Best Auto Insurance With Rental Reimbursement Coverage in 2025 (Top 10 Companies)
Farmers, Erie, and AAA offer the best auto insurance with rental reimbursement coverage with starting rates at $87/month. These providers are known for their affordable rates and comprehensive coverage options, including flexible rental reimbursement benefits for drivers in need of a rental car after an accident.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Jan 14, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jan 14, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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1,883 reviewsCompany Facts
Full Coverage With Rental Reimbursement
A.M. Best Rating
Complaint Level
Pros & Cons
1,883 reviews
3,027 reviewsCompany Facts
Full Coverage With Rental Reimbursement
A.M. Best Rating
Complaint Level
Pros & Cons
3,027 reviewsFind the best auto insurance with rental reimbursement coverage from Farmers, Erie, and AAA, starting at $87 monthly.
Farmers is the most affordable option. Erie and AAA provide strong customer service and comprehensive coverage, making them solid choices. Read more about our “Best Full Coverage Car Insurance” for more details.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | A | Flexible Coverage | Farmers |
 | #2 | 25% | A+ | Affordable Rates | Erie |
 | #3 | 30% | A+ | Trusted Brand | AAA |
 | #4 | 25% | A | Rental Guarantee | Liberty Mutual |
 | #5 | 25% | A+ | Broad Protection | Allstate |
 | #6 | 30% | A+ | Reliable Service | Amica |
 | #7 | 17% | B | Comprehensive Options | State Farm |
 | #8 | 10% | A+ | Member Benefits | Progressive |
 | #9 | 25% | A | Customer Focused | American Family |
 | #10 | 25% | A++ | Low Premiums | Geico |
These top providers stand out for their competitive pricing and dependable rental reimbursement options.
Enter your ZIP code to explore which companies have the cheapest auto insurance rates.
- Find the best auto insurance with rental reimbursement coverage starts $87/month
- Get tailored coverage for quick access to rental cars during repairs or accidents
- Farmers offer top-rated rental reimbursement coverage with reliable claims service
#1 – Farmers: Top Overall Pick
Pros
- Affordable Coverage: Farmers offer rental reimbursement coverage rates at $90 per month with comprehensive options. See more on “Farmers Insurance Review.“
- Top Pick for Rental Reimbursement Coverage: Farmers is the best option for reliable rental reimbursement, giving you peace of mind.
- Multi-Policy Discounts: Farmers bundle several policies together to reduce rental reimbursement costs.
Cons
- Higher Premiums for Comprehensive Coverage: Premiums can rise for more extensive coverage options.
- Limited Customization: Farmers provide great coverage but have fewer customization choices than other insurers.
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#2 – Erie: Best for Affordable Rates
Pros
- Affordable Rates: Erie offers competitive rates, with rental reimbursement coverage starting at $94 per month (Read More: Does Erie Insurance offer personal injury protection (PIP) coverage?).
- Comprehensive Coverage Options: Erie’s rental reimbursement coverage makes all the difference when there’s an unexpected situation.
- Reliable Claims Service: Erie is known for quick and efficient claims processing for rental reimbursement.
Cons
- Higher Rates for Premium Coverage: Premiums can cover extensive rental reimbursement.
- Limited Availability: AAA’s rental reimbursement coverage is unavailable in all regions.
#3 – AAA: Best for Trusted Brand
Pros
- Comprehensive Coverage: AAA provides responsible coverage of unexpected car bills with solid rental reimbursement coverage.
- Affordable Rates: AAA’s coverage rates start at $92 per month, providing an affordable option for rental car protection.
- Reliable Customer Service: AAA insurance reviewis known for excellent customer service, which makes it easier to manage rental reimbursement.
Cons
- Higher Premiums for Full Coverage: AAA’s premiums could increase with rental reimbursement coverage.
- Limited Availability in Some Regions: AAA’s rental reimbursement coverage may not be available in all areas.
#4 – Liberty Mutual: Best for Rental Guarantee
Pros
- Comprehensive Coverage: Liberty Mutual provides broad rental car coverage for many situations.
- Reliable Support: Liberty Mutual’s customer service is quick and helpful with rental reimbursement claims. Check “Liberty Mutual Auto Insurance Review” for more details.
- Flexible Payment Plans: Liberty Mutual offers rental reimbursement coverage with rates starting at $89 per month and flexible payment options.
