Does GEICO insurance cover rental cars?

What you need to know about GEICO insurance and rental car coverage

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • 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 insurance 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.

Average Cost of Rental Car Insurance with Different Rental Companies
 Loss Damage WaiverLiability CoveragePersonal Accident and Personal Effects CoverageTotal Cost for Rental Car Insurance Per Day
Enterprise$30$17$13$60
Budget $9$15$7$31
Hertz$27$19$7$53
Alamo$25$13$6$44
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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 car rental discounts, 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
StateAverage by StateGeico 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
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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

GEICO does not offer rental car insurance, but 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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