Best Rental Auto Insurance That Covers Additional Drivers in 2024 (Top 8 Companies)
AAA, State Farm, and Geico have the best rental auto insurance that covers additional drivers for $15/day. Some states allow you to add spouses for free, and Enterprise has free additional driver car rentals for all immediate family members. Scroll to find out how to have additional driver fees waived.
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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 25, 2024
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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 25, 2024
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.
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19,116 reviewsAAA, State Farm, and Geico have the best rental auto insurance that covers additional drivers.
Rental car companies also offer plenty of other great options for rental insurance. The process of adding a driver to car insurance is easy at these companies.
Our Top 8 Company Picks: Best Rental Auto Insurance That Covers Additional Drivers
| Company | Rank | Low Mileage Discount | Loyalty Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 30% | 10% | Membership Benefits | AAA |
 | #2 | 30% | 10% | Personalized Service | State Farm |
 | #3 | 25% | 10% | Many Discounts | Geico |
 | #4 | 20% | 15% | Convenience | Hertz |
 | #5 | 30% | 15% | Loyalty Discounts | Avis |
 | #6 | 25% | 15% | Flexibility | Enterprise |
 | #7 | 30% | 15% | Simple Booking | Budget |
 | #8 | 30% | 15% | Competitive Rates | Alamo |
If you want to get started on finding affordable rental car insurance for multiple drivers, use our tool to compare rates.
- AAA has the best rental auto insurance for multiple drivers
- State Farm and Geico also offer great rental car insurance
- You can also purchase rental insurance from the rental company
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#1 – AAA: Top Pick Overall
Pros
- Roadside Assistance: Whether your car breaks down due to a dead battery or a flat tire, AAA will help fix it or tow it to the nearest repair shop.
- Membership Benefits: AAA members get discounts on shopping and traveling. Learn more in our review of AAA.
- Coverage Options: Customers have a good selection of coverages to choose from, including rental car insurance.
Cons
- Fee for Membership: AAA auto insurance customers must also pay a small annual fee for AAA membership.
- Service Varies by Club: AAA auto insurance is sold by a number of different clubs, so customer service, discounts, and coverages can vary.
#2 – State Farm: Best for Personalized Service
Pros
- Personalized Service: Local agents provide personalized service to customers. Read our review of State Farm to learn more about its customer service.
- Financial Stability Ratings: State Farm’s high ratings help its ability to pay out claims and keep rates reasonable.
- Rental Reimbursement Coverage: If you need to rent a car while yours is being repaired, State Farm will cover the cost if you have rental insurance.
Cons
- Agent Purchases Only: You can’t purchase coverage online.
- UBI Discount Availability: You can’t participate in State Farm’s UBI program in a few states.
#3 – Geico: Best for Many Discounts
Pros
- Many Discounts: Geico’s discounts help make coverage affordable for most drivers. You can learn more about Geico’s discounts in our Geico review.
- Simple Claims Process: Geico has a simple claims process, with customers able to file online through the app.
- Rental Reimbursement Coverage: Geico will help cover the cost of a rental car if your car is in the repair shop after a covered claim.
Cons
- Mostly Virtual Communication: Geico doesn’t offer as many local agents as other companies.
- UBI Discount Availability: You can’t participate in Geico’s UBI program in a few states.
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#4 – Hertz: Best for Convenience
Pros
- Convenience: You can buy Hertz rental car insurance when renting a car from the company.
- Roadside Assistance: You get roadside assistance from Hertz, which is helpful in case of breakdowns (read more: Roadside Assistance Coverage).
- Multiple Rental Locations: Hertz has multiple locations across the U.S.
Cons
- Rates Fluctuate: If you rent during a time period when rentals are in high demand, you will have higher rates.
- Few Add-On Coverages: Hertz is a rental car company that provides basic coverage but doesn’t offer many add-on coverages.
#5 – Avis: Best for Loyalty Discounts
Pros
- Loyalty Discounts: Avis offers loyalty discounts for repeat customers. Learn more in our article: How to Get a Customer Loyalty Auto Insurance Discount.
- Clear Insurance Policy Terms: When you purchase rental insurance from Avis, the coverages and conditions are easy to understand in the rental agreements.
- Multiple Vehicle Sections: Avis has a good selection of cars at its locations.
Cons
- Younger Drivers Charged Higher Fees: Avis is best for drivers older than 25.
