Best Auto Insurance With Rental Reimbursement Coverage in 2025 (Top 10 Companies)
AAA, Amica, and Farmers offer the best rental reimbursement coverage, starting at $87 a month. These top-ranked providers lead with high daily reimbursement limits of up to $35 per day, generous total payouts, and efficient claims handling which makes them ideal for drivers who need reliable rental coverage.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: May 2, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 2, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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3,072 reviewsThe best auto insurance with rental reimbursement coverage are AAA, Amica, and Farmers, with starting rate at $87 a month.
Top 10 Companies: Best Car Insurance With Rental Reimbursement Coverage| Company | Rank | Daily Max | Total Payout | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $35 | $1,050 | Trusted Brand | AAA |
 | #2 | $30 | $1,050 | Reliable Service | Amica |
 | #3 | $30 | $900 | Flexible Coverage | Farmers |
 | #4 | $25 | $900 | Customer Focused | American Family |
 | #5 | $25 | $900 | Low Premiums | Geico |
 | #6 | $15 | $900 | Rental Guarantee | Liberty Mutual |
 | #7 | $25 | $750 | Affordable Rates | Erie |
 | #8 | $25 | $750 | Broad Protection | Allstate |
 | #9 | $20 | $600 | Comprehensive Options | State Farm |
 | #10 | $15 | $450 | Member Benefits | Progressive |
AAA, recognized as a trusted brand, offers the highest daily rental reimbursement limit at $35 per day and up to $1,050 total, making it one of the most generous policies available. Read more about our “Best Full Coverage Car Insurance” for more details.
Amica ranks high for reliable service thanks to its $30 per day rental reimbursement and a total limit of $1,050. Farmers stands out for flexible coverage, giving policyholders control over their rental reimbursement terms with customizable daily and total limits.
- Compare the best auto insurance with rental reimbursement coverage at $87/mo
- Get high daily limits and fast claims support for rental cars during covered repairs
- AAA, Amica, and Farmers lead with generous rental coverage and flexible plans
Find out why these providers stand out for their competitive pricing and dependable rental reimbursement options. Enter your ZIP code to explore which companies have the cheapest auto insurance rates.
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#1 – AAA: Top Overall Pick
Pros
- Highest Daily Limit Available: AAA insurance review offers up to $35 per day, allowing you to rent a mid-size or standard vehicle.
- Long-Term Rental Support: With a total payout cap of $1,050, AAA covers rentals for up to 30 days—ideal for extended repairs.
- Roadside + Rental Combo: Many AAA plans bundle rental reimbursement with roadside assistance, making it easier to stay mobile after breakdowns.
Cons
- Coverage May Vary by Club: Not all AAA regional clubs offer the same rental reimbursement terms or vehicle class limits.
- Higher Cost for Comprehensive Coverage: Monthly premiums with add-ons like rental reimbursement can rise above $160/month in some regions.
#2 – Amica: Best for Reliable Service
Pros
- Strong Reimbursement Duration: Amica’s $1,050 total cap supports rentals for up to 35 days at $30/day—ideal for long repair timelines.
- Consistent Claims Satisfaction: Amica is known for efficient claim payouts, ensuring timely rental coverage without red tape.
- Optional Rental Upgrade Add-On: Offers an option to increase daily limits or vehicle class if a standard car doesn’t meet your needs.
Cons
- Coverage Limited by State: Rental reimbursement may not be offered in all areas, especially outside Amica’s core markets. Browse our guide titled “Amica Homeowners Insurance Review.“
- Premiums Increase for Broader Coverage: Full coverage with higher reimbursement caps can raise monthly premiums significantly.
#3 – Farmers: Best for Flexible Coverage
Pros
- Balanced Coverage Limits: Farmers provides $30/day up to $900 total, enough to cover most 10–15 day rental periods after major repairs.
- Customizable Reimbursement Options: Farmers insurance review offers flexible add-ons to adjust rental duration or increase daily payout as needed.
- Strong Network of Approved Shops: Farmers often coordinates directly with repair shops and rental agencies, streamlining the reimbursement process.
Cons
- Limited Rental Vehicle Options: In some states, Farmers restricts rental class to compact vehicles unless higher limits are selected.
