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The Truth About Car Rental Insurance You Need to Know

A nationally recognized reporter, writer, and consumer advocate, Ed Perkins focuses on how travelers can find the best deals and avoid scams.

He is the author of "Online Travel" (2000) and "Business Travel: When It's Your Money" (2004), the first step-by-step guide specifically written for small business and self-employed professional travelers. He was also the co-author of the annual "Best Travel Deals" series from Consumers Union.

Perkins' advice for business travelers is featured on MyBusinessTravel.com , a website devoted to helping small business and self-employed professional travelers find the best value for their travel dollars.

Perkins was founding editor of Consumer Reports Travel Letter, one of the country's most influential travel publications, from which he retired in 1998. He has also written for Business Traveller magazine (London).

Perkins' travel expertise has led to frequent television appearances, including ABC's "Good Morning America" and "This Week with David Brinkley," "The CBS Evening News with Dan Rather," CNN, and numerous local TV and radio stations.

Before editing Consumer Reports Travel Letter, Perkins spent 25 years in travel research and consulting with assignments ranging from national tourism development strategies to the design of computer-based tourism models.

Born in Evanston, Illinois, Perkins lives in Ashland, Oregon with his wife.

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No matter how often I cover the problems that come with collision damage under car rental insurance, consumers continue to share their frustrations. A reader recently emailed me:

“I’m interested in finding a complete bumper-to-bumper, ‘drop off the keys at the counter’ car rental coverage when I travel. I recently thought I had complete coverage though a credit card, but when my car suffered a small dent, the car rental company flat-out refused to document that it actually lost income from having the car rental in the shop (which took three weeks to repair a small dent). I was left with responsibility.”

This experience is uncommon, but not unique. Car rental companies desperately want you to buy their collision damage waiver, or CDW (sometimes also known as loss damage waiver, or LDW), and will go to great lengths to make you pay for even the smallest damages if you don’t. Here’s what you need to know before you shell out for car rental insurance on your next vacation.

Car Rental Insurance: What You Need to Know

Person signing car insurance paperwork on a clipboard

The One Way to ‘Drop the Keys and Forget It’

When you buy a CDW, the rental company surrenders its rights to charge you for damage to a car rental—with a few exceptions, such as tire damage or gross negligence. (CDW terms and conditions vary by car rental company, so you’ll want to read them carefully before committing.) But otherwise, no matter how banged up the car could be, you’re off the hook: Just turn it in and be on your way. No other approach—your own insurance, your credit card, or a third-party policy—is as comprehensive or convenient. If you want that full flexibility and peace of mind, pay for CDW.

CDW Insurance Is Ridiculously Overpriced

Typically, a CDW starts at around $30 per day and can go higher. The actuarial cost to the rental company—the amount it would allocate toward a damage pool based on risk experience—is probably just a few dollars a day; the rest is theirs to keep. No wonder the agents push it so hard: It’s clearly a lot more profitable than the car rental alone.

The 16 Best Car Rental Booking Sites

You’ll Pay Up Front for All Damage

You can cover your major damage responsibility by relying on your own insurance, a credit card with insurance, or a third-party policy. But in all of those cases you have to pay a damage claim up front, then recover as much as you can (all of it, you hope) by filing a claim afterward. That means signing a credit card bill for hundreds or even thousands of dollars when you return the damaged car, and not knowing if you’ll get that money back.

That’s why some rental companies won’t accept rentals via debit card, or a credit card with a small limit. If you can pay the initial rental fee with a debit card, you may still need to provide a credit card to cover a possible damage claim, which would be filed before you can leave the return counter.

‘Damage’ Is More than Fixing a Dent

If you don’t buy CDW, rental companies can charge for more than just fixing the damage. They may also charge for:

“Loss of use,” meaning the potential revenue lost while the car is out of service being fixed, even if the company had lots of other cars available. And they generally figure that daily loss at the full retail rate.
Towing charges, if you are unable to drive the car back to the return station.
“Diminished value,” or the potential loss of the car’s resale value (because of your damage) when the rental company disposes of it, usually within two years.
Administrative fees associated with the claims process.

Most non-CDW car rental insurance will cover those extras. But, in some cases, coverage depends on cooperation from the rental company—and it may not be forthcoming, as our reader’s above wasn’t.

5 Vacation Rental Scams to Watch Out For

You Need General Liability Protection

You should never get behind the wheel of a car—or lawnmower, for that matter—without liability protection. But you don’t buy that from a car rental company: It usually comes with household, homeowner, or tenant insurance, and it covers far more than a car rental. And if your net worth is in six figures, you probably need an “umbrella” liability policy that covers a million dollars or more.

Car rental companies in most countries are required by law to include liability insurance. In the U.S., required coverage can be ludicrously small (usually only the minimum required by the state)—it’s usually much better in Europe. If you don’t have substantial liability insurance, you might consider buying the rental company’s offering. Still, your best bet is to make sure you’re covered 24/7 with your own insurance so you can forget about the rental company’s overpriced insurance.

Alternatives to Rental Company Collision Damage Waivers

Close up of man's hand holding a car key

Alternative #1: Pay with Your Existing Car Insurance

In many cases, if your regular auto insurance covers collision damage to your insured car, it also covers damage to a short-term rental. But this coverage is generally limited to driving in the U.S. and maybe Canada, and won’t cover car rentals in Mexico, Europe, or anywhere else. So, before you plan on using your own insurance, check its coverage. If it does cover rentals, you can place a claim on it. Still, you must typically pay your policy’s deductible, and any claims may cause your rates to go up.

Alternative #2: Use Credit Card Benefits

These days, most credit cards provide “free” collision coverage for car rentals, provided you use the card to secure the rental. A sample credit card benefits statement describes coverage as:

“Physical damage and/or theft of the covered rental vehicle. Valid loss-of-use charges assessed by the rental company while the damaged vehicle is being repaired and is not available for use, as substantiated in the company’s fleet utilization log. Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility.”

Note that this typical Visa card’s benefits do not cover diminished value or administrative costs. A few premium credit cards offer primary collision coverage, meaning the card takes full responsibility for the payment. But coverage on most cards is secondary, meaning the card picks up only what you can’t first recover from your own insurance. And you still have to pay the rental company up front, then file for reimbursement from your card issuer.

Another gotcha in the above fine print: This card (and many others) pays for loss of use only if verified by the rental company’s log. Unfortunately, some rental companies don’t cooperate with credit card issuers in providing this type of documentation in a timely manner.

The Ultimate Guide to Travel Insurance: Everything You Need to Know

Alternative #3: Third-Party Car Rental Insurance

If you rent a car through one of the big online travel agencies (OTA) such as Expedia or Priceline , the agency normally offers you the option to buy collision coverage for around $10 a day. That coverage is provided by a third-party insurance company such as Allianz . The cost is a lot less than the rental company’s CDW, but, as with credit card coverage, if you damage the car, you have to pay up front and claim later.

Typical third-party collision coverage includes about the same contingencies as credit card coverage, but because it’s grouped with the booking you won’t have to make any other claims. You can also buy collision coverage independently: Bonzah , for example, sells coverage at around $10-$20 per day.

The Uncertainty Principle

The takeaway from all this: No alternative source of collision damage coverage—your auto insurance, your credit card, or a third party—completely isolates you from risk. Lots of travelers successfully rely on lower-cost alternatives to CDW without encountering any problems, sure. Occasionally, however, your own insurance, credit card, or third-party policy may not cover an unusual charge a rental company might impose.

If you’re unwilling to accept any risk at all, you might want to buy that overpriced CDW. For most travelers and circumstances, credit card or third-party coverage is sufficient, and primary coverage is a lot better than secondary.

Consumer advocate Ed Perkins, the founding editor of the Consumer Reports Travel Letter, has been writing about travel for more than three decades.

Editor’s note: This story was originally published in 2017. It has been updated to reflect the most current information.

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A complete guide to rental car insurance

Should I get rental car insurance? Yes, when you rent a car, it’s best to get car rental insurance. This guide covers where to buy insurance from, what type of coverage to get, and what those policies cover.

In this post

Do I need rental car insurance?

Where can i get a rental car insurance, rental car insurance coverage, what car rental insurance should i get, how does my destination impact my insurance needs, rental car insurance faq.

The short answer is: yes, you definitely need it! The tricky part is knowing what type of insurance you need, where to get it, and what different policies cover.

There are many different types of car insurance for a rental car . Deciding which one to take depends on the level of protection you want. Some cover only the vehicle you rented, others also cover injuries or damage caused to others or to yourself and your passengers.

The car rental company you select will clearly mention in their terms and conditions which type of insurance is mandatory according to their own policy and local legislation. Keep in mind that car rental companies tend to recommend additional coverage, so determining what’s necessary and what’s extra in advance can help you choose what’s best for you.

If you’re looking for budget-friendly options, make sure to verify the coverage of the insurance policies you already have to potentially save money .

Different companies sell car rental insurance. Your options include the following:

The car rental company's insurance
An independent insurance broker
Travel insurance
Your car insurance
Your credit card

All of these options have different ranges of price, coverage, and convenience. For example, while it may be easier to get the car rental insurance directly at the counter when you arrive to pick up your vehicle, it’s unlikely that it will be your most budget-friendly option.

Independent insurance is an option that can be just as convenient without the hefty cost. Insurance companies have analyzed the requirements of car rental agencies and created coverage services for the vast majority of rental car scenarios.

When looking at car rental options on KAYAK, you may see the option to add insurance from an independent insurance broker to your booking; that way you know what your coverage looks like before even arriving at the car rental counter to pick up your vehicle.

Insurance coverage tends to have a limitation when it comes to location and circumstance. Make sure you check the regions where your coverage applies and what specific circumstances are or aren’t covered. The insurance you have could only cover you if you’re driving in your country of residence; also, most insurance companies won’t cover accidents where the driver has consumed alcohol above the local limit.

Does my personal car insurance cover rental cars?

Does my car insurance cover rental cars? The most common answer is: it depends. However, it is definitely worth checking with your personal car insurance. Some will cover your rental as well so chat to them before adding a potentially costly policy to your rental agreement .

Chances are if you don’t have comprehensive coverage for your personal car, the insurance won’t cover your rental car either. These days more often than not, insurance will only cover a specific car mentioned on the policy. This means you won’t be covered if you crash your friend's car or a rental. Some policies will cover you when driving other cars but the coverage might be limited and usually won’t include driving abroad.

In the majority of the cases, you will only be covered for personal use but not if you are getting a rental car for a business purpose.

Which credit cards cover car rental insurance?

There are plenty of good credit cards out there that not only allow you to collect miles and airline status but also offer various insurance policies. Check the fine print of your card to see what they offer. Cards like the United Club Infinite Card, Chase Sapphire Preferred Card, and Capital One Venture X Rewards Credit Card include coverage like Auto Rental Collision Damage Waiver.

Do check the conditions though because some cards require you to use it for your rental booking before the insurance will take effect. Some might also limit coverage to a certain timeframe or to specific locations.

Car rental insurance typically covers three basic things – damage, theft, and third party liability. Damage to the rental car includes damage to the bodywork, which is most of the car’s exterior including the bumpers, fenders, doors, etc. That doesn’t include the windows, wheels, or the interior. The most you’d have to pay for damages is called the deductible.

Theft cover means you won’t have to pay for a new car if the rental car gets stolen, or gets damaged if someone tries to steal it. Again, the most you’d have to pay is the deductible of the theft protection policy.

Third party liability is if you hurt anyone or damage anything in your rental car. There’s usually a maximum amount that this policy would pay out to the third party.

Those are the three basic types of coverage, but there are several things that additional policies can also cover . What happens if you get injured in a rental car? If your stuff gets stolen in a rental car? What happens if you get into an accident with someone who’s not insured themselves? Well, there are policies that cover each of these situations too.

Now that we know what a policy can cover, it’s important to know what type of insurance applies to each type of coverage. When it comes to rental car insurance options, there are a bunch of confusing acronyms, scenarios, and regulations that change from city to city.