Cons
- Higher Premiums for Extra Coverage: Liberty Mutual’s’ premium can increase for more rental reimbursement coverage.
- Availability May Differ: Liberty Mutual might not offer rental reimbursement coverage in all states.
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#5 – Allstate: Best for Broad Protection
Pros
- Comprehensive Rental Reimbursement: Allstate provides wide coverage for rental cars.
- Low Starting Rates: Get rental reimbursement coverage starting at $88 per month.
- Strong Claims Support: Allstate is known to have reliable claims handling and reimbursement.
Cons
- Higher Costs for Premium Coverage: Allstate’s rates may increase for comprehensive coverage, making it expensive for some drivers.
- Complex Policy Details: Some policyholders may find Allstate’s coverage options complicated. See more in our “How do I renew my car insurance policy with Allstate?“
#6 – Amica: Best for Reliable Service
Pros
- Affordable Coverage: Amica offers rates starting at $98 monthly, with rental car reimbursement insurance coverage available.
- Flexible Coverage Plans: Amica offers extensive rental reimbursement coverage as its resilient plans.
- Discounts on Multiple Policies: Amica provides discounts for bundling home and auto insurance, reducing costs on rental reimbursement coverage.
Cons
- Premiums Can Be Higher for Comprehensive Coverage: Premiums can increase for higher coverage levels.
- Limited Availability: Amica’s coverage options may not be available in all states. Browse our guide titled “Amica Homeowners Insurance Review.“
#7 – State Farm: Best for Comprehensive Options
Pros
- Affordable Price: State Farm offers monthly rental reimbursement coverage for $87. For more details, see the “State Farm Insurance Review.“
- Reliable Claims Handling: State Farm can quickly assist with rental reimbursement claims.
- Wide Range of Coverage: Rental reimbursement coverage can be adjusted to fit the needs of the client
Cons
- Higher Premiums for Full Coverage: The cost of rental reimbursement can be increased for full coverage.
- Fewer Discounts for Multi-Policy Customers: State Farm may not offer significant discounts, but their rental car insurance is reasonably priced.
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#8 – Progressive: Best for Member Benefits
Pros
- Affordable Starting Rates: Progressive offers rental reimbursement coverage rates at $93 monthly.
- Comprehensive Coverage Options: Progressive gives full rental car insurance coverage for unexpected events.
- Discounts for Bundling: Save more on rental reimbursement coverage by bundling home and auto policies with Progressive.
Cons
- Higher Premiums for Expanded Coverage: Rates can increase for more comprehensive rental reimbursement coverage.
- Limited Customer Service in Some Areas: Progressive’s customer service may be less responsive in certain regions. For more information, see “Can I bundle my Progressive car insurance with other policies?“>
#9 – American Family: Best for Customer Focused
Pros
- Affordable Premiums: American Family offers competitive rates at $95 monthly for minimum coverage, including rental reimbursement coverage.
- Comprehensive Rental Reimbursement: American Family rental reimbursement car insurance is definitive and covers various situations.
- Discounts for Bundling: American Family offers discounts to amplify savings on insurance rental car reimbursement in bundling policies.
Cons
- Higher Premiums for Additional Coverage: While basic coverage is affordable, premiums can rise to $162 for more extensive coverage.
- Limited Coverage Options in Some Areas: Availability and coverage options may vary depending on location. (Learn More: What types of car insurance coverage does American Family Insurance offer?).
#10 – Geico: Best for Low Premiums
Pros
- Affordable Rates: Geico’s offers rental reimbursement coverage rates at $73 monthly.
- Reliable Rental Reimbursement: Geico offers dependable rental reimbursement coverage, ensuring drivers are covered in case of an accident.
- Strong Online Tools: In managing your rental reimbursement coverage Geico provides outstanding online tools. Read our article titled “Geico Auto Insurance Review” for more details.
Cons
- Limited Availability of Discounts Geico discounts may not be as extensive as other insurers for rental reimbursement coverage.
- Higher Costs for More Coverage: Premiums can rise for more comprehensive rental reimbursement options.
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Comparing Monthly Rates for Car Insurance with Rental Reimbursement Coverage
When considering car insurance with rental reimbursement coverage, it’s crucial to assess how it aligns with your budget and transportation needs. Policies like auto rental reimbursement coverage ensure you’re not left without a vehicle during repairs. Providers such as AAA, State Farm, and Progressive offer competitive options starting at $87 per month, helping you find affordable solutions.
