3,876.39 $3,091.69
Connecticut $4,618.92 $3,073.66
District of Columbia $4,439.24 $3,692.81
Delaware $5,986.32 $3,727.29
Florida $4,680.46 $3,783.63
Georgia $4,966.83 $2,977.20
Hawaii $2,555.64 $3,358.86
Iowa $2,981.28 $2,296.16
Idaho $2,979.09 $2,770.68
Illinois $3,305.48 $2,779.16
Indiana $3,414.97 $2,261.07
Kansas $3,279.62 $3,220.65
Kentucky $5,195.40 $4,633.59
Louisiana $5,711.34 $6,154.60
Maine $2,953.28 $2,823.05
Maryland $4,582.70 $3,832.63
Massachusetts $2,678.85 $1,510.17
Michigan $10,498.64 $6,430.11
Minnesota $4,403.25 $3,498.54
Missouri $3,328.93 $2,885.33
Mississippi $3,664.57 $4,087.21
Montana $3,220.84 $3,602.35
North Carolina $3,393.11 $2,936.69
North Dakota $4,165.84 $2,668.24
Nebraska $3,283.68 $3,837.49
New Hampshire $3,151.77 $1,615.02
New Jersey $5,515.21 $2,754.94
New Mexico $3,463.64 $4,458.30
Nevada $4,861.70 $3,662.09
New York $4,289.88 $2,428.24
Ohio $2,709.71 $1,867.19
Oklahoma $4,142.33 $3,437.34
Oregon $3,467.77 $3,220.12
Pennsylvania $4,034.50 $2,605.22
Rhode Island $5,003.36 $5,602.63
South Carolina $3,781.14 $3,178.01
South Dakota $3,982.27 $2,940.29
Tennessee $3,660.89 $3,283.42
Texas $4,043.28 $3,263.28
Utah $3,611.89 $2,965.57
Virginia $2,357.87 $2,061.53
Vermont $3,234.13 $2,195.71
Washington $3,059.32 $2,568.65
West Virginia $2,595.36 $2,120.80
Wisconsin $3,606.06 $3,926.20
Wyoming $3,200.08 $3,496.56
Median $3,660.89 $3,073.66
Geico rates for full coverage are lower in each state than the average coverage cost. Still, a full coverage auto insurance policy can cost hundreds or even thousands more than a liability-only policy.
If you choose to purchase a full coverage policy, your full coverage will extend to your rental car, and you can avoid paying up to $60 per day in rental car insurance.
Should I switch to Geico for car insurance?
With Geico, rental car coverage is included in your insurance. But this is also the case with many other auto insurance providers, and it should not be the only reason you choose Geico as your car insurance provider.
You should shop around and compare car insurance rates to know whether Geico is your best option for insurance.
You can go to one of many Geico locations near you or get a free quote from the company online. Compare the cost of coverage with Geico to the cost of auto insurance with multiple providers to ensure you don’t end up paying too much for car insurance.
Geico Rental Car Coverage: The Bottom Line
While not offering any specific auto insurance for rental cars, Geico still provides you with some choices. If you have a car insurance policy with Geico, your coverage extends to your rental car. However, if you do not have full coverage on your vehicle, you may need to purchase rental car insurance through the rental company.
If your budget allows, you should consider purchasing both collision and comprehensive coverage on your vehicle to ensure it is protected in virtually every circumstance.
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Frequently Asked Questions
Does auto insurance cover rental cars?
If you have auto insurance coverage with GEICO, your existing coverage may extend to a rental vehicle. GEICO does not offer a specific rental car insurance policy.
Is liability coverage enough for renting a car?
Liability coverage may not be sufficient for renting a car as it only covers damage you cause to other people and their vehicles. If you’re at fault in an accident, your liability insurance will not help pay for damages to the rental car.
How much is rental car coverage?
The cost of rental car coverage varies depending on the rental car company. Rates can differ significantly, with Enterprise being the most expensive and Budget being the least expensive option.
Can I get a GEICO car rental discount?
GEICO does not offer discounts specifically for rental cars. However, they provide rental reimbursement coverage, which can help you save money on renting a car if your vehicle requires repairs.
Should I get full coverage on my vehicle?
If it fits within your budget, purchasing a full coverage policy for your vehicle is recommended. Full coverage offers financial protection in various situations, including accidents, vandalism, and damage from weather conditions.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.