There are basically six types of coverage depending on their function. You’ll find insurance that protects the rental car, other people and their property, personal accidents, and roadside assistance. Here’s a simple break-down of your options:

Collision Damage Waiver (CDW)

A Collision Damage Waiver, often shortened to CDW, is an optional insurance policy that provides coverage in case your vehicle is damaged during the period of your rental . In many countries, a CDW is packaged together with an LDW (Loss Damage Waiver), which also provides theft protection in case your rental car is stolen during the period of your rental. However, in the USA and Canada, these policies are often purchased separately.

Supplemental Liability Protection (SLP)

Liability Insurance can have many names, Extended Protection (EP), Supplemental Liability Insurance (SLI), or Third Party Liability (TPL); it is an optional insurance policy you can add which covers you in case you damage other people's property as well as medical costs for other people’s injuries in an accident you're legally responsible for. In many countries outside of the US and Canada, this "third party" insurance is required to be provided by the rental company. In the US, it's generally not included, but if you're an auto-owner you may already have liability coverage through your personal auto insurance.

Personal Accident Insurance (PAI)

Personal Insurance covers the driver or the policy holder. It can cover expenses in the event of an accident, like ambulance transportation and similar costs that stem from medical assistance. Likewise, the driver’s belongings can be covered using a Personal Effects insurance in the case of theft or loss.

Roadside Assistance

Accidents happen… flat tires, mechanical or electrical malfunctions, etc. If you’re not sure how to get your rental car back on the road, you may want to look into getting this type of insurance.

Loss Damage Waiver (LDW)

A Loss Damage Waiver, often shortened to LDW, is an optional insurance policy that provides coverage in case your vehicle is damaged or stolen during the period of your rental.

Personal Effects Coverage (PEC)

This is for theft of personal items in a rental car up to $1,500.

In the end, “how much is car rental insurance” depends on a lot of factors that come down to your desired level of protection. Insurance policies typically cover expenses up to a certain amount and payment is either covered by the insurance company on the spot or refunded to the policyholder after an investigation.

Reading the terms and conditions of your rental agreement carefully and comparing your insurance options is the best way to save time and money, so that you can enjoy a hassle-free trip feeling safe and protected.

While all rental car insurance policies are important, some are truly indispensable and will save you a lot of trouble in the event of an incident. A must-have is Third Party Liability Insurance , which covers damage done to other people or their properties. Another policy that you are strongly advised to add is the Collision Damage Waiver , which covers you in case of damages to the car.

Make sure you ask about the excess involved when adding a policy, and if the amount is particularly high, you can get Car Rental Excess Insurance to cover that. Additional insurance worth considering is Roadside Assistance, especially if you are in a foreign country , and Personal Accident Insurance, which covers your personal expenses in the case of an accident.

When choosing which policies to add, take into consideration the roads you’ll be driving on as well as the climate, as rough terrain might require a higher level of insurance coverage.

Car rental insurance in the US

When traveling to the US, each state might have a different law as to which insurance is required and which is not, but overall, the three main types of insurance that you should have in all cases are Third Party Liability Insurance, which is a requirement, Collision Damage Waiver (CDW) or a Loss Damage Waiver (LDW). Note that the latter comprises both CDW and Theft Protection, which means you are covered if the vehicle is stolen and for damages sustained during your rental period as a result of theft.

Rental car insurance in the UK

When renting a car in the UK, the insurance policies you will be offered are similar to those in the rest of Europe or the US. The main thing to note is that Liability Insurance is the only policy that is legally mandatory to have . Collision Damage Waiver is not a legal requirement but is often included and highly advisable.

Car rental insurance in Europe

When renting a car and traveling throughout Europe, you will find that some insurance policies might already be included in your contract such as Collision Damage Waiver, Third Party Liability and Theft Protection. Some of these will include an excess, and if you want to reduce it to zero, consider taking out an Excess Waiver policy. However, make sure you read the fine print in regards to what it does and does not cover. If you are planning to travel around Europe and cross borders with your car, it is important to double-check the car rental policy and ensure that you have coverage in all the countries you will be visiting.

Search for rental cars

The short answer is: yes, you definitely need it! There are many different types of rental car insurance coverage, deciding which one to take depends on the level of protection you would like to obtain; some cover only the vehicle you rented, others also cover injuries or damage caused to others or to yourself and your passengers.

The car rental company you select will clearly mention in their terms and conditions which type of insurance is mandatory according to their own policy and local legislation. It may also depend on the type of car you get .

Different brokers or companies sell insurance for your rental. Your options include the following:

Through the car rental company
An independent broker
General travel insurance
Personal car insurance

There are basically six types of rental car insurance coverage depending on their function. You’ll find insurance that protects the rental car, other people and their property, personal accidents, and roadside assistance. The 6 popular insurance types are:

Personal Effects Coverage (PEC).

Most rental car companies will request some form of mandatory insurance. How extensive the coverage is will depend on the company, where you will drive the car and the local legislation.

Often things like Liability Insurance, Collision Damage Waiver and Personal Effects Coverage are optional add-ons. Whether you sign up for them will depend on the level of protection you desire. You should also consider where you will be driving as this may determine extras like roadside assistance.

How does KAYAK know what to put in this guide?

I have rented cars and driven all over the world. Being a cautious optimist I always knew good insurance was key to driving safely. Renting a lot of cars while being a broke student, I learned how to compare insurance and settle on the coverage that made the most sense.

The KAYAK team added their input to this guide so you know you can trust our collective experience and find the best car insurance for your rental car.

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Rental car insurance: Do you need it?

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When do you need rental car insurance?

You may not need additional rental car insurance if you have a personal auto insurance policy with full coverage and are renting a private passenger vehicle. However, your exact rental coverage needs depend on the type of insurance you carry on your personal vehicle, as well as the terms of your rental contract and the reason you’re renting a vehicle.

In some scenarios, your personal car insurance policy may have gaps in coverage that could leave you uninsured or underinsured if you’re in an accident in your rental car. For this reason, most insurance professionals advise discussing your coverage options with your insurance agent before you head to the rental counter.

The scenarios below outline situations in which you may need to purchase rental car insurance before renting a vehicle.

You do not have any type of car insurance

If you don’t have an auto insurance policy of your own, you’ll likely want to purchase insurance when renting a car. There are a couple of reasons for this. First, most states have strict laws requiring all drivers to carry a minimum amount of auto insurance while driving any vehicle. While that is enough to be street legal, higher liability limits offer better financial protection.

Additionally, the costs of an at-fault accident or other vehicle damage can add up quickly. Without an insurance policy, you could be responsible for paying any of those costs out of pocket. Consider purchasing additional liability coverage and a damage waiver from the car rental company before getting behind the wheel of a rental vehicle.

In some cases, your travel reward credit card may offer you a collision damage waiver (CDW) or a loss damage waiver (LDW) as a cardholder benefit — and some drivers who have no personal auto policy may rely solely on this insurance option when renting a car.

While rental car coverage through a credit card can be a helpful supplement to a primary insurance policy, it may not offer adequate financial protection on its own. This coverage typically only applies to damage or theft to your rental car. If you are at fault for an accident and only have CDW, you are still on the hook for the cost of liability and property damage caused to the other driver, their passengers and their vehicle. Lightbulb Do you need insurance to rent a car? In most cases you do not need insurance to rent a car, but this can depend on the rental car company and the state in which you rent the car. Usually, rental companies have the state minimum insurance already included in the price of the rental car. However, this does not account for collision or comprehensive coverage. Additionally, some states have laws regarding rental car coverage, such as New York — if the driver’s existing policy is for liability-only, their property damage coverage automatically extends to their rental car in lieu of collision coverage. Or Texas, where a driver must have an active personal auto policy or purchase liability from the rental car company since state minimum limits will not be included or free of charge.

You do not have collision or comprehensive coverage

Collision and comprehensive coverage are part of what’s known as full coverage car insurance , which covers damage to your vehicle after a collision or other incident, such as hail, theft or fire. These types of coverage typically extend to a rental vehicle. However, if you only have liability insurance coverage , your personal car insurance won’t cover damage to the rental.

To financially protect yourself in this situation, you can purchase a loss damage waiver (LDW) from a rental agency. This agreement waves your financial responsibility for damage or loss of the rental car, including loss from theft.

You do not want to pay a deductible

If you rely on your personal car insurance to protect your rental car, and you get into an accident, you typically have to pay a deductible . However, if you buy rental car insurance and you get into a collision, there is no deductible required.

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How does car rental insurance work?

Rental car insurance works the same way as regular auto insurance: you pay a certain amount of money in exchange for an insurance company’s agreement to cover losses and claims up to an agreed amount. However, rental car insurance comes in different forms than a standard auto insurance policy.

The most common types of rental car insurance include:

Collision damage waiver (CDW): For a daily fee on top of your rental fee, a collision damage waiver waives fees associated with damage to the rental car from an accident, fire, vandalism, severe weather and other perils specified in your agreement.
Loss damage waiver (LDW): Loss damage waivers and collision damage waivers are often used interchangeably, but some rental companies use this term to refer to a damage waiver that covers theft of the rental car on top of other physical damage perils. Be sure to read the details of any waiver offer carefully to understand what is covered.
Supplemental liability protection: If you don’t have your own liability insurance, this covers bodily injuries or damage you cause to other vehicles or property.
Personal accident protection: This type of coverage covers medical costs for yourself and your passengers if you’re involved in an accident in your rental car. If you already have personal injury protection or medical payments coverage on an existing auto policy, you may already be covered.
Personal effects coverage: This optional coverage pays for loss (by theft or damage) to personal belongings in your rental car. If you have a home or renter’s insurance policy, you may already have similar coverage.

Keep in mind that rental car insurance is not the same thing as rental car reimbursement insurance . Rental car reimbursement coverage is a coverage type on many standard auto policies that pays for the cost of a rental car (up to your policy limits) while your vehicle is inoperable due to a covered claim.

How much is rental car insurance?

The cost of rental car insurance depends on a few factors. First, it depends on the company you buy coverage from. It also depends on the state, what type of car you are renting and how many miles you are driving. Purchasing optional add-ons such as personal effects coverage will also increase the amount you pay for rental car insurance on top of your rental car fees.

Is rental car insurance worth it?

Rental car insurance can be worth it in certain situations. Aside from the liability and physical damage coverage it offers, it usually covers the loss of use clause found in many rental car agreements. This clause charges drivers a per-day fee while the rental car is undergoing repairs to recoup their loss from the car being out of commission. Loss of use isn’t always covered by your insurance company or the coverage that extends from a credit card company.

If you are someone who doesn’t have an existing auto policy or you choose to carry only the state minimum coverage, buying the additional coverage may give you some peace of mind while driving a different vehicle in an unfamiliar location.

However, if you have confirmed with your insurance agent that your current personal auto policy will fully extend coverage to your rental vehicle, you may feel comfortable waiving the added coverage. Before declining rental car coverage, contact your agent and request a copy of your insurance ID cards and a binder letter showing what coverage will extend from your car to the rental. This way, you clearly understand the terms of coverage and have an easy way to say no to overzealous rental agents.

Which insurance providers offer rental car insurance?

Most major car insurance providers automatically provide rental car insurance coverage at no additional cost beyond what you are already paying for your monthly premium . However, it is important to remember that the coverage you carry on your policy is what will also apply to your rental. If you have liability-only on your personal auto policy, you may want to consider bridging the gap with an LDW.

Some companies offer standalone rental car coverage policies. The rates for these policies can be cheaper than a standard auto policy, but the coverage provided is not as robust.

Allianz Global: Allianz Global’s Rental Car Damage Protector includes $50,000 in coverage for just $11 per day, and offers coverage anywhere in the world. Every policy comes with up to $1,000 in coverage for lost baggage and personal items, 24-hour emergency assistance and $1,000 in trip interruption coverage.
Bonzah: With a Bonzah rental car insurance policy , you can get up to $35,000 in coverage with a maximum deductible of $500, plus up to $500 in coverage for lost luggage and personal items, no deductible and a 10-day free look period. Bonzah also offers up to $1 million in supplemental liability coverage.
RentalCover.com: Rental car insurance from RentalCover.com is meant to supplement insurance from your credit card provider. The company claims that drivers can get supplemental insurance for up to 50 percent less than an LDW waiver from the rental counter. One of the biggest draws is that drivers can cancel their rental insurance for a full refund up until their car pick-up time.
Sure: Sure is a mobile-based rental car insurance company that is entirely digital. When you download the app, you can select your trip dates, the type of coverage you want, the deductible and more. That means you can update and make changes to your choices on-the-go. Every policy comes with great perks, like flat tire protection, lost key reimbursement and towing coverage.