- Premium Bump for Full Coverage: Adding both rental reimbursement and other endorsements can quickly elevate monthly premiums.
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#4 – American Family: Best for Customer Focused
Pros
- Reliable Mid-Tier Reimbursement: Offers $25/day for up to 36 days, sufficient for typical repair times after a covered loss.
- Policy Bundling Reduces Cost: Drivers who bundle with home or life insurance often qualify for lower premiums and broader rental coverage.
- Claims Support Focused on Communication: Customers report consistent updates and minimal delays during reimbursement processing.
Cons
- Not Ideal for High-End Rentals: $25/day may fall short for larger or luxury rentals, requiring drivers to pay the difference.
- Limited Coverage Options in Some Areas: Availability and coverage options may vary depending on location. (Learn More: What types of car insurance coverage does American Family Insurance offer?).
#5 – Geico: Best for Low Premiums
Pros
- Affordable Entry-Level Coverage: Geico offers rental reimbursement as an optional add-on for drivers with policies starting around $73/month.
- Fast Digital Claims Processing: Users can file rental reimbursement claims via the app or website for quicker turnaround.
- Sufficient for Short-Term Needs: $25/day for up to 36 days works well for most accident-related rentals. Read our article titled “Geico Auto Insurance Review” for more details.
Cons
- No Automatic Rental Upgrade Option: Standard rental coverage won’t cover SUVs or specialty vehicles unless manually increased.
- Minimal Discount Opportunities on Add-Ons: Geico keeps base premiums low but offers fewer bundled discounts for renters.
#6 – Liberty Mutual: Best for Rental Guarantee
Pros
- Guaranteed Rental Access Program: Liberty Mutual’s rental coverage guarantees a rental vehicle if your car is in the shop for a covered claim.
- Flexible Term Options: Choose between different rental reimbursement tiers to control daily limits and coverage length.
- Easy Billing Options: Monthly installment plans make it easier to afford additional protections like rental reimbursement. Check “Liberty Mutual Auto Insurance Review” for more details.
Cons
- Low Daily Limit: $15/day may only cover an economy rental, leaving drivers to pay out-of-pocket for anything larger.
- Not Available in All States: Rental reimbursement coverage is not standard and must be requested in eligible areas.
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#7 – Erie: Best for Affordable Rates
Pros
- Low-Cost Rental Protection: Erie offers rental reimbursement at a lower premium compared to national competitors, making it great for budget-conscious drivers.
- Quick Claims Turnaround: Known for responsive claims service, which speeds up reimbursement for rental costs (Read More: Does Erie Insurance offer personal injury protection (PIP) coverage?).
- Coverage Fits Standard Repair Timelines: $25/day for up to 30 days is sufficient for moderate repair needs.
Cons
- Lower Total Limit: The $750 cap provides less coverage for longer-term rentals.
- Restricted Availability: Erie operates in fewer states, limiting access to its rental reimbursement coverage.
#8 – Allstate: Best for Broad Protection
Pros
- Access to Allstate Direct Repair Shops: Rental car arrangements are often handled directly through repair centers, minimizing hassle.
- Reimbursement Add-On Customization: Drivers can choose their daily limit and rental duration within policy limits.
- Strong Claims Network: Known for extensive repair shop access and rapid rental coordination.
Cons
- Standard Daily Limit May Not Suffice: $25/day might not fully cover mid-size or full-size rentals.
- Complex Plan Options: Policyholders may find it difficult to navigate add-on selections during enrollment. See more in our “How do I renew my car insurance policy with Allstate?“
#9 – State Farm: Best for Comprehensive Options
Pros
- Affordable Basic Coverage: $20/day for 30 days is suitable for compact car rentals after minor accidents. For more details, see the “State Farm Insurance Review.“
- Consistent Customer Service: State Farm agents are known for helping with immediate rental arrangements.
- Policy Add-On Simplicity: Easy to add rental reimbursement through a local agent or online portal.
Cons
- Lower Coverage Cap: $600 total payout and $20/day may not cover longer repairs or higher-end rentals.
- Few Discounts Tied to Rental Coverage: Little financial incentive to bundle rental reimbursement with other policies.
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#10 – Progressive: Best for Member Benefits
Pros
- Entry-Level Rental Coverage: $15/day helps cover basic rentals for up to 30 days.