Car Insurance Monthly Rates With Rental Reimbursement Coverage| Insurance Company | Monthly Rates |
|---|---|
| $92 |
| $88 |
| $95 |
| $98 |
| $94 |
| $90 |
| $91 |
| $89 |
| $93 |
| $87 |
American Family and Amica are slightly higher, with rates of $95 and $98 monthly. These options provide solid coverage but might not be ideal if you’re aiming to keep costs lower. Erie offers a mid-range rate of $94 per month, while Farmers provides auto insurance rental reimbursement coverage at $90 per month, ensuring you have access to a rental car if your vehicle is in the shop.
Progressive and Geico offer good coverage options at $93 and $91 per month, respectively. While not the cheapest option, they provide reliable coverage with flexible plans. Ultimately, finding the best rental car reimbursement coverage will depend on your budget and the level of coverage you’re looking for.
Read More: How to Find the Right Type of Home Insurance
Top Insurance Providers for Rental Reimbursement Coverage and Discounts
Rental car reimbursement coverage helps cover the cost of a rental car if your car is unavailable after an accident. Many insurance providers offer discounts to make this coverage more affordable. AAA, Allstate, and Erie give multi-policy and anti-theft discounts, while Farmers and State Farm focus on safe driving and good student benefits. These options help you save without losing protection.
Car Insurance Discounts From the Top Providers for Rental Reimbursement Coverage| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Good Driver, New Vehicle, Anti-Theft |
| Multi-Policy, Safe Driving Bonus, Anti-Theft, New Car |
| Multi-Policy, Loyalty, Good Student, Defensive Driving |
| Multi-Policy, Loyalty, AutoPay, Good Driver |
| Multi-Policy, Safe Driver, Paid-in-Full, Anti-Theft |
| Multi-Policy, Good Student, Safe Driver, Defensive Driving |
| Multi-Policy, Good Driver, Defensive Driving, Military |
| Multi-Policy, Early Shopper, Vehicle Safety, Claims-Free |
| Multi-Policy, Snapshot Program, AutoPay, Good Driver |
| Multi-Policy, Good Student, Safe Driver, Defensive Driving |
Other providers, like Progressive, Liberty Mutual, and Amica, offer extra ways to cut costs. Progressive’s Snapshot rewards safe driving, Liberty Mutual has an early shopper and claims-free discounts, and Amica offers loyalty and AutoPay savings. These programs make rental reimbursement coverage budget-friendly.
Choosing the right insurer depends on your needs and which discounts you qualify for. Farmers and State Farm work well for students, while Progressive and Liberty Mutual suit safety-conscious or tech-savvy drivers. Comparing discounts and pairing them with rental car assistance ensures you save money while staying protected. For more insights, read our article “Insurance Law.”
Rental Reimbursement Coverage Important
Rental car insurance providers offer rental car reimbursement coverage, which is extremely convenient when your car is being repaired. It ensures you do not have to stop or interrupt your daily routine if you need a temporary replacement. This coverage is very important in case alternative transportation options are not available.
You may depend on public transportation or a high-priced ride-sharing service without rental reimbursement insurance. Out-of-pocket payments for renting a vehicle can amount to a substantial cost, especially if they take too long to repair. This sort of coverage removes such costs so that you have a financially viable option when your car breaks down.
Rental car reimbursement lets you choose a vehicle that best fits your needs. You can choose a family-sized SUV or an eco-friendly hybrid. This will ensure that your temporary transportation is aligned with your lifestyle. This feature in your car insurance policy gives you peace of mind and financial protection while your primary vehicle is out of commission. For more details, read our article “Full Coverage Auto Insurance.”
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Factors to Consider When Choosing Car Insurance for Rental Reimbursement
When choosing the best car insurance for rental reimbursement coverage, focus on policy limits, deductibles, and additional benefits. Policy limits how much your insurer will pay per day or incident for rental expenses. Higher limits are ideal for frequent renters, especially in areas with high rental costs. Find more details in “How to File a Car Insurance Claim With Response Insurance Company.”
Deductibles should be evaluated because they impact both your premiums and out-of-pocket expenses. A higher deductible will decrease your premiums but could increase costs when filing a claim. Consider your budget and coverage preferences to find the right balance. Also, consider the length of coverage offered; some policies minimize coverage to a specific number of days, while others are more flexible to fit your needs.