- No Cash Payments: You must pay with a credit or debit card, which Avis will keep on file.
#6 – Enterprise: Best for Flexibility
Pros
- Customer Service: Enterprise has good customer service ratings.
- Rental Policies Are Flexible: You can adjust coverages and coverage amounts to meet your needs (read more: Do you need proof of insurance to rent a car?).
- Multiple Locations: Enterprise locations are across the U.S.
Cons
- Fees Can Stack Up: Enterprise may cost more than you expected if you want various add-ons, as there are additional fees.
- No Cash Payments: Like most rental insurance places, you can’t pay for your car or insurance with cash.
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#7 – Budget: Best for Simple Booking
Pros
- Simple Booking: Booking a rental car and getting insurance with Budget is fairly easy.
- Online Reservation Discount: Budget will give you a discount if you book online.
- Multiple Locations: It should be easy to find a Budget rental location in most states.
Cons
- Fees for Additional Drivers: While Budget lets you add additional drivers, you do have to pay a fee to add them.
- Coverage for Pricey Vehicles Often Limited: Budget has fewer coverage options for high-end vehicles. Learn more in our article: Best Auto Insurance for Luxury Cars.
#8 – Alamo: Best for Competitive Rates
Pros
- Convenience: Purchasing Alamo auto insurance when renting a vehicle is simple.
- Competitive Rates: Alamo’s rates are competitive with other rental car companies.
- Multiple Locations: You should be able to find an Alamo rental car company in most states.
Cons
- Coverage Limited for Some Vehicles: You may not be able to purchase as much coverage on some types of vehicles at Alamo.
- No Cash Payments: You can’t pay with cash to book Alamo, as rental companies require a credit or debit card on file to charge in case of damages (read more: Can you pay for your auto insurance with cash?).
When Rental Car Insurance Covers Additional Drivers
Rental car insurance will cover additional drivers, although they may charge an additional fee if you add a driver on the rental. If you have personal auto insurance that covers your rental car, any additional drivers on your personal auto insurance plan will also be covered.
Read More: How to Add Someone to My Auto Insurance for 1 Week
If you are adding extra drivers to car insurance that you purchased from the rental company, you will have to add them to the policy to cover them.
If more than one driver will be driving the rental car, it is important to add them to the rental car policy.Dani Best Licensed Insurance Producer
You may be able to get the additional driver fee waived at some rental companies.
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States Where Rental Car Insurance Covers Additional Drivers
Adding another driver in most states often isn’t too expensive, as you can see from the rates below.
Rental Auto Insurance Daily Rates by State and Driver
| State | One Driver | Additional Driver |
|---|---|---|
| Alaska | $15 | $20 |
| Alabama | $12 | $17 |
| Arkansas | $12 | $17 |
| Arizona | $14 | $19 |
| California | $20 | $25 |
| Colorado | $15 | $20 |
| Connecticut | $16 | $21 |
| District of Columbia | $18 | $23 |
| Delaware | $14 | $19 |
| Florida | $18 | $23 |
| Georgia | $15 | $20 |
| Hawaii | $20 | $25 |
| Iowa | $12 | $17 |
| Idaho | $12 | $17 |
| Illinois | $15 | $20 |
| Indiana | $13 | $18 |
| Kansas | $12 | $17 |
| Kentucky | $13 | $18 |
| Louisiana | $15 | $20 |
| Massachusetts | $17 | $22 |
| Maryland | $16 | $21 |
| Maine | $13 | $18 |
| Michigan | $18 | $23 |
| Minnesota | $14 | $19 |
| Missouri | $13 | $18 |
| Mississippi | $12 | $17 |
| Montana | $12 | $17 |
| North Carolina | $14 | $19 |
| North Dakota | $12 | $17 |
| Nebraska | $12 | $17 |
| New Hampshire | $13 | $18 |
| New Jersey | $18 | $23 |
| New Mexico | $14 | $19 |
| Nevada | $20 | $25 |
| New York | $25 | $30 |
| Ohio | $13 | $18 |
| Oklahoma | $12 | $17 |
| Oregon | $15 | $20 |
| Pennsylvania | $16 | $21 |
| Rhode Island | $16 | $21 |
| South Carolina | $14 | $19 |
| South Dakota | $12 | $17 |
| Tennessee | $13 | $18 |
| Texas | $15 | $20 |
| Utah | $14 | $19 |
| Virginia | $14 | $19 |
| Vermont | $13 | $18 |
| Washington | $15 | $20 |
| Wisconsin | $13 | $18 |
| West Virginia | $13 | $18 |
| Wyoming | $12 | $17 |
The rental car insurance cost partly depends on the state in which you are renting. If you are renting out of the country, then you will need to look at companies like Allianz for rates (read our Allianz auto insurance review for more information).
How to Add a Driver to Rental Car Insurance
If you purchase rental car insurance at the rental company, you will add a driver when purchasing insurance. The driver must have a valid driver’s license to be added to the rental car insurance plans (learn more: How to Get Auto Insurance Without a License in 2024).
Likewise, if you are using your personal auto insurance, you must add the additional driver to your personal insurance policy. They must reside with you and have a valid driver’s license. You can get quotes from top companies like Geico to determine how much insurance will be for more than one driver.
How Much it Costs to Add a Driver to Rental Insurance
The cost of rental car insurance varies depending on which company you choose. The table below shows rates for one month of coverage if you pay per day.
Rental Auto Insurance Monthly Rates That Cover Additional Drivers by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $440 | $588 |
| Alamo | $413 | $533 |
| Avis | $415 | $565 |
| Budget | $407 | $547 |
| Enterprise | $412 | $532 |
| Geico | $331 | $498 |
| Hertz | $410 | $530 |
| State Farm | $434 | $583 |
The best companies also offer discounts that can help lower rates (learn more: Auto Insurance Discounts).
Some rental car companies offer promotional deals from time to time, so keep an eye out for deals at your favorite rental companies.
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Why You Might Not Need Rental Car Insurance
You may not need rental car insurance if your personal auto insurance policy covers rental cars. If they don’t cover you when you’re driving a rental, then you can usually buy rental car insurance online or buy insurance when you rent a car at the rental location.
Where to Find the Best Rental Car Insurance That Covers Additional Drivers
There are a number of great personal auto insurance companies that cover drivers in rental cars, as well as various rental car companies that insure more than one driver.
Learn More: Do you need proof of insurance to rent a car?
We recommend shopping around for a few quotes if you want to look for personal auto insurance for rental cars. You can compare rates now for rental car insurance using our free tool.
Frequently Asked Questions
Is rental car insurance worth it?
If your regular auto insurance company doesn’t extend coverage to your rental car, then rental car insurance is worth it. However, make sure to do your research into which rental car company has the best insurance before purchasing coverage.
Does personal auto insurance cover rentals?
Yes, most personal auto insurance companies will provide rental car insurance when you rent a car. However, double-checking is always wise, especially when adding extra drivers to auto insurance when renting a car. Read more about personal auto insurance and rental cars: Does my auto insurance cover rental cars?
Can I add a driver to my rental car?
Yes, you can add a second driver to your rental car, but there may be an additional driver fee.
Does my auto insurance cover additional drivers on rental cars?
You must verify with your auto insurance company, but most companies should cover additional drivers. You can learn more in our guide: Does auto insurance cover a second driver when renting a car?
Does credit card rental insurance cover additional drivers?
It varies by company, so check beforehand. If not, you must purchase rental car insurance for additional drivers.
How much is it to add a second driver to rental car insurance?
It depends on the company, as some may offer free additional driver car rental insurance. Others may tack on a small fee as an additional driver charge.
In which states are spouses automatic authorized drivers when renting cars?
California, Illinois, Missouri, Nevada, Oregon, and Wisconsin allow spouses to be automatically authorized users when renting cars. If you want to shop for rental car insurance coverage in these states, use our tool to compare rates. For those who are out-of-state, learn more about out-of-state coverage here: Auto Insurance for Out-of-State Drivers.
What happens if someone else is driving my rental car and gets in an accident?
If the additional driver is covered under your rental insurance or personal insurance, then the accident will be covered. Learn more about additional drivers here: Do you need auto insurance to drive someone else’s car?
Why do car rental companies charge for additional drivers?
Companies add an additional driver cost to offset the added risk of more than one driver driving the car.
Do you need extra insurance when renting a car in the U.S.?
You generally don’t need extra insurance unless your personal insurance company doesn’t cover rental cars.
Which rental car company has the best insurance rates?
Budget car rental tends to have some of the cheapest rental car insurance rates, as does Hertz and Alamo.
Will insurance pay for a rental car during repairs?
If you have rental car reimbursement coverage, your auto insurance company will pay for your rental car during repairs.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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
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.