Frequently asked questions

What is the best car insurance company, does rental car insurance cover roadside assistance, how will an accident in a rental car affect my insurance, how do i know if my car insurance policy covers a rental car, related articles.

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You may not need to purchase rental car insurance if your personal auto policy provides coverage..

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Road trip coverage
Your own car
Coverage in Mexico
Coverage in Canada

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Reviewing your car insurance needs is one thing to add to your “to-do” list before heading out on a road trip. Your car insurance policy covers your car in all 50 U.S. states and Canada, even if you drive through a state with higher or lower insurance minimums. [1]

If you’re planning to rent a car, you may decide to buy rental car coverage in some cases.

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How does car insurance work when you’re on a road trip?

Most auto insurance policies include a “broadening clause” that essentially converts your auto coverage into the minimum coverage for a particular state where you travel temporarily. So, you shouldn’t need to buy a new policy or change your coverage to drive legally in other states on a road trip.

Your policy will also cover any friends or family members joining you on the road trip as long as you give them permission. This is “permissive use” and applies to non-travel car usage as well. [2]

If you don’t have a personal auto insurance policy, you should purchase rental insurance for your road trip.

Road trip insurance when driving your own car

A good auto policy will cover common road trip problems like flat tires, collisions, vehicle damage from severe weather, and more. Depending on the details of your specific policy, it may already include coverage that protects you and your passengers. Because a road trip naturally means spending more time on the road, it may increase your chances of having car troubles.

Even if your policy has a broadening clause, your coverage levels depend on the state where you’re driving. If you only have your state’s minimum-coverage requirements, your policy won’t cover your vehicle in an incident.

Adding coverage or increasing your coverage levels can help protect your finances. Here are the different types of coverage you can look for.

Liability coverage

Liability car insurance pays for the other driver’s injuries and car repair bills if you cause a car accident. It also pays for legal expenses if the other driver sues you. Every state, with the exception of New Hampshire, requires you to have a minimum level of liability coverage.

Uninsured/underinsured motorist coverage

Uninsured/underinsured motorist coverage pays for your and your passengers’ medical expenses if another driver causes an accident and has insufficient car insurance to pay your bills. Some states require this type of coverage, but it’s optional in others.

Collision and comprehensive coverage

Often sold as a package, collision insurance pays to repair your own car when you’re in an accident, regardless of fault, while comprehensive coverage pays for a host of other issues, like theft, falling objects, and run-ins with animals. These coverages are optional.

Personal injury protection (PIP) coverage

PIP insurance covers lost wages and medical expenses for you and your passengers after an accident, regardless of fault. Some states require drivers to carry PIP.

Roadside assistance coverage

You may be able to access roadside assistance through your car insurance company, your credit card benefits, or a third-party company like AAA. It covers the costs of services, like towing and flat tires, if you have a problem while driving. This type of coverage is optional but can save the day in a road trip emergency.

Road trip insurance when driving a rental car

If you’re driving a rental car on your road trip, your own car insurance policy will extend coverage to you and anyone listed on the policy for the same limits. You don’t have to buy additional insurance, but you may have some gaps in coverage if you have a liability-only policy.

Rental car companies require you to pay for any costs associated with the rental vehicle and your passengers following damage from a collision, vehicle theft, or vandalism. For this reason, some people with personal liability-only insurance choose to purchase rental car insurance from the rental company.

This optional protection comes in the form of a collision damage waiver (CDW) or loss damage waiver, which means the rental company waives some or all of your financial obligations for the car. But CDWs have limitations because they usually don’t include bodily injury coverage for you and your passengers and damage to other cars and property.

Driving a rental car when you don’t have insurance

You must have some form of insurance to drive legally in most U.S. states. So if you’re renting a car and don’t have your own auto policy, you’ll need to get coverage in some way.

Some of your options for rental car insurance include:

Credit card company: Some credit card companies offer a type of rental car insurance coverage as a benefit to their cardholders. The protection usually comes in the form of a CDW that you can use on rental cars. Some cards, like the Chase Sapphire Preferred, offer primary coverage for rental cars at home and in foreign countries, while others may offer secondary coverage.

Temporary automobile insurance: A temporary car insurance policy from a major insurer can provide various coverage options with different coverage limits to choose from.

Car rental company: You can pay for a CDW from the car rental company, though you may need additional protection through temporary auto insurance.

Other forms of insurance: Homeowners insurance or renters insurance can protect you financially if someone steals personal belongings from your car, while health insurance can pay for your medical care. [3]

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Does your car insurance cover you in Mexico?

If you live in the U.S. and drive into Mexico, your regular auto insurance policy won’t cover you. You’ll need to purchase a separate temporary car insurance policy tailored to driving over the border.

Many major auto insurance companies, such as Progressive and GEICO , offer temporary coverage for trips ranging from one day to several months. These policies should include a minimum amount of liability insurance, and you can add protection for property damage, roadside assistance, collision coverage, and more.

You’ll also need to bring the following documents with you on your trip:

Government-approved travel document, such as a passport or passport card

Vehicle registration

Car insurance policy for driving in Mexico

Valid U.S. driver’s license

A temporary vehicle importation permit

A letter of permission from your auto lender (if you lease or finance your car)

Does your car insurance cover you in Canada?

In short, yes. Car insurance policies from major U.S. insurers cover you if you plan to drive your car into Canada.

You’ll need to carry the following documents with you on your trip:

Standard auto insurance ID card

A Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card, which you can request from your insurance company

You’ll typically need to show your passport, vehicle registration, and a copy of your standard auto insurance ID card at the border.

The Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card comes into play if law enforcement pulls you over or you have a car accident. It shows that your insurer has pledged to meet the minimum legal insurance requirements in Canada.

Travel car insurance FAQs

It’s important to secure sufficient coverage before you set out on a road trip if you don’t think your existing coverage is enough. The following information should answer your remaining questions about car travel insurance.

Does travel insurance cover vehicles?

It depends. A travel insurance policy usually protects you against costs associated with medical emergencies, issues with airfare and hotel bills, and lost or stolen personal property. Some travel insurance plans allow you to add car rental insurance to the plan for an additional cost.

Does personal car insurance cover a rental car when you’re traveling?

Yes. Your personal car insurance policy extends coverage to your rental car when you’re traveling in the U.S. Check the details of your policy or contact your insurer for more specific information.

How can you get insured to drive a car in any country?

A personal auto insurance policy from the U.S. won’t cover you abroad, except when you’re driving from the U.S. to Canada. But some companies sell global auto insurance policies that may work in one or more foreign countries.

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Insurance for Rental Car Damage: Where to Get it and Things to Know

What happens if you get into an accident with your rental car while on your trip?

We’ll answer that question in just a moment, but first, let’s do one of those camera tricks you see on commercials and rewind from the accident to the moment where you had to choose whether to buy a protection plan that provides coverage for damage to your rental car .

Also read: Top 5 Reasons to Get Travel Insurance

How to Get Damage Insurance Coverage for a Rental Car

So, you’re at the rental car counter, you’re presented with the loss-damage waiver form, and your pen hovers above the form before making a decision.

At this point, you’re thinking of your options, which are:

1. Accept the insurance from the rental car company

The knee-jerk reaction is to think that the insurance from the rental car agency is a rip-off, but it will likely get the job done -- protecting your wallet from those magic dents and scratches that always seem to appear between the time you pick up the car and the time you drive it out of the parking lot.

2. Buy a standalone rental car policy from a company

As more people rely on services like ZipCar for their auto-transportation needs, standalone rental car coverage has become more common. For trips where you don’t have a lot of prepaid travel expenses, this coverage can be a good choice.

3. Rely on your standard auto-insurance policy to cover you

If you're hoping a rental car accident won't impact your regular auto-insurance rates, anything other than your standard car insurance is a good choice.

4. Hope that your credit card has rental car coverage

Many travel credit cards include some level of rental car protection, but only if you used that card to pay for the car. And, the devil’s in the details -- be sure to read the fine print.

5. Remember that you got the Rental Car Damage coverage with your travel insurance plan *

Finally, there’s Rental Car Damage coverage through a travel insurance plan . This coverage is great if you have a lot of prepaid expenses – like airfares, hotels, and excursions – especially if you’re buying travel insurance anyway.

Rental Car Damage coverage can reimburse you up to $25,000 if your rental car is damaged through collision, theft, vandalism, natural disasters or any other cause beyond your control while you’re on your trip. The coverage is available as an extra-cost add-on with Generali's Standard , Preferred plans and included with the Premium plan .

Also read: 7 Questions to Ask to Find the Best Family Travel Insurance

couple riding in a red convertible on vacation

Understand Your Rental Car Damage Insurance Coverage

With any rental car damage insurance, it’s important to see exactly what’s covered and at what level. It’s also helpful to be able to see what the policy covers far in advance – as in, not at the rental car counter. If you can get something from the rental car company 10 days or so in advance, great. If not, you may want to consider alternatives, like travel protection .

Finally, note that even though the car rental company may tell you that you have to buy their insurance, that’s not true. You don’t need their insurance to rent a car. However, a car rental company can refuse to rent a car to you if you don’t buy their insurance or supply adequate proof of insurance coverage.

Also read: How Travel Insurance is Different from Car or Home Insurance

Does All Travel Insurance Include Rental Car Damage Coverage?

Keep in mind not all travel insurance has rental car damage coverage. Some companies may include this as an optional add-on or include it with other plans. Generali Global Assistance offers travel protection plans with both options.

Does My Personal Car Insurance Cover Rental Cars?

Your personal car insurance might cover rental cars. Remember that it may only be for personal use, not for business purposes. You may need to purchase separate insurance when using a rental car for business. Also, any claims on your personal car insurance might increase your premiums for that insurance.

crashed rental car with front end busted

What Is Covered Under Travel Protection for Rental Car Damage?

Most travel protection plans that include rental car damage coverage may cover damage to the rental car because of collision, theft, vandalism, natural disasters, and more.

Generali Global Assistance’s plans specifically say their Rental Car Damage Coverage is good for “collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered.”

And, not only are you insured, but so is your traveling companion, provided you are both a licensed drivers, and are listed on the rental agreement. Also, in this case, Generali’s Rental Car Damage coverage is primary to other forms of insurance, so it will pay before any other insurance coverage you have.

There are also vehicles that cannot be covered by our plans. These include rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles, vehicles that are older than 20 years, vehicles that have not been manufactured in the past 10 years, vehicles that are rented for commercial purposes, and vehicles that have a manufacturer’s suggested retail price of more than $75,000.

person on a phone at night next to their rental car parked on side of road

What Happens if Your Rental Car Gets Damaged?

Now, let’s return to that scenario we presented at the outset – you know, where you’re debating whether to buy a plan with rental car damage insurance coverage. Let’s say you decided to go with the Rental Car Damage coverage offered with the Generali Global Assistance plans, and you got into an accident, because... of course.

First, you’ll need to do the basics that you’d do with any car accident, like:

Calling 911 or the equivalent;
Filing a report with the police;
Exchanging insurance information
Calling for a tow truck, if you need one;
Taking all your stuff out of the rental car; and
Taking pictures of everything. It literally costs nothing to snap several dozen pictures of everything from insurance information to car damage to the tow truck’s license plate.

At that point you should report the incident to your rental car company and then submit a claim to Generali to seek reimbursement for either the cost of repairs and rental charges imposed by the rental company while the car’s being repaired, or the car’s actual cash value, whichever is less.

Now that you know all the ways you can get rental car damage protection, be sure to consider travel protection for your next trip with a car rental.

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* Rental Car Damage coverage from Generali Global Assistance may not be accepted by all rental car companies and jurisdictions.

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Renting a Car? Understand Your Insurance Options

Making sure you have proper car rental insurance should be part of your pre-travel plan, whether you’re renting a car for a road trip or need a vehicle for personal use or a business trip.