Look for policies that offer extras, like roadside assistance or coverage for personal belongings in rental cars. Check if the policy covers rentals for personal and business use, as some exclude the latter. Compare providers” financial ratings, customer reviews, and claims processes to ensure reliability. Consulting an insurance agent will help you identify the best policy tailored to your needs.
Top Car Insurance Providers for Rental Reimbursement Coverage
Now that you understand the importance of rental reimbursement coverage and the factors to consider let’s explore some of the top car insurance providers that offer this valuable coverage.
Farmers
Farmers Insurance is a great choice for rental reimbursement coverage. It helps cover the cost of a rental car while your vehicle is being repaired after an accident. This coverage is easy to add to your policy and offers flexible options for your needs and budget.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
Farmers’ rental reimbursement coverage is known for affordability, though costs can vary by location and policy details. The coverage provides peace of mind, ensuring you can access a rental car for work or personal needs during repairs.
Farmers also have a great reputation for customer service, available 24/7 to file claims and resolve issues. With affordable rates, dependable coverage, and responsive service, Farmers is a reliable option for rental reimbursement coverage. For more information, see our article “Best Auto Insurance Companies That Will Start Policies.”
Erie
Erie Insurance offers affordable rental reimbursement coverage, which helps pay for a rental car when your vehicle is being repaired due to an accident or covered damage. Their policies are flexible and easy to understand.
Erie is known for its smooth claims process, which makes rental reimbursement coverage simple. The option is often included with other benefits like roadside assistance for added value.
Erie provides reliable, cost-effective rental reimbursement coverage, ensuring you’re not left without transportation after an accident.
AAA
AAA offers great rental car reimbursement coverage to ensure you’re covered for unexpected rental car expenses. AAA car insurance rental reimbursement coverage provides good limits and low deductibles if you want to save your money. Plus, there is always the AAA claims experience: smooth and hassle-free for you and wonderful customer service so that the help you need will be accessible to you easily and without delay.
But that’s not all. AAA understands the importance of convenience, so they also offer a network of preferred rental car assistance providers. It means that whenever you need a rental car, you can easily choose one from a wide variety of respected rental companies to get a vehicle you can rely on.
AAA requires transparency and straightforwardness. Its policy documents are simple and easy to read, so you know what you are getting with your rental reimbursement coverage. In addition, it has a helpful customer service team that is always ready to answer your questions or address your concerns.
Detailed Reviews of Car Insurance Providers
In addition to the top car insurance providers mentioned above,it’ss essential to evaluate their rental reimbursement coverage based on coverage details, customer service, and the claims process.
Coverage Details
Rental reimbursement coverage pays for the cost of a rental car if your vehicle is being repaired due to a covered event, like an accident. It ensures that you have a car to use while your own is in the shop. Coverage includes daily and total limits, which vary by policy. Some policies offer up to $87 monthly, with a maximum number of days covered.
When choosing rental reimbursement coverage, check the types of vehicles eligible for rental. Some policies only cover standard cars, while others include SUVs, trucks, or luxury vehicles. Review your policy details to avoid surprises if you need a rental car. Some insurance companies also provide upgrades for more rental options.
Rental reimbursement coverage may also have a waiting period, meaning you may have to wait a few days before rental costs are covered. It is also an optional add-on to a standard auto insurance policy that increases your premium but gives you peace of mind when repairs are needed. Read more of our article titled ‘Insurance Company Reviews.”
Customer Service
Good customer service is very important when dealing with car insurance claims. Look for companies known for quick and helpful support. You can read reviews or ask your friends and family for details about their experiences with different insurance providers.
Have you heard of Drivewise? It’s located in our Allstate app. We recently found out that customers who choose to use Drivewise are 25% less likely to have a severe collision than those who don’t. https://t.co/HNMxg3hVAZ
— Allstate (@Allstate) May 13, 2024
The quality of customer service can influence your experience with an insurance company. If you have questions or need help, it’s important to talk to knowledgeable and friendly representatives who can effectively assist you and make the whole process easier and less stressful. It’s also good to check how fast the company responds to inquiries and whether it offers 24/7 support.
Moreover, you can read reviews or hear from past customers to see how well they handle claims. Knowing if they resolve claims quickly and fairly can help you decide if the company is trustworthy and reliable.