- Bundling Can Lower Costs: Combine with other policies to offset the lower reimbursement cap.
- Claims Tracking Tools: Digital claims dashboard helps users manage rental and repair status.
Cons
- Lowest Reimbursement Limit: $450 total payout won’t cover extended rentals or pricier cars. For more information, see “Can I bundle my Progressive car insurance with other policies?“
- Inconsistent Claims Feedback: Some drivers report delays in rental reimbursements or unclear claim requirements.
Compare Rates: Car Insurance With Rental Reimbursement Coverage
When considering car insurance with rental reimbursement coverage, it’s crucial to assess how it aligns with your budget and transportation needs. Policies like auto rental reimbursement coverage ensure you’re not left without a vehicle during repairs. Rates for this add-on start as low as $87/month, depending on the insurer and coverage tier.
Car Insurance Monthly Rates With Rental Reimbursement Coverage| Insurance Company | Monthly Rates |
|---|---|
| $92 |
| $88 |
| $95 |
| $98 |
| $94 |
| $90 |
| $91 |
| $89 |
| $93 |
| $87 |
Some of the most affordable providers include State Farm at $87 per month, Allstate at $88, and Liberty Mutual at $89, making them strong choices for budget-conscious drivers who still want basic rental protection.
At the higher end, Amica charges $98 per month and American Family comes in at $95. These companies are known for offering more comprehensive coverage and dependable customer service.
If you’re looking for coverage that balances cost, service, and rental benefits, AAA, Amica, and Farmers stand out. They combine generous daily reimbursement limits, streamlined claims handling, and monthly rates under $100—making them ideal for drivers who want peace of mind and reliable access to a rental car during repairs.
Read More: How to Find the Right Type of Home Insurance
Top Insurance Providers for Rental Reimbursement Coverage and Discounts
Rental car reimbursement coverage helps cover the cost of a rental car if your car is unavailable after an accident. Many insurance providers offer discounts to make this coverage more affordable. AAA, Allstate, and Erie give multi-policy and anti-theft discounts, while Farmers and State Farm focus on safe driving and good student benefits. These options help you save without losing protection.
Car Insurance Discounts From the Top Providers for Rental Reimbursement Coverage| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Good Driver, New Vehicle, Anti-Theft |
| Multi-Policy, Safe Driving Bonus, Anti-Theft, New Car |
| Multi-Policy, Loyalty, Good Student, Defensive Driving |
 | Multi-Policy, Loyalty, AutoPay, Good Driver |
| Multi-Policy, Safe Driver, Paid-in-Full, Anti-Theft |
| Multi-Policy, Good Student, Safe Driver, Defensive Driving |
 | Multi-Policy, Good Driver, Defensive Driving, Military |
| Multi-Policy, Early Shopper, Vehicle Safety, Claims-Free |
 | Multi-Policy, Snapshot Program, AutoPay, Good Driver |
 | Multi-Policy, Good Student, Safe Driver, Defensive Driving |
Other providers, like Progressive, Liberty Mutual, and Amica, offer extra ways to cut costs. Progressive’s Snapshot rewards safe driving, Liberty Mutual has an early shopper and claims-free discounts, and Amica offers loyalty and AutoPay savings. These programs make rental reimbursement coverage budget-friendly.
Choosing the right insurer depends on your needs and which discounts you qualify for. Farmers and State Farm work well for students, while Progressive and Liberty Mutual suit safety-conscious or tech-savvy drivers. Comparing discounts and pairing them with rental car assistance ensures you save money while staying protected. For more insights, read our article “Insurance Law.”
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Rental Reimbursement Coverage Importance
Rental car insurance providers offer rental car reimbursement coverage, which is extremely convenient when your car is being repaired. It ensures you do not have to stop or interrupt your daily routine if you need a temporary replacement. This coverage is very important in case alternative transportation options are not available.
You may depend on public transportation or a high-priced ride-sharing service without rental reimbursement insurance. Out-of-pocket payments for renting a vehicle can amount to a substantial cost, especially if they take too long to repair. This sort of coverage removes such costs so that you have a financially viable option when your car breaks down.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
Rental car reimbursement lets you choose a vehicle that best fits your needs. You can choose a family-sized SUV or an eco-friendly hybrid. This will ensure that your temporary transportation is aligned with your lifestyle. This feature in your car insurance policy gives you peace of mind and financial protection while your primary vehicle is out of commission. For more details, read our article “Full Coverage Auto Insurance.”