Driving gives you the freedom to explore a variety of new locales at your own pace, or it can simply get you from point A to point B. If you’re renting a car, there are a few things to think about beyond the make and model before you drive off the rental lot. Choosing the right car rental insurance can ensure that you’re adequately protected if there’s an accident and injuries or the car is damaged or stolen. Plus, you’ll want to avoid paying for things you don’t need.

How do you choose the right level of auto rental insurance coverage? There are several factors to consider so you can enjoy a worry-free journey.

Key takeaways

Options for rental car insurance include your current personal car insurance, credit card provider coverage, and insurance provided by the rental company.

The right level of coverage can help protect you in the case of an accident, injuries, theft, or damage to the car.

Types of coverage you should be familiar with include collision damage, liability coverage, personal accident insurance, and personal effects coverage.

Your insurance premium may vary if you add an additional driver, leave the country, or purchase additional rental company insurance, so carefully review the terms and conditions.

Car rental insurance options to consider

Your current personal car insurance.

Depending on the policy, your current personal car insurance may provide adequate coverage for renting a car. It’s important to understand what coverage you have (or don’t have!) on your existing policy.

If you’re road-tripping between Canada and the United States, check with your personal car insurance company about cross-border travel, as you might need to pay some additional fees or it might not cover it at all. It is important to note that coverage on a personal policy for a rental car, whether for pleasure or business use, is available only if you purchase Legal Liability for Damage to Non-Owned Automobiles. Note that this endorsement is only valid in Canada and the United States. It won’t apply if you plan to drive internationally.

Credit card rental car insurance

Many credit cards provide car rental insurance coverage, which can be a great way to save money as you can avoid purchasing additional insurance. But before you rely on your card alone, you’ll need to review the terms and conditions, as coverage can vary widely. You’ll likely need to pay for the entire rental using your credit card to be eligible for the coverage. You also might need to decline additional coverage from the rental company.

Rental car insurance provided by the rental company

Rental car companies offer many different types of coverage. But do you really need the extra insurance? Here are the types to consider:

Collision damage waiver (CDW), or loss damage waiver or physical damage waiver

This usually covers damage to the rental car if there’s an accident, theft, or vandalism. But it might not cover all types of damage—for example, damage to the windshield, mirrors, or tires—and there’s usually a deductible (the amount you’re responsible for paying), so always have a thorough read of the policy.

Liability insurance

Liability insurance is critical, so the legal minimum is often included with your rental car. It can protect you if you injure someone or cause damage to another person’s property or car while driving the rental car. You might need to purchase more than the minimum required by your province or territory. If you’re driving in the United States, where insurance payouts are typically higher, you may want to consider a higher limit.

Personal accident insurance (PAI) and personal effects coverage (PEC)

The last thing you want to worry about while road-tripping is how you would cover medical expenses if there were an accident. That’s where PAI comes in. It can provide

coverage for medical and rehabilitation costs as well as other expenses, like lost income.

If you purchase PEC, you’ll have coverage for any personal belongings that might be stolen from the rental car.

If you know which company you are renting from, contact it in advance to see if you can get a copy of its insurance document to review options and limits and identify gaps or overlaps with your existing coverage.

What to do before renting a car

Before hitting the road in your rental, there are a couple of steps you should take to make sure you have the right coverage:

Call your current personal car insurance provider: Speak with your insurance company to learn whether your current policy covers car rentals, what type of coverage is available under your current policy, and whether any additional coverage is required based on your rental needs and where you will be travelling to.

Understand the coverage available through your credit card or rental company: If your situation requires you to use car insurance provided through your credit card or the rental car company, be sure to check your credit card certificate of insurance and contact the rental company to understand the terms and conditions for both options.

The more you understand in advance of your travels, the more you can relax knowing that you’re covered in any scenario. Connect with an RBC Insurance Advisor to learn more about personal car insurance and coverage while renting a car by calling 1-877-749-7224 or get a quote online today.

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Bank of America® Customized Cash Rewards credit card

Earn 3% cash back when you choose online shopping plus earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

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The chase sapphire rental car insurance guide.

Whether driving to U.S. National Parks or enjoying a romantic weekend at a bed and breakfast, Chase Sapphire ® credit cards can help cardmembers rent a car with confidence.

Chase offers eligible cardmembers rental car insurance as a benefit to supplement their current auto insurance policies.

How to get Chase Sapphire rental car insurance

The first step to obtaining Chase Sapphire rental car coverage is applying and getting approved for a Chase Sapphire card. Once the card is in your possession and activated, the second step is making sure the full amount of the car rental booking is charged to a Sapphire credit card. Chase Ultimate Rewards ® points can also be used towards the cost of the rental car.

A Chase Sapphire cardmember must be the primary driver on the rental car agreement and must decline the rental car company’s Collision Damage Waiver when picking up the vehicle . Accepting the coverage provided by the rental car company will cancel out your benefit.

What’s covered under Chase Sapphire Preferred and Reserve car rental insurance?

Chase Sapphire cardmembers receive primary coverage for theft, damage, valid loss-of-use charges, administrative fees and reasonable towing charges due to covered theft or damage. Coverage is valid in the United States and abroad—check your cardmember insurance for details.

Where coverage is limited

Chase Sapphire Preferred provides coverage up to the actual cash value of the vehicle but excludes certain expensive and exotic vehicles. Chase Sapphire Reserve provides rental car coverage up to $75,000 and does not exclude expensive/exotic vehicles. Both cards have additional limitations including:

Only rentals lasting less than 31 consecutive days are covered. Valuables left inside a rented car that end up damaged or stolen with the vehicle are not covered.

Driving the rental car off-road can void cardmember insurance protections. Vehicles that have not been manufactured in the last ten years, motorcycles, electric scooters and mopeds aren’t covered.

Vans exceeding nine passengers, or peer-to-peer and hourly car rentals are not covered — neither are rented moving trucks and vans.

How to file a rental car insurance claim with Chase Sapphire ®

Cardmembers should retain a copy of the rental car agreement to provide to the Benefit Administrator. A cardmember will also need a copy of their Chase Sapphire Reserve or Preferred statement showing that the entire cost of the car rental was paid using the card or with Chase Ultimate Rewards points. In the case of vandalism or carjacking, cardmembers should include a police report when filing their claim. Copies of the repair estimate, accident report form and photographs could also be required.

The bottom line

Car rental insurance is a benefit extended to Chase Sapphire Preferred and Chase Sapphire Reserve cardmembers. Coverage applies to rental car companies in the United States and abroad. Cardmembers traveling abroad are encouraged to contact Chase prior to departure about their international itinerary and to ensure that the country they are traveling to is included in their coverage.

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Best Car Rental in Playa del Carmen 2024: Important Info + Tips

Are you planning a trip to Mexico and looking for the best car rental in Playa del Carmen? You’ve come to the right guide!

As a travel blogger that lives in Playa del Carmen , I know just how confusing it can be and I’m here to help!

To be completely honest, renting a car in Playa del Carmen can be a bit of a hassle. Rental car scams are common in Mexico and it’s easy to get ripped off.

But at the same time, renting a car gives you so much more freedom to explore all the best attractions in Playa del Carmen and the Riviera Maya.

So if secluded beaches, incredible cenotes, and ancient Mayan ruins are on the top of your must-see list, renting a car is the best way to see them!

MY TOP PICK

⌚️ Don’t have time to read the full article?

The best car rental in Playa del Carmen is Discover Cars , where you can search detailed ratings and reviews to get the best deal!

In this post, I’m sharing everything you need to know about renting a car in Playa del Carmen , including the best car rental options, safety and driving tips, cost and insurance info, common scams to watch out for, and loads of helpful advice.

So if you’re feeling confused or overwhelmed about the Playa del Carmen car rental process, I’ve got you covered in this comprehensive guide!

Ready to discover the best place to rent a car in Playa del Carmen? Let’s get started!

Best Car Rental in Playa del Carmen Mexico

Car rentals in Playa del Carmen Mexico can either be booked online in advance, in person at the car rental location, or upon arrival at the Cancun Airport.

I’ve found that the best option for Playa del Carmen car rentals is to book online in advance through Discover Cars . Here’s why:

Book Online through Discover Cars

Booking a car rental online in advance gives you the best selection of cars and the best prices, as well as detailed ratings and reviews from other customers.

I recommend Discover Cars as the best car rental in Playa del Carmen because they offer:

A wide selection of cars from both Mexican and international rental car companies
Extremely detailed ratings and reviews
Full coverage insurance
24/7 customer service
Free cancellation up to 48 hours in advance

When searching for car rentals on Discover Cars, you can easily see all of the information you need including the insurance coverage, pickup locations, and deposit amounts.

And you can search and filter for the exact type of vehicle you’re looking for including the number of seats, transmission type, and specifications.

But what I love the most is the detailed ratings and reviews you can see for each rental car company. Some of the ratings you can see include:

Overall value for money of your rental car
Ease of finding rental desk or representative
Efficiency of the car rental agents
Time spent picking up the car
Time spent dropping off the car
Car cleanliness
Overall condition of the car

Because you have access to so much information and reviews, you can make a much more informed decision when selecting the best Playa del Carmen car rental for you.

I would recommend sorting the results by “Supplier Rating” and choosing a car rental with a rating of 8/10 or higher.

👉 Search for Playa del Carmen car rentals on Discover Cars here!

In-Person Car Rentals

If you prefer to book a car rental in person, there are many rental car companies located in downtown Playa del Carmen, primarily along 10th Avenue.

You’ll find a mix of both international and Mexican car rental companies such as Avis, Hertz, Budget, Thrifty, Mex Rent a Car, Sixt, and Europcar.

It’s best to check the reviews and ratings of each company before renting there. That’s why I prefer to book online with Discover Cars so I can compare ratings and reviews in one place.

Plus, if you book in person, you’ll typically have less choice in terms of the types of cars available, so it may end up being more expensive.

Rental Car Locations in Playa del Carmen Mexico

Cancun Airport

Cars can also be rented from the Cancun Airport but you’ll want to be cautious when doing so because car rental scams are very common there.

I recommend booking your car in advance through Discover Cars (with full-coverage insurance) and then picking it up at the Cancun Airport.

That way you know that you’re getting the best deals and are protected from any common scams or extra charges.

And the perks of renting from the Cancun Airport are that they have a wider selection of vehicles and are typically less expensive.

Rental Car Counters at Cancun International Airport Terminal 4

What Are the Best Car Rental Companies in Playa del Carmen?

The best rental car companies in Playa del Carmen are Enterprise and Avis, based on customer reviews.

However, there are many other local and international car rental companies in Playa del Carmen like Budget, Europcar, Mex Rent a Car, City Car Rental, Sixt, National, America Car Rental, Hertz, and Thrifty.

Everyone’s experience can vary widely (even at the same location) so be sure to check out detailed reviews when selecting your best option.

Avis Playa del Carmen Rental Car Location

Is it Safe to Rent a Car in Playa del Carmen?

Yes, it is safe to rent a car in Playa del Carmen but it’s important to take certain precautions.

Rental car scams are common in Mexico so it’s best to book your rental car online in advance (I recommend Discover Cars ).

This will ensure you get the best availability and best selection of cars, while giving you detailed ratings and reviews to compare.

When booking, always read the fine print of your rental agreement before signing anything.

This will ensure you know exactly what is covered in the agreement and how much you will be paying.

And before setting out, always take pictures, make sure your car has a full tank of gas, and be sure to download offline maps in case you lose cell service.

Finally, make sure to follow all local laws, drive defensively, and never leave any valuables in the vehicle.

It’s also best to avoid driving at night in Mexico as roads can be more dangerous and visibility is limited.

Is it Necessary to Rent a Car in Playa del Carmen?

When deciding whether or not to rent a car in Playa del Carmen, it really depends on your travel plans.

If you are planning to stay within the city limits and spend all your time at the pool or beach, then renting a car may not be necessary.

In that case, the easiest way to get around is to book a private airport transfer and then use taxis and public transportation options like colectivos or the ADO bus to get around.

However, if you want to explore the Yucatan Peninsula or visit nearby cities in Quintana Roo, secluded beaches, sacred cenotes, and hidden attractions, then renting a car may be the best option.

In addition, renting a car can save you money in the long run since long-distance taxi fares in the Riviera Maya are not cheap and can add up quickly.