Claim Process
When choosing rental reimbursement coverage, it’s important to consider how each company handles claims. See how easy it is to file a claim and what other customers say about their experiences. A simple and fast claims process means you’ll get your rental car quickly when needed.
Kristine Lee Licensed Insurance Agent
Get an insurance company that deals or offers easy online claim filing and apps to track your claim and contact adjusters. These apps make the process faster and more convenient. Additionally, check the type of documents, receipts, or forms required to file your claim so it can be smooth.
Lastly, check how reliable the company is at handling claims quickly. Delays can make it harder to return to your routine while waiting for a rental car. Reading reviews and ratings can help you see if the company is dependable. Looking into this will help you pick coverage that gives you peace of mind after an accident.
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Case Studies: Real-World Experiences with the Best Auto Insurance with Rental Reimbursement Coverage
Rental car reimbursement coverage can be a lifesaver when needed, whether due to an accident, breakdown, or storm damage. Here are three case studies showing how different auto insurance providers helped their customers stay on the road.
- Case Study #1—AAA’s Rental Reimbursement Coverage for a Family Road Trip: Emily’s family had a breakdown during a road trip, and AAA’s rental reimbursement coverage ($92/month) quickly provided a rental car. While the total premium rose to $170/month, AAA’s fast service kept their trip on track.
- Case Study #2—Allstate’s Rental Reimbursement Coverage for a Collision: After a car accident, James used Allstate’s rental reimbursement coverage, which costs $88/month, to rent a car. The process was quick and hassle-free.
- Case Study #3—Geico’s Rental Reimbursement Coverage During a Storm: Laura’s car was damaged in a storm, and Geico’s rental reimbursement ($91/month) covered the cost while her car was repaired. The claims process was easy and stress-free. See more in our guide titled “Does Geico offer rental reimbursement coverage?“
These real-world cases highlight how rental reimbursement coverage can provide essential support during unexpected events, ensuring peace of mind when you need it most.
Ty Stewart Licensed Insurance Agent
You can find affordable auto insurance, no matter your driving record, by entering your ZIP code in our free quote comparison tool.
Frequently Asked Questions
What is rental reimbursement coverage in auto insurance?
Rental reimbursement coverage helps cover the cost of a rental car if your vehicle is being repaired after a covered incident, such as an accident or breakdown. Check our guide, “What You Should Know About Auto Insurance.”
How much does rental reimbursement coverage typically cost?
The cost of rental reimbursement coverage can vary depending on your insurance provider. For example, it can range from $73 per month with Geico to $90 per month with Allstate. Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.
Why should I consider rental reimbursement coverage?
If your car is in the shop for repairs, rental reimbursement coverage ensures you have transportation, preventing disruption to your daily routine.
Does rental reimbursement coverage increase my premium?
Yes, adding rental reimbursement coverage to your auto policy will likely raise your premium. However, the increase is often minimal compared to the convenience it offers. For more details, read “Is full coverage really full?”
Does rental reimbursement coverage apply in all situations?
Typically, rental reimbursement coverage applies when your car is being repaired due to a covered event like a collision, vandalism, or weather damage. It does not cover rental costs for a breakdown unless specified.
How long will rental reimbursement cover a rental car?
Coverage duration depends on the specifics of your policy, but most insurers provide rental reimbursement for a set number of days, usually up to 30 days.
What is the maximum rental car reimbursement I can get?
The amount reimbursed for a rental car can vary by provider. For example, AAA and Allstate offer reimbursement for rental vehicles up to a specified daily rate, which is included in the policy details. Learn more in our article intitled, “How do I know if I chose the right coverages?“.
Are there any restrictions on the type of rental car I can get?
Yes, rental reimbursement coverage often limits the types of cars you can rent, such as requiring the vehicle to be a similar make and model to your own car.
Can I add rental reimbursement coverage to my policy anytime?
Yes, most insurance providers allow you to add rental reimbursement coverage at any time, although it may not be applied to a current claim unless added before the incident occurs. Dive to our article “Do I need multiple policies to get enough coverage?” for more.
How do I file a claim for rental reimbursement coverage?
To file a claim, contact your insurance provider after the covered incident and provide details of the repair shop and rental vehicle. The insurer will guide you through the process to get reimbursed for the rental car. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Enter your ZIP code below to compare cheap insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.