Factors to Consider When Choosing Car Insurance for Rental Reimbursement
When choosing the best car insurance for rental reimbursement coverage, focus on policy limits, deductibles, and additional benefits. Policy limits how much your insurer will pay per day or incident for rental expenses. Higher limits are ideal for frequent renters, especially in areas with high rental costs. Find more details in “How to File a Car Insurance Claim With Response Insurance Company.”
Deductibles should be evaluated because they impact both your premiums and out-of-pocket expenses. A higher deductible will decrease your premiums but could increase costs when filing a claim. Consider your budget and coverage preferences to find the right balance. Also, consider the length of coverage offered; some policies minimize coverage to a specific number of days, while others are more flexible to fit your needs.
Look for policies that offer extras, like roadside assistance or coverage for personal belongings in rental cars. Check if the policy covers rentals for personal and business use, as some exclude the latter. Compare providers” financial ratings, customer reviews, and claims processes to ensure reliability. Consulting an insurance agent will help you identify the best policy tailored to your needs.
Detailed Reviews of Rental Car Reimbursement Providers
In addition to the top car insurance providers mentioned above,it’ss essential to evaluate their rental reimbursement coverage based on coverage details, customer service, and the claims process.
Coverage Details
Rental reimbursement coverage pays for the cost of a rental car if your vehicle is being repaired due to a covered event, like an accident. It ensures that you have a car to use while your own is in the shop. Coverage includes daily and total limits, which vary by policy. Some policies offer up to $87 monthly, with a maximum number of days covered.
When choosing rental reimbursement coverage, check the types of vehicles eligible for rental. Some policies only cover standard cars, while others include SUVs, trucks, or luxury vehicles. Review your policy details to avoid surprises if you need a rental car. Some insurance companies also provide upgrades for more rental options.
Rental reimbursement coverage may also have a waiting period, meaning you may have to wait a few days before rental costs are covered. It is also an optional add-on to a standard auto insurance policy that increases your premium but gives you peace of mind when repairs are needed. Read more of our article titled ‘Insurance Company Reviews.”
Customer Service
Good customer service is very important when dealing with car insurance claims. Look for companies known for quick and helpful support. You can read reviews or ask your friends and family for details about their experiences with different insurance providers.
Have you heard of Drivewise? It’s located in our Allstate app. We recently found out that customers who choose to use Drivewise are 25% less likely to have a severe collision than those who don’t. https://t.co/HNMxg3hVAZ
— Allstate (@Allstate) May 13, 2024
The quality of customer service can influence your experience with an insurance company. If you have questions or need help, it’s important to talk to knowledgeable and friendly representatives who can effectively assist you and make the whole process easier and less stressful. It’s also good to check how fast the company responds to inquiries and whether it offers 24/7 support.
Moreover, you can read reviews or hear from past customers to see how well they handle claims. Knowing if they resolve claims quickly and fairly can help you decide if the company is trustworthy and reliable. For more information, see our article “Best Auto Insurance Companies That Will Start Policies.”
Claim Process
When choosing rental reimbursement coverage, it’s important to consider how each company handles claims. See how easy it is to file a claim and what other customers say about their experiences. A simple and fast claims process means you’ll get your rental car quickly when needed.
Kristine Lee Licensed Insurance Agent
Get an insurance company that deals or offers easy online claim filing and apps to track your claim and contact adjusters. These apps make the process faster and more convenient. Additionally, check the type of documents, receipts, or forms required to file your claim so it can be smooth.
Lastly, check how reliable the company is at handling claims quickly. Delays can make it harder to return to your routine while waiting for a rental car. Reading reviews and ratings can help you see if the company is dependable. Looking into this will help you pick coverage that gives you peace of mind after an accident.
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Case Studies: Real-World Experiences with the Best Auto Insurance with Rental Reimbursement Coverage
Rental car reimbursement coverage can be a lifesaver when needed, whether due to an accident, breakdown, or storm damage. Here are three case studies showing how different auto insurance providers helped their customers stay on the road.
- Case Study #1