Some nearby towns worth visiting on a Yucatan road trip are Puerto Morelos , Bacalar Lagoon , Mahahual , Valladolid, Merida, and El Cuyo .

So, if you are planning to explore more of Mexico and get off the beaten path, then renting a car in Playa del Carmen is definitely worth considering.

Playa del Carmen Highway to Bacalar Mexico

How Much Do Rental Cars Cost in Playa del Carmen?

Rental car costs vary depending on the type of car, the rental company you choose, the pickup location, and the rental duration.

Generally, economy cars start at around $25 USD/day, mid-size cars start at around $30 USD/day, and larger vehicles (SUVs) start at around $40 USD/day with car insurance included.

Additionally, full-coverage insurance from Discover Cars can be purchased for around $6-$12/day which is highly recommended as it will protect you from excess damages or liabilities.

What Kind of Cars Can You Rent in Playa del Carmen?

Car rental options in Playa del Carmen are pretty basic, ranging from economy to mid-size vehicles to larger SUVs and vans. Additionally, some premium cars are available like luxury cars and SUVs.

These are some examples of the types of rentals cars in Playa del Carmen:

Economy: Nissan March, Chevrolet Spark, or similar
Compact : Chevrolet Aveo or similar
Standard: Nissan Versa, Nissan Sentra, or similar
SUV: Nissan Kicks, Kia Sportage, or similar
Passenger Van: Kia Sedona or similar
Premium: Volkswagon Jetta or similar

Unfortunately, it will be harder to come by fun vacation cars like jeeps or convertibles. But Playa del Carmen doesn’t really have many scenic oceanfront drives, so it’s not really worth it to rent one anyway.

Where Are the Car Rental Pick-Up Locations in Playa del Carmen?

Car rental companies are located throughout Playa del Carmen, but the large majority of them are located along 10th Avenue near Constituyentes.

If you are staying at a hotel or vacation rental in the Playa del Carmen downtown area, you will likely be able to walk to the pickup location.

Or if you are staying further away, a quick taxi ride can get you to the Playa del Carmen car rental locations.

What’s the Parking Situation in Playa del Carmen?

Parking in Playa del Carmen varies from location to location, but generally speaking there is plenty of roadside parking throughout the city.

In many areas, this is metered parking during the day so you’ll need to pay at a nearby kiosk. Make sure to have pesos (coins) on hand for this.

If you are visiting grocery stores like Walmart , Chedraui, or Mega, free parking is available on-site.

For overnight parking, it’s best to check with your hotel or vacation rental if they offer on-site parking. Many of the larger condo buildings in Playa del Carmen have free underground parking garages.

And if you are planning to visit beaches or cenotes outside of Playa del Carmen, free parking is typically available.

Is it Safe to Drive in Playa del Carmen?

Yes, it is generally safe to drive in Playa del Carmen, although you should always be aware of your surroundings, follow all traffic laws, and practice defensive driving.

In general, drivers in Playa del Carmen (taxi drivers especially) can be a bit unpredictable and aggressive at times, so be aware and drive cautiously.

The roads and highways in Playa del Carmen are mostly well-maintained but there are some occasional potholes and other road hazards, so be sure to keep an eye out.

You’ll also want to watch out for speed bumps (“topes”) which are extremely common in Mexico and can easily sneak up on you.

It’s also common to come across traffic checkpoints, which are typically staffed by Mexican police and military personnel.

You typically just have to drive slowly through them so don’t be alarmed if you come across one. As long as you are not doing anything illegal, you most likely won’t be asked to stop.

It’s best to avoid driving at night as well, as roads can be more dangerous and there are more inherent safety risks.

🚨 Do you need travel insurance for Mexico? Yes! Most insurance plans in your home country will not cover incidents abroad. I recommend using Travel Insurance Master, which is a handy travel insurance marketplace where you can compare policies. Get a FREE quote by clicking here !

Can You Rent a Car from Cancun Airport?

Yes, it’s possible to rent a car from Cancun International Airport and they typically have a wider selection of vehicles at lower prices.

However, it’s important to be aware that rental car scams are extremely common at the Cancun Airport and many travelers have reported being charged insanely high fees or not getting the car they reserved.

In general, the Cancun Airport can be chaotic and stressful and unfortunately, it’s a place where many people get taken advantage of.

To avoid added stress, I recommend booking your car online in advance through Discover Cars , since you can compare prices and reviews from different providers and make the most informed decision.

How Are the Road Conditions in Playa del Carmen?

The road conditions in Playa del Carmen are generally in very good shape. The main highway 307 is well-maintained, although you may face occasional traffic delays and road construction areas from the Maya Train.

If you are planning to drive within the main tourist destinations, you should be able to get by with an economy or mid-size sedan without any issues.

However, if you’re planning to drive on any backroads (like to El Cuyo for instance), you may want to consider renting a four-wheel drive vehicle or SUV as some of these roads can be quite rough, especially after heavy rains.

Additionally, if you’re planning to drive to further destinations like Chichen Itza or Valladolid, you’ll likely come across the toll roads (“cuotas”).

Always take toll roads when possible as they are much safer, faster, and well-maintained.

Do You Need to Buy Insurance for Car Rentals in Mexico?

Yes, insurance coverage is required by law to rent a car in Mexico.

Types of Insurance

Here are the different types of insurance explained:

Liability Insurance

Third Party Liability Insurance is the most common type of insurance for car rentals in Mexico and it covers any damage or injury that may occur to another person or property as a result of an accident.

Liability insurance is mandatory in Mexico and is included in the price of some rentals. Be sure to check the Rental Conditions agreement to verify that this is included.

Collision Damage Waiver (CDW)

Collision Damage Waiver (CDW) or Loss Damage Waiver insurance coverage reduces your liability for any damage to the rental car in the event of an accident.

Collision Damage Waiver is included in the price of some rentals but is usually pretty basic and may only cover certain parts of the rental vehicle.

If you chose the Full-Coverage insurance plan from Discover Cars, they will reimburse any expenses that are not covered (up to $3000 EUR).

Purchasing this plan is a nice added safety net in case anything happens to your rental car.

💳 Note : Many credit card companies in the US also offer CDW coverage as part of their reward programs. Some rental companies in Mexico may accept this but the majority most likely will not. Do not count on using this benefit in Mexico.

Theft Protection

This optional insurance coverage protects you from any theft that may happen to the rental car during your trip.

This will likely be an upsell from the rental agency and is often not worth the extra cost as long as you don’t leave any valuables in your vehicle.

Which type of insurance do you need?

My recommendation is to choose a car rental on Discover Cars that includes both Third Party Liability (TPL) and Collision Damage Waiver insurance in the rental price.

You can check the “Rental Conditions” and the green check boxes to make sure that both are included.

You’ll notice the cheaper rentals probably don’t have both types of insurance included, so you’ll likely be charged more at the rental car counter.

Third Party Liability insurance is mandatory and most car rental companies also require Collision Damage Waiver insurance so if you want to avoid additional fees when you go to pick-up the car, select a a car rental with both types of insurance included upfront.

Additionally, it’s also a good idea to purchase the Full-Coverage plan on Discover Cars, as that will give you added coverage in case of any damage to the car.

The Full-Coverage insurance plan from Discover Cars costs about $6-$12 USD per day depending on the vehicle type and will cover any excess charges (up to $3000 EUR) in the event of theft or damage.

Road in Front of Beach with Passing Cars

Requirements for Renting a Car in Playa del Carmen

These are the necessary requirements for renting a car in Playa del Carmen:

At Least 25 years old

First and foremost, you typically must be at least 25 years old in order to rent a car in Playa del Carmen.

Some companies may allow drivers under the age of 25 but they may require an additional “Young drivers” fee.

Valid Passport

A valid passport is also required to rent a car in Playa del Carmen and fees may vary depending on your country of residence.

Valid Driver’s License (or IDP)

A valid driver’s license is also required. If you are from the United States or Canada (or any country that uses the Roman alphabet), you can use your standard driver’s license from your country.

If you are from another country that does not use the Roman alphabet (e.g. China, Japan, etc.), you will need to obtain an International Driving Permit (IDP) in order to rent a car.

Credit or Debit Card

A credit or debit card is also required for the car rental deposit, which may be around $1,000-$2,000 USD depending on the type of vehicle.

It’s always best to use a credit card instead of a debit card if possible as they offer more protections and will take significantly less time to process the refund.

Some rental companies may accept cash payments but this can be more costly and will likely require a huge sum of money.

It is a requirement to purchase liability insurance that is valid in Mexico when renting a car in Playa del Carmen.

Your credit card coverage will likely not cover you in Mexico so you’ll need to purchase the mandatory liability insurance that is included in most rentals.

Common Rental Car Scams in Playa del Carmen

These are some common Playa del Carmen rental car scams to watch out for. In some cases, these might be unavoidable because unfortunately, that’s just how things operate in Mexico.

$1/Day Car Rentals

You might come across some rental agencies that offer cheap cars for a low price of only $1/day and while this may sound too good to be true, it probably is.

In most cases, these “deals” include an incredibly high deposit fee or mandatory insurance that you won’t be aware of until you show up to the rental counter.

Hidden Fees

One common rental car scam is charging much more than agreed upon in the online reservation.

This can be for the car rental, additional insurance fees, extra drivers, GPS systems, local taxes, or whatever other fees they may think of.

It’s best to check all the paperwork and receipts carefully to make sure you’re not being overcharged.

Insurance Overcharges

Rental car companies may try to upsell you on additional insurance, liability waivers, or other “add-on” services.

It’s best to do your research to make sure you’re familiar with the different types of insurance and what’s already covered in your reservation.

Bait and Switch

Another common rental car scam is the classic bait and switch for the vehicle type.

This means that they will bait you with a low rate for a particular type of vehicle online, but when you get to the rental location, they’ll switch it for a different type of car or a much more expensive one.

It’s best to make sure that you read your reservation confirmation and get a full list of what’s included before you book.

Large Credit Card Deposits

Most companies will require credit card deposits for rentals, but some companies will try and charge something crazy like $10,000 USD for a deposit.

It’s best to always use a credit card instead of a debit card and make sure you have enough credit limit available for the deposit.

Charges for Damages

Another common scam is for car rental companies to try and charge you for damages to the vehicles.

Be sure to inspect the car for any damages thoroughly before you rent it, take plenty of pictures, and make sure it’s noted in the paperwork.

This will help to avoid extra fees for damages that may have been present when you rented it.

Other Car-Related Scams to Watch Out For

Besides car rental scams at the rental office, there are also a few other car-related scams to watch out for while driving in Mexico:

Bill Swap Scam

This type of scam happens most commonly when filling up at a gas station. Gas stations in Mexico are not self-serve, which means that there are attendants that will pump the gas for you.

If paying in cash, it’s a common scam for them to try and swap a $500 peso bill with a $20 peso bill because they are both blue in color.

For instance, if you give them $500 pesos, they’ll do a quick swap while you’re not looking and say that you only gave them $20 pesos.

Gas Pump Reset Scam

Another common scam is when the gas attendant doesn’t reset the pump to zero before filling up your car.

This means that you could be charged for more gas than you actually used. Always check that the meter is at zero before filling up your car.

Window Washers

This is not really a scam but it’s important to know that while stopped at a traffic light, it’s very common for window washers to approach your vehicle and offer a quick windshield cleaning service.

If you don’t shake your head no or tell them to go away, they’ll quickly start washing your windows and then will expect a fee for the service.

How to Avoid Car Rental Scams in Playa del Carmen

Follow these Playa del Carmen car rental tips to ensure you have a safe and stress-free rental experience:

Reserve online in advance

When booking your Playa del Carmen car rental, it’s best to book online in advance through Discover Cars .

This will help to avoid any scams and get the best rate, as well as give you plenty of time to compare prices, check reviews, thoroughly read the rental agreement, and check for any hidden fees.

Be cautious when renting from the Cancun Airport

Cancun Airport car rentals are convenient but there is a much greater chance of being scammed.

I recommend booking in advance through Discover Cars so you can compare prices and policies ahead of time.

Check reviews

Before booking, make sure to check reviews and ratings of the car rental company carefully.

On Discover Cars , you can see very detailed ratings and reviews for car rental companies in Playa del Carmen.

I recommend sorting the results by “Supplier Rating” and choosing a car rental company with an 8/10 rating or higher.

