Best Rental Auto Insurance That Covers Additional Drivers in 2026 (Top 8 Companies)

AAA, 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

If you want to get started on finding affordable rental car insurance for multiple drivers, use our tool to compare rates.

#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.

#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.

#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.

You may be able to get the additional driver fee waived at some rental companies.

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

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 Provider & Coverage Level

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.

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.