Does GEICO insurance cover rental cars?

GEICO insurance covers rental cars, but there may be limitations to your coverage. GEICO coverage for rental cars includes liability, comprehensive, and collision, but you should make sure you have enough coverage, especially if you are renting an expensive car. GEICO will cover a rental car in Canada, but not in other international destinations.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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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Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 29, 2022

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Things to Remember

  • Typically, all GEICO coverage on your personal car will extend to your rental vehicle
  • GEICO has different insurance for different nations
  • Coverage may only apply to certain trips

Rental cars are a convenient way to get around on trips. They get you from point A to B without the need to navigate a brand-new transit system. But rental cars aren’t the most affordable method for exploring, especially when you factor in the cost of rental car insurance. If your primary car insurance provider covers your rental, you can avoid paying for double the insurance coverage.

GEICO customers might be wondering, does GEICO insurance cover rental cars? Typically, all the GEICO coverage on your personal car will extend to your rental as long as you’re staying stateside. 

Curious to know if your rental is still protected in case of a collision or theft? Keep reading this guide for some tips and tools to ensure you’re insured. 

Before you learn how GEICO insurance works with rental cars, see what you could be saving on car insurance. Enter your ZIP code for free auto insurance rates from top companies now.

How does GEICO insurance cover rental cars?

When you’re traveling within the U.S., your rental car will carry the same coverage as your personal car. Say you only have liability coverage (which most states require). This insurance can cover the cost of the other driver’s bills, repairs, and general expenses when you’re at fault in an accident.

Liability coverage does not cover damage to your personal or rental vehicle, including damage that takes place outside of a collision with another vehicle. For example, if you hit a deer with your rental car, you won’t be covered. 

What about other coverage? Check your GEICO insurance policy to see if you have the following protections:

  • Personal Injury Protection can pay for the driver’s expenses, including medical bills, regardless of who caused the accident. This can come in handy if you’re deemed at fault or if you’re in an accident with an uninsured driver.
  • Comprehensive coverage can help pay for repairs or damage no matter who’s at fault in an accident, and regardless of what you hit—it can cover collisions with animals or trees. 
  • Collision insurance can cover damage to the rental because of fire, earthquake, flood, theft, falling objects, or vandalism. 

If you drive an old car and plan to upgrade in the near future, you might choose to go without collision coverage. But when you’re driving a brand-new rental, it’s prudent to take out adequate protection before you get behind the wheel.

Additional Coverage Options with GEICO

Want to add extra coverage for your rental car? 

With GEICO auto insurance, you have some money-saving solutions. Instead of paying extra for benefits at a car rental company, check if you’re already covered. For example, you may already have:

  • Rental car coverage
  • Medical
  • Full glass coverage
  • Roadside assistance

To verify the details of your insurance, call your GEICO representative to help break down your policy. That way, you’ll know what additional coverage you need and what you can skip out on. 

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Does GEICO insurance cover rental cars on international trips?

Are you going out of the country? GEICO auto insurance has separate policies for different nations. 

Before you hit the road, know your insurance options. 

  • If you’re driving to Canada, then your GEICO car insurance will protect you and your rental car. However, check with your rental car company to let them know you plan to drive it across the border.
  • If you’re driving to Mexico, GEICO will help you to find Mexico-specific policies to make sure you’re still protected.

Most U.S car insurance companies won’t cover travel to Mexico or other international locations. Make a plan to get car insurance for visiting Mexico for your trip.

Credit Card Rental Car Benefits

Did you know that the credit card you use for the rental may include added coverage? If you only have liability insurance with GEICO, your credit card may offer collision coverage or a loss damage waiver—perhaps even on international trips. 

Here’s what you need to consider first:

  • Primary vs. Secondary Car Coverage – Check with your credit card provider to see if they offer primary or secondary coverage. Primary insurance can apply immediately in an accident and may allow you to avoid paying a deductible. 
  • The Type of Trip – Coverage may only apply to certain trips. For example, when you pay for a rental with a business credit card, you’re only eligible for the benefits and coverage if the rental is used for business-related purposes. 
  • International Rental Limitations – Your credit card issuer may have restrictions on which countries you’re covered in. 

It’s best to contact your credit card company to verify the details of your benefits. Ask if they offer coverage, how much, and if there are any limitations you should be aware of. 

When You Need Rental Car Insurance

So, is rental car insurance necessary if you have GEICO? Even though GEICO offers coverage for your rental, in some cases, it may be beneficial to pay for the rental car company’s insurance. This includes occasions when:

  • You won’t receive sufficient coverage from your insurance provider or credit card
  • You want to avoid filing a claim and raising your insurance rates
  • You’re traveling internationally and won’t be covered

In these cases, take out the car insurance policy you need to fully protect yourself, your rental vehicle, and your financial future.

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GEICO Rental Car Coverage: The Bottom Line

Rental cars can be a hassle-free alternative for when your personal car isn’t prepared to go the distance. If you have GEICO insurance, you can use your personal policy to cover you while driving a rental car, but be aware that this doesn’t apply outside of the U.S. and Canada.

But if your current car insurance policy offers insufficient coverage at high rates, then you may not feel as protected as you’d like. You could be saving more while enjoying better coverage.

Now that you know all about GEICO’s coverage for rental cars, see how much you could be saving on insurance. Enter your ZIP code to receive car insurance quotes from top companies for your personal vehicle and any future rental.

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