Take pictures at pickup and dropoff

Before you rent, make sure to take pictures of the car both inside and outside.

If there are any noticeable damages, bring them to the attention of the attendant and make sure they are noted in writing.

At dropoff, do the same and make sure all damages are recorded in writing.

This will help you avoid any extra fees or charges for damages that may have already been present when you rented the car.

Use a credit card instead of a debit card

It’s best to use a credit card instead of a debit card for your car rental deposit as refunds take significantly less time and there are typically more protections from your credit card company.

You’ll also want to make sure you have enough credit limit available on your credit card for the entire amount of the deposit.

Have your insurance in order

Before arriving at the car rental pickup location, make sure you’ve read the rental agreement carefully so you are aware of the insurance requirements.

If you’ve purchased full coverage insurance via Discover Cars, make sure to have that documentation ready and available.

Read the fine print

Be sure to read the rental agreement in detail and do not sign anything that you don’t completely understand.

Make sure to look out for hidden fees and check for any extra insurance or charges that may be added to the rental agreement.

If you have any questions, don’t hesitate to ask the attendant.

Return the car with a full tank of gas

Most rental companies will charge you a premium for returning the car with less gas than when you started.

Typically your rental agreement will say “Full to Full” or “Same to Same”, indicating the level of gas that is should be returned with.

If it’s “Full to Full”, make sure to fill up the tank before you return the car. It also doesn’t hurt to take a picture of the gas gauge in case they try and charge you after the fact.

Important Tips for Driving in Playa del Carmen

Follow these Playa del Carmen driving tips for a safe and enjoyable experience:

Watch out for speed bumps (topes): Speed bumps are very common in Playa del Carmen and can often appear out of nowhere. Make sure to slow down as you approach any intersections or roundabouts and pay close attention to the road.
Follow all traffic laws: Driving in Mexico can be a bit chaotic, so make sure to follow all traffic laws and obey the speed limit. This includes stopping at red lights and stop signs, yielding to oncoming traffic when turning, and wearing your seatbelt at all times. It’s also best not to use your cell phone while driving. You can get pulled over and fined (or bribed) by the police for these infractions.
Avoid driving at night: It’s best to avoid driving at night in Playa del Carmen as it can be difficult to see due to the lack of streetlights in some areas and unfamiliar road conditions. Plus, safety risks due to drug violence increase at night.
Speed limits are in kilometers/hour: Mexico follows the metric system, which means speed limits are measured in kilometers/hour. Make sure to familiarize yourself with the speedometer and speed limit signs and adjust your speed accordingly.
Gas is in liters: Gas is also measured in liters, so make sure to use the right units when filling up at a gas station.
Be cautious during traffic checkpoints: Traffic checkpoints are common in Mexico, so it’s best to stay calm and cooperative when approaching one. As long as you are not doing anything illegal, you most likely will not be asked to stop.
Never leave valuables in your car: Petty theft is unfortunately common in Mexico so it’s best to not leave any valuables in your car unattended–even in the trunk. Always lock your doors and keep your windows up when you’re not in the car.
Always take the toll roads: When visiting destinations in the Yucatan peninsula outside of Playa del Carmen, you will likely have to take a toll road. While this costs a small fee, it’s much safer as the roads are well-maintained and there are fewer risks.
Download offline maps: When driving around this part of Mexico away from the main tourist towns, it’s not uncommon to lose cell service. Be sure to start your navigation before setting out and download offline maps in case you were to lose service along the way.
Don’t get confused by the attraction signs on the highway: When driving on the main highway 307, you’ll often see official road signs for Riviera Maya hotels , towns, and attractions like the Xcaret parks . This can be deceiving because it seems like these places are coming up but in reality they are MUCH further down the main road. It’s best to stick to Google Maps or GPS navigation to get to your destination.
Gas pumps are not self-serve: Gas pumps in Mexico are operated by attendants and you will not pump the gas yourself. Be prepared to tell them how many liters or pesos worth of gas you would like.

What to Do in Case of an Emergency

Here’s what to do if you get into an accident or have a breakdown:

Contact the Rental Car Company

The best thing to do in the event of a breakdown is to contact your rental car company and let them know what happened.

They will be able to provide you with assistance or advice.

If you get into an accident, it’s best to call 911 to request assistance from the local emergency services.

They will dispatch police, fire, or medical units depending on the severity of the accident.

Is there Uber in Playa del Carmen?

A law was passed in January 2023 to allow Uber to operate in Playa del Carmen. However, the taxi unions have strongly protested this law and even created barricades on the highway and there have been reports of violence against Uber drivers.

Even in 2024, it is still not safe to use Uber in Playa del Carmen , at the Cancun Airport , or anywhere in the Riviera Maya region.

It’s best to arrange a rental car, take a taxi, or use public transportation options to get around Playa del Carmen.

Best Ways to Get Around Playa del Carmen

If you plan to stick to downtown Playa del Carmen or don’t feel comfortable driving in Mexico, these are the best ways to get around Playa del Carmen :

The entire downtown area of Playa del Carmen is almost completely walkable, which makes it very easy to get around on foot.

The town is centered around the lively 5th Avenue (“La Quinta Avenida”), which is a pedestrian-only street than spans for over 20 blocks and where you’ll find the majority of restaurants , shopping , and nightlife .

You can easily walk within a few blocks from 5th Avenue to the beach, restaurants, shopping malls, and grocery stores.

Biking / Biciplaya

Biking is extremely popular in Playa del Carmen for both tourists and locals, and you’ll find bike parking racks all around town.

The best street to bike down is 10th Avenue, which is one of the main roads and has a dedicated bike lane for a good distance of the downtown area.

Additionally, Biciplaya is a pick-up and drop-off app-based bike rental service that can be used for short rides around town. You can download the Bicplaya app to start riding today.

You can take a taxi to get just about anywhere in Playa del Carmen. They are so abundant that you can find them all over the city and easily hail them from the street.

Taxis in Playa del Carmen are generally safe but there are bad taxi drivers out there which give them a bad name.

It’s best to use a taxi service like Radio Taxi , where you can arrange a ride on WhatsApp .

A colectivo is the most popular form of public transportation in Playa del Carmen and is basically a taxi-style van that runs continuously up and down the main highway.

Colectivos can be taken north to Cancun, south from Playa del Carmen to Tulum , or even to Chiquila if you’re planning to visit Holbox Island .

Once you get the hang of it, colectivos are an easy and inexpensive way to get to beautiful beaches, cenotes, and towns just outside of the city of Playa del Carmen.

Playa del Carmen to Tulum Colectivo Public Transportation

The ADO bus line is one of the largest bus lines in Mexico and serves the southern part of Mexico and the Yucatan peninsula.

In Playa del Carmen, the ADO buses are most commonly known as the airport bus, as it’s the cheapest way to get from Cancun Airport to Playa del Carmen .

The Playa del Carmen ADO bus station also serves as a Riviera Maya transportation hub to reach other nearby destinations like Tulum , Cancun , Bacalar , Holbox , Merida, and Valladolid.

Best Places to Visit with a Rental Car in Playa del Carmen

Once you get your Playa del Carmen rental car squared away, these are some of the best places to visit in the Yucatan peninsula:

Secluded Beaches

Mexico’s Caribbean coast is home to some of the best beaches in the world with turquoise waters and powder white sand.

And many of these are hidden gems or secret beaches that can only be reached by car.

Some of the best secret beaches near Playa del Carmen are Xcacel Beach , Playa Xpu-Há , and Punta Maroma .

The Yucatan peninsula is home to hundreds of stunning cenotes. These natural sinkholes are filled with fresh water and are perfect for swimming, snorkeling, or just hanging out in a beautiful natural setting.

Some of the best Playa del Carmen cenotes to visit are Cenote Eden , Cenote Azul , Cenote Cristalino , Dos Ojos Cenote, Gran Cenote, Cenote Calavera, and Cenote Taak Bi Ha .

And if you want to see some really incredible cenotes, then head to Valladolid and check out Ik Kil Cenote, Cenote Suytun, Cenote Oxman, or Cenote Zaci.

Mayan Ruins

The Mayan civilization left behind some of the most impressive ruins in the world. With a rental car, you have the freedom to travel anywhere and check out some of these amazing sites.

Near Playa del Carmen, some of the best Mayan ruins to visit are the Mayan Ruins at Tulum , Cobá, and you can even get to Chichen Itza without having to take a Chichen Itza tour .

And if you have time, be sure to check out less well-known ruins like Uxmal, Ek Balam, or Chacchoben .

Adventure Parks

The Yucatan peninsula is full of adventure parks and eco-parks that offer different experiences like zip-lining , ATV tours , underground rivers, snorkeling, and much more!

The most popular adventure parks near Playa del Carmen are the Xcaret adventure parks including Xcaret , Xplor , Xel-Ha , Xenses , Xavage , and Xoximilco.

Transportation to these parks can be expensive, so a rental car is a great way to save money when visiting the parks. Plus, free parking is available at all the parks.

Ruta de los Cenotes

The Ruta de los Cenotes (“Route of the Cenotes”) is a route near Puerto Morelos that is lined with incredible cenotes and eco-parks like Cenote Zapote .

Having a rental car is the best way to visit Ruta de los Cenotes as this area is a ways off the main highway and can’t be reached easily with public transportation.

Plus, with a rental car, you have the freedom to explore and find some of the best and most secluded cenotes on your own.

Akumal Bay is a stunning beach just south of Playa del Carmen that is known for its abundance of sea turtles.

There are so many sea turtles in Akumal that turtle sightings are almost guaranteed and you can snorkel with them right off the beach.

With a rental car, you can get to Akumal early in the morning, before it gets crowded, and have an amazing experience with the turtles.

Car Rental in Playa del Carmen: FAQs

Here are the answers to some of the most frequently asked questions about renting car rentals in Playa del Carmen MX:

In Mexico, they drive on the right side of the road.

No, you do not need an international driver’s license to drive in Mexico as long as you have a valid driver’s license from a country with the Roman alphabet. If your license is not in the Roman alphabet (e.g. China or Japan), then you will need an international driver’s license (IDP).

Car rental prices in Playa del Carmen vary depending on the type of car, length of rental, and pickup location. However, you can expect the average price to be anywhere from $25–$60 USD per day for an economy or compact car. Prices may also be higher during high season.

Most rental cars in Playa del Carmen are automatic, however, some companies may offer stick shift options. Be sure to check the car specifications when booking.

Conclusion: Best Car Rental Playa del Carmen Guide

I hope this rental car Playa del Carmen guide has been helpful in learning about what to expect when renting a car in Playa del Carmen.

I wish I could tell you it’s going to be a pain-free process but unfortunately renting a car anywhere in Mexico can be a bit of a headache and scams are common.

But at least now you know what to expect, what to watch out for, and what tips to follow so you have a clear idea of how things work when booking a car rental in Playa del Carmen.

I recommend using Discover Cars to find the best car rental in Playa del Carmen for you because you can compare prices and see detailed reviews of many different rental car companies in Playa del Carmen.

And it’s the best choice to purchase their full-coverage insurance to make sure you’re covered in case of any unexpected events while driving.

Having a car in Playa del Carmen isn’t an absolute necessity but it does come with a lot of benefits, especially for those who are looking to explore more of the Yucatan peninsula.

Be sure to follow the tips outlined in this guide when renting and while driving to have a less stressful experience with your Playa del Carmen car rental.

Safe travels!

How to Get Around Playa del Carmen
How to Get from Playa del Carmen to Tulum
How to Get from Cancun to Playa del Carmen
Is There Uber in Playa del Carmen?

🇲🇽 Traveling to Mexico soon?

These are the Mexico travel resources I use and recommend:

🏨 Hotels : I always find the best deals for Mexico hotels and resorts on Expedia or Booking.com . If you prefer a vacation rental, check VRBO as they are often cheaper than AirBnB’s added fees!

✈️ Flights : I recommend using Skyscanner for the best Mexico flight deals. Be sure to sign up for their price alerts for your preferred travel dates.

🚗 Rental Cars : I recommend using Discover Cars because you can compare multiple car rental companies and see detailed ratings for overall value, ease of pick-up, efficiency of agents, car condition, and overall time spent.

🚙 Cancun Airport Transportation : I recommend booking a private transfer with Cancun Airport Transportation for the quickest and most hassle-free option!

🤿 Tours & Activities: I always use Viator or GetYourGuide for booking tours and activities in Mexico. You can cancel up to 24 hours before the tour for a full refund, plus they have excellent customer service if you were to have any issues.

🚨 Travel Insurance: After my Dad broke his hand in a taxi accident in Playa del Carmen, I always recommend buying travel insurance before your trip for added peace of mind! I recommend Travel Insurance Master for short trips or Safety Wing for digital nomads.

☀️ Biodegradable Sunscreen : Don’t forget to add biodegradable sunscreen to your Mexico packing list ! Regular sunscreen is prohibited on most snorkeling tours, so you’ll need to pack some biodegradable sunscreen for sun protection. I recommend Sun Bum Sunscreen , which is reef-friendly, vegan, and cruelty-free.

Allison Sicking is the founder of Viva La Travelista. After moving to Playa del Carmen, Mexico in 2018, she created her travel blog to empower others to travel safely and confidently in Mexico and other Spanish-speaking countries. Using her Spanish language skills and expertise in Mexico travel, she is passionate about teaching others to travel Mexico like a local.

Complete Guide to Renting a Car in Tunisia (2024)

Doing a road trip around tunisia is the best way to see the country. this guide will teach you everything you need to know about car hire in tunisia..

This is an image of the NPTS privacy policy and disclaimer that links to the privacy policy.

If you’re considering renting a car in Tunisia, you’ve come to the right place. I rented a car in February 2024 with two other friends to do a big road trip around Tunisia . We went to the most northern tip of Africa at Ras Angela, down to the deserts of Tozeur and Tatooine , and several stops in between. The road trip was my favorite week of the two months I spent in Tunisia.

If it weren’t for having our own set of wheels, we definitely wouldn’t have been able to see several things that we did. We made our schedule and never had to worry about public transportation or timetables. If you can, I highly suggest renting a car during your trip to Tunisia.

Driving through the Chott El Djerid desert in Tunisia. There is rain on the windshield and lots of sand in the street, with desert on both sides.

Read more: 21 Things to Know Before Coming to Tunisia

Renting a car in Tunisia

We did a lot of research before starting on our Tunisian road trip like where to visit, which cities and ruins to see, where to sleep, and most importantly, which car should we choose? We ultimately decided to go with RentalCars.com , which was a wise choice in the end. They were very helpful when filing an insurance claim (more on that later).

🚙 Book Your Rental Car in Tunis HERE 🚙

Pick up your rental car at the Tunis-Carthage airport!

Renting a Car vs Public Transportation

When traveling to a new country, one of the main questions I find myself asking is “How will I do the actual traveling part?” Should you rent a car? Use public transportation? Taxis? Private intercity taxis? During my two months in Tunisia, I did a bit of both, as it suited my needs.

Before arriving in the country, my Tunisian friends kept saying I needed to have a car because public transportation is bad. However, I didn’t want to rent a car for two entire months as that would be quite costly. The best thing to do is to consider what you want to do and what is a priority for you.

Renting a Car

Renting a car was necessary for our road trip as we wanted to make several stops in the middle of nowhere, get to places where public transportation didn’t go, and make our own schedules. Some of my favorite places to visit on the road trip were places that required a car as public transport didn’t go there.

Renting a car will be more expensive than taking public transportation. But you should also think of the convenience of private transportation, and the time you want to spend on dealing with buses, trains, and louages , etc.

This image was taken from the passenger side window of a car. On the left side you can see a road, and 4/5 of the right side of the photo is green grass in rolling hills. In the distance you can see the blue sky and the blue waters of the Mediterranean at Ras Angela, the most northern tip of Africa.

Public Transportation

While hiring a car in Tunisia was very convenient, I found public transportation to be very reliable when going from one city to the next for a day trip. If you only plan on going to main cities and hubs, then you should be fine with public transportation only.

There is one train line that goes from Tunis to Metlaoui, with several stops in between, including El Jem and Sousse . The trains are always delayed and not reliable, however. There are also buses between some major cities, but I also found them to be a bit inconvenient. The best mode of public transportation in Tunisia is the louage, which is a shared passenger van. I wrote a whole blog post about how to take a louage in Tunisia.

Visit Monastir by louage. This is the louage station in Monastir.

Going to Tunisia soon? Get Ready at a glance: Get travel medical insurance with SafeyWing . Book your stay with Booking.com . Check Flights with Skyscanner or Hopper . Rent a car with RentalCars.com . Download the Airalo app and get a Tunisian eSIM . Take a tour with GetYourGuide or Viator . Have a 1:1 consultation with me in advance!

Why is renting a car a good idea in Tunisia?

There are so many reasons why it is a good idea to rent a car in Tunisia. Tunisia, like the US, is very much a car-based society. I found gas to be quite affordable as well. There are so many amazing places to see around Tunisia that you wouldn’t be able to see without a car such as Ras Angela (Africa’s most northern point), the Dougga Ruins (an ancient Roman and Numidian town), several Star Wars filming locations in the south, etc.

We loved having the freedom to explore on our own, go at our own pace, and make stops whenever we felt like it. Like once, for example, we saw a herd of camels crossing the street in the desert, so we stopped to watch them for a while.

Several camels are crossing the street in the south of Tunisia, near Tozeur.

What kind of car should I rent?

For our one-week road trip , we rented a 4-door sedan, and it was perfect for our needs. There were three of us, so we were all comfortable with the space and had plenty of room in the trunk for all of our bags and suitcases. We even had extra room to buy some carpets and souvenirs along the way.

My friends loading up the rental car in the morning during our Tunisian road trip.

If you plan on driving deep into the desert and going off-roading, then a 4×4 might be the best option for you. That said, it will be more expensive and take more gas. You won’t need such a strong car for the majority of places in Tunisia. Therefore, I suggest getting a mid-size sedan or hatchback for your road trip . Then, if you really want to go deep into the desert, just organize a one-day tour on quad bikes or camels .

What is the best season to rent a car?

Because Tunisia has more of a desert/beach climate, you won’t necessarily find a ‘bad’ season to rent a car, in terms of weather conditions. However, it will be more expensive in the summer than in the winter due to the sheer number of incoming tourists in the country. Just keep in mind that January and February are the rainy months, so make sure the windshield wipers are in good shape.

I always recommend traveling in the off seasons, or the shoulder seasons of the regular tourist season. This is due to both experience and cost. More people traveling means higher costs and more crowded places. Fewer tourists mean lower costs and more authentic travel experiences.

How much does it cost to rent a car in Tunisia?

Our car rental in Tunisia cost us $250/week, everything included (except gas). Because we were three people, it was even more affordable, as we were able to divide up the costs. You should expect the prices for the same car (economy sedan) to rise in the summer months.

How do I rent a car?

Car hire in Tunisia was pretty simple. Below I will lay out the steps to take to help you feel a bit less overwhelmed.

Find the company that works for you

Check online and compare prices for big car rental companies like Hertz, Budget, Europcar, etc. to see the difference in prices and styles for your needs. I find the rental aggregators to be the most efficient, such as DiscoverCars and RentalCars.com as they sort through all of the car companies to find the best deals.

We ultimately went with RentalCars.com as they had the best prices for what we needed; we got the best deal from Budget using RentalCars.com . As I’ll explain later, we got some scratches on our rental car and needed to submit a claim to insurance. RentalCars.com had great customer service and was instrumental in getting the documents that we needed.

Make an online reservation

Once you find the car you like, click that reservation button, and fill out your details.

One nuanced thing we noticed was that the price changed depending on who filled out the information. Initially, my Brazilian friend filled out his info, and the price was $200. Then we realized that I was the one who needed to put in the info details (because we were using my credit card), and the price changed to $250 when I changed my nationality to American.

Pay with a good credit card

The best thing we did for ourselves on this trip was rent the car using my Chase Sapphire credit card . This is because the Chase Sapphire card includes rental car insurance. You need to make sure to decline the rental insurance directly with the car company to be able to access the Chase Sapphire rental insurance. This was the first time I had ever needed to use car rental insurance, and I was so glad I had it.

Pick up the car

The easiest thing to do is rent a car at the Tunis airport, as that is the location where you will most likely be entering first. The Tunis airport is also close to the center of the city, so even if you aren’t picking up your car right away, it is still easy to get back there to grab it and drop it off.

Keep in mind that there may be a language barrier. Tunisians speak Arabic and French, however, because the car rental workers are used to dealing with tourists, they often speak several other languages, especially English.

The majority of the car rental companies have a counter on the main floor of the Tunis airport. Some companies, however, will require you to meet them at a particular section of the airport parking lot. That was the case with Budget as they did not have a counter inside. They gave us a phone number to call once we arrived and then met us in the parking lot.

Record previous damage

Once you meet your car rental employee, you’ll do a walk-through with them, looking at both interior and exterior damage. They will also take note of the current gas level. You need to return the car at the same level as you received it. They don’t always fill the gas to the maximum before giving you the keys.

I suggest taking a video as you walk around the car, noting previous scratches, scrapes, and bumps to the car. I also suggest checking the windshield wipers before driving away. We didn’t do this, and ended up with a very bad wiper on the driver’s side, making the driving a bit more challenging during the rain.

Sign documents

As you would anywhere else in the world, you’ll need to sign the rental documents stating that you agree to the terms and the days/times of the rental. Make sure to return your car at the prompt time, or you may be charged a fine. Keep the documents in the glove box along with the registration and insurance for the car.

Leave the parking lot

Once you have assessed the previous damage, and signed all the documentation, it’s time to leave the Tunis airport. The car rental employee will give you a small ticket. Take that ticket to the parking meter boxes near the exit. You need to pay to exit. It cost just a couple of Dinars.

Enjoy your Tunisian road trip

This is the best part. Explore all that Tunisia has to offer, which is a lot. Below I will offer some tips for driving in Tunisia, as well as common habits of Tunisian drivers. Keep reading!

Return the car

Make sure to arrive back at the Tunis airport to return your car rental promptly. They may charge you a fine if you return the car later than originally promised. Rental days are in 24-hour increments. So if you pick up your car at 10 am, you need to return it by 10 am as well.

Once you park, call the same phone you were given with your reservation, and the attendant will meet you at the car. They will take a look around the car to assess any new damage and check the gas levels to ensure they are the same as when you received the car.

If there is nothing wrong, this process will be very quick. If there is damage, you should expect a longer return, so allow yourself time if you need to catch a flight the same day. Down below, you will see the steps to take if you do return your car with damage (like we did).

How do I fill up with gas?

The main gas stations in Tunisia are Petrole Tunisie, Ola, StarOil, and Shell. In big cities, you can easily find a gas station on nearly every corner. In the desert areas, gas stations will be more sparse, but we were still able to fill up when necessary without issues. I suggest filling up your tank before crossing big stretches of the desert though, like the Chott el Djerid.

When you go to the gas station, you do not need to pump your own gas. Just pull up to a pump, and an attendant will come to you. Tell them what kind of gas you want, and how much, and they will do the work for you.

We found that the majority of gas stations allowed us to pay with a credit card, though every once in a while, cash was the only option. Make sure to ask in advance before getting gas, if you can pay with a card if you think this will be an issue for you. We were able to fill up our 4-door Sedan for 100 TND (30 USD).

What is it like to drive in Tunisia?

Each country has their own nuanced way of doing things when it comes to driving, and Tunisia is no exception. Below I’ll list out some things to look for while driving in Tunisia.

Paying tolls

The majority of main roads and highways in Tunisia require you to pay at the tolls. They are usually inexpensive, but you need to make sure to have exact change ready. Cars quickly form a line at the toll booths if you are not quick to hand over your money. Sometimes they even start honking, which can be a stressful experience.

To mitigate the stress, I suggest having a small bag or cup full of Dinar coins in the car, so that you can quickly pay when you reach the window. The prices will usually be posted just before the window. But be careful because we were ripped off a few times at these windows. When we handed over the money, the attendant said it was a higher price. When we gave him more money, he didn’t give us the change and then pretended he didn’t understand when we asked for it.

Speed bumps

There seem to be speed bumps everywhere along the roads in Tunisia, especially when entering or exiting small towns. Most of them are painted yellow, but sometimes the paint has faded, and you notice there is an approaching speed bump all too late. Just keep that in mind and don’t go too fast when you’re not on the highways. They suddenly appear out of nowhere.

Poorly maintained roads

The highways are usually in good shape, but the smaller roads in Tunisia are often full of holes and cracks in the road. In combination with the speed bumps, driving in Tunisia can be a bit annoying. You need to be constantly vigilant. There are also a lot of large trucks that drive on small two-laned roads, so get your patience ready when you get stuck behind them.

Traffic stops

There seems to be an unusual amount of traffic stops around Tunisia. You will see police standing on the side of the road often, but particularly when crossing from one governate (like a state or province) into another.

Most of the time you just need to slow down and they’ll wave you through when they see you’re a foreigner. A couple of times we did actually get waved over to the side of the road and were asked to show our passports. Make sure to bring your passport on the road trip with you for ease during these stops.

One thing we noticed was that when I was driving (white woman with blue eyes and light hair), we were waved on through without needing to stop. When my French Canadian/Lebanese friend (dark features, looks more local) was driving, we were asked to pull over to show our identification.

Local Tunisian driving habits

Tunisians have their own set of driving rules that you should be aware of before beginning your journey. However just a warning, even if you’re aware, they will still probably drive you bonkers.

Tunisians don’t use blinkers

This is common in a lot of countries, but Tunisians are not big fans of indicating when they turn. This can come as a surprise when the car in front of you suddenly slows down and turns without warning. To adjust, I suggest keeping a safe distance from the car in front of you.

Tunis usually has pretty bad traffic during rush hour times (8am – 10am, and 4pm – 7pm). Traffic gets pretty backed up and you will come to a standstill on major routes. You should also be aware when driving in the bigger cities, that cars will often dash across multiple lanes to take their exit, always without using an indicator.

Tunisians drive between two lanes

This is one driving habit I will never understand. When driving behind a Tunisian, you will notice that they don’t choose the right or the left lane. They choose both, making it impossible to pass them. I honestly will never understand this, and it is crazy-making. But Tunisian drivers absolutely adore driving with the dotted lines directly under the center of their cars, sometimes for miles.

Tunisians walk in the street

As you drive around Tunisia, you’ll notice that there are pedestrians everywhere all along the roads. Even on busy highways, you will see people run across the street, or even just hanging out in the medians.

Sometimes an intercity road becomes the main street once you reach a smaller town. This happened several times; as we entered a new town, the road we were on was the main street of the city market. We had to inch along as we passed by fruit vendors and butchers selling their goods to the locals who were all casually walking in the street. There are also several small Tunisian street food restaurants along the main roads.

On our Tunisian road trip, we saw several butchers along the side of the street with cow heads and camel heads hanging up.

Should I get insurance to drive in Tunisia?

The short answer is yes, you should get insurance when you drive in Tunisia. The roads aren’t great, the drivers can be unpredictable, and you just never know what can happen. If you don’t get rental insurance because you don’t want to pay an extra $50, you may end up paying hundreds or even thousands more.

In order to get free car rental insurance, I suggest using your Chase Sapphire credit card, or any other credit card that has it included as a perk. If you use your credit card with car rental insurance, don’t forget to opt out of the rental company’s insurance. If you don’t have a credit card like that, I suggest opting in to the rental company’s insurance.

If you’re looking for general travel medical insurance in case anything happens to you personally, I recommend SafetyWing . It is one of the most affordable travel insurance companies available on the market.

What if something happens to my rental car in Tunisia?

If you rent a car in Tunisia, and something happens to that rental, you might be wondering what to do next. Well, don’t worry, because something did happen to our rental car, so I’ll walk you through what actions to take step by step.

All the information provided below is based on my experience with Chase Sapphire , RentalCars.com , and Budget in Tunisia. If you use a different company/insurance, your experience may differ slightly.

What happened to our rental car?

When we visited the Star Wars filming location of Mos Espa near Tozeur, my friend parked the car in the “parking lot.” This lot was a vaguely marked area with a few 3′ grey poles, most of them damaged or missing. When we got back in the car to leave, I was in the driver’s seat. Because I wasn’t the one who parked, I didn’t have full spatial awareness. I didn’t know, and couldn’t see, the small grey pole on the passenger’s side.

I didn’t see any other poles nearby, so I thought we were in a section that didn’t have them. I started to pull away slowly until I heard the sound of metal on metal. I got out to check the damage and then spent the next couple of days very stressed out. In the end, everything worked out, and my car rental insurance with Chase Sapphire covered everything.

Nicki is in the reflection of the black car, taking a picture of the damage caused by a small pole in the Mos Espa parking lot.

Document the damage

As soon as the accident happens, make sure to document everything. You will need at least 2 photographs when you submit your claim to the insurance company. Take a photo of the damage on the car, the thing you hit, the scenario in which it happened, the other car if there is one, etc.

Call the Police

Depending on the situation, you may need to call the police to get an accident report. Fortunately, in my case, I did not have to do this since it was just an already damaged pole, and there was no criminal activity, or bodily harm done.

Contact the insurance company

You should contact the insurance company if you have any questions or need to figure out any details. You can also just go straight to the claims portal and submit your claim at eclaimsline.com once you have your documents in order. Select “Start a claim.” You will log in and then upload all of the required documents (listed further down below).

Visa claims: 1-800-320-9961 Benefits/Insurance: 1-866-386-5888 Travel line: 1-866-331-0773

Report damages when you return the car

When you return the car, the attendant will look around the car for damage. At this point, you can show them the damage. In our case, the attendant noticed right away. Make sure to gather all the necessary documents from them. It may be a challenge. Budget did not give us all the necessary documents and I needed to follow up later.

Instead of filing a claim or taking the car in for an estimate, Budget just asked us to pay them directly for the damages. The cost was 1000 TND (appx. 350 USD). They wanted us to pay in cash, but we continued to demand to pay with a credit card because we wanted the digital proof. Eventually, they relented and allowed us to pay with a credit card. I took a photo of everything: the credit card receipt, the car rental agreement where they wrote “PAID,” etc.

Gather documents for insurance purposes

Gather as many of the required documents as possible, and upload them to the eclaimsline.com portal. Once you submit the documents, a representative will email you within 2-7 days. They will inform you if anything is missing and if you still need to submit more forms. If that’s the case, go back to the portal and click “Find existing claim.” Enter your zip code and claim number/credit card number. Then you can upload the new documents.

There is a drop-down menu showing all the documents you need to submit. Make sure to select the document you’re uploading and save. You need to upload each document one by one, instead of all of them in bulk.

Required documents to submit your claim

copy of the accident report from the rental company
copy of the rental agreement
copy of the vehicle repair estimate or the final repair bill
police report (only if necessary)
copy of the demand letter from the rental agency indicating what I’m liable for
A completed/signed Collision Damage Waiver (CDW) form (you will complete this online)
Credit card statement that shows the charge for the rental transaction
Credit card statement that shows the charge for the damage (in place of the estimate)
2 photos of the damage

RentalCars.com can help

Because Budget did not provide me with all of the necessary documents in the moment, the insurance company continued to reject the claim initially. I could not get ahold of Budget, so I contacted RentalCars.com who were super helpful.

I chatted to a representative using the chat message option. They contacted Budget on my behalf and managed to secure the missing documents for me. From there they sent me the missing documents and I was able to communicate with them directly via email ( [email protected] ) for further questions.

I wouldn’t have been able to get the documents without the assistance of the RentalCars.com customer service agent, so I was really appreciative of them. This experience is the reason I will continue to use RentalCars.com for all future international car rentals, and why I highly recommend them.

File a claim with your insurance company

After you gathered all the documents and uploaded them into the portal, an insurance representative will contact you if anything is missing. If everything is in order, you will receive your insurance reimbursement anywhere from 2 weeks to 2 months. I received mine after 4 weeks.

Renting a car in Tunisia FAQs

Renting a car in Tunisia is a wise choice that will lead to fun and exciting adventures and experiences. Below I’ll answer a few more questions you may have about car hire in Tunisia.

Do I need an international driver’s license?

In theory yes, in practice no. I have an international driver’s license (I got it from AAA in Colorado for $30), which is why I wanted to be the main driver for our Tunisian car rental. My two other friends only had a regular driver’s license from their countries (Brazil and Canada).

However, when we went to Budget to pick up the car, they only asked for my regular driver’s license and passport. The few times we were pulled to the side of the ride for traffic stops, we were only asked for our passports, and never our driver’s licenses.

Not one single time was I asked to show proof of an international driver’s permit.

Can Americans rent a car in Tunisia?

Yes, Americans can rent a car in Tunisia. However, as I mentioned before, the price went up when we selected “American” instead of “Brazilian” on the RentalCars.com website.

What side of the road do Tunisians drive on?

In Tunisia, you drive on the right side of the road, like in the US.

Is it safe to drive in Tunisia?

Yes, I believe it is safe to drive in Tunisia, but you should always stay super alert due to the traffic conditions I mentioned previously. Drivers tend to drive between two lanes, there are a ton of speed bumps, routine traffic stops, lack of indicators, and pedestrians crossing the road at all times.

Is it worth it to rent a car in Tunisia?

Yes, hiring a car in Tunisia is worth it. While I used louages a lot during my time in Tunisia to get between cities, renting a car gave us so much freedom to see a lot more than we would have been able to otherwise. That one-week road trip was my favorite week during my two months in Tunisia.

In what language are the road signs?

The two main languages in Tunisia are Arabic and French, therefore you will see most signage in these two languages. Coming from a Western country, it was obviously easy enough for us to follow the French signs using Roman characters.

Driving in Tunisia. There are many check points and speed bumps. Signs are in French and Arabic, sometimes English.

Final Thoughts on Renting a Car in Tunisia

If you are on the fence about renting a car in Tunisia, this is your sign to go for it. We absolutely loved having the freedom of our own transportation, making our own schedule, and doing whatever we felt like. We were able to see so much of the country in one week, and renting a car allowed us to do that. I am so grateful that I had the chance to travel all over Tunisia, and renting a car made that possible. The one-week road trip was my favorite experience in all of Tunisia.

The complete guide to hiring a car in Tunisia

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Nicki has been exploring the world for over 20 years. She has lived in ten countries around the world, traveled to dozens more. Nicki speaks several languages, and is curious about culture, art, and where in the world she really belongs. She wants to help you get out into the world and create your own adventures.

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Purchase Travel Insurance. Find Agent Call 877.721.3977. Terms, conditions, and exclusions apply. Benefits/Coverage may vary by state, and sublimits may apply. Refer to your plan for restrictions and full details. Insurance coverage is underwritten by BCS Insurance Company, rated A- (Excellent) by A.M. Best Co., under BCS Form No. 52.201 or 52. ...
What Does Rental Car Insurance Cover?
Rental car insurance can be really, really confusing. We recently read the story of one bewildered traveler who rented a car in Brussels and received an $810 bill for scratching a bumper. That's because the rental car agency pushed them into buying extra insurance (with a 600-euro deductible), which invalidated the insurance they already had!
The Chase Sapphire Rental Car Insurance Guide
Where coverage is limited. Chase Sapphire Preferred provides coverage up to the actual cash value of the vehicle but excludes certain expensive and exotic vehicles. Chase Sapphire Reserve provides rental car coverage up to $75,000 and does not exclude expensive/exotic vehicles. Both cards have additional limitations including:
Best Car Rental in Playa del Carmen 2024: Important Info + Tips
Rental car costs vary depending on the type of car, the rental company you choose, the pickup location, and the rental duration. Generally, economy cars start at around $25 USD/day, mid-size cars start at around $30 USD/day, and larger vehicles (SUVs) start at around $40 USD/day with car insurance included.
Complete Guide to Renting a Car in Tunisia (2024)
Going to Tunisia soon? Get Ready at a glance: Get travel medical insurance with SafeyWing. Book your stay with Booking.com. Check Flights with Skyscanner or Hopper. Rent a car with RentalCars.com. Download the Airalo app and get a Tunisian eSIM. Take a tour with GetYourGuide or Viator. Have a 1:1 consultation with me in advance!
Travel Insurance
Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason. Travel delays leave you stranded. Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.