That means your car insurance meets the basic minimum requirements to drive on the road, but your car insurance doesn’t cover much else. This may be sufficient coverage, although you may also consider buying additional coverage – say, through your credit card company or the rental car company. However, if you get into an accident while driving a rental car, then you may need to pay a huge deductible along with other expenses. Rental car companies will charge you for lost income for every day the rental car cannot be used, for example.

No, you don't need your own car insurance to rent a car. Rental cars come with a minimum amount of liability coverage, but you may be able to get additional coverage through your credit card or by supplemental coverage from the rental car agency. Non-owner car insurance is coverage for licensed drivers who don't own a car but drive using rental cars, car sharing services, or borrowed vehicles. Drivers are eligible for non-owner insurance if they have a valid driver's license and do not own a vehicle. No hidden costs. However, major insurance companies that are known to generally offer non-owner car insurance coverage include Geico, State Farm and Progressive. Out of these companies, we found that Geico offered the cheapest non-owner car insurance policy quotes, at 26% less than the average annual cost. To purchase a non-owner auto insurance policy, you need only your driver's license number and a credit or debit card. You can rent a car without having a personal auto insurance policy because all rental cars come with basic liability insurance coverage. You will also have the opportunity to purchase more rental insurance coverage with a non-owner car insurance policy at the rental counter. You can also purchase rental car insurance from your credit card company or from certain insurance companies, including GEICO and Progressive. But you should never drive without a personal auto insurance policy. Enter your ZIP code below and start comparing auto insurance quotes in your area to find cheap coverage. If you have your own car insurance, then your own car insurance policy would supplement the insurance from the rental car agency. If you don’t have your own personal auto insurance, however, then you may wish to buy supplemental insurance coverage from the rental car company, through non-owners car insurance, or through your credit card. Alternatively, some choose to buy non-owners car insurance. Non-owners car insurance is ideal for those who do not own a vehicle of their own but drive a friend or relative’s vehicle frequently and want to remain covered. A non-owners car insurance policy is ideal for rental cars, allowing you to remain fully covered throughout your rental periodCheck with your credit card company or insurance provider to make sure you have adequate coverage. Additionally, consider bringing proof of coverage to the rental car company when getting your rental car. The rental car company may refuse to let you drive off the lot until you prove you have adequate coverage. In most cases, the above car insurance companies sell non-owners car insurance with only liability coverage. That means your car insurance meets the basic minimum requirements to drive on the road, but your car insurance doesn’t cover much else. This may be sufficient coverage, although you may also consider buying additional coverage – say, through your credit card company or the rental car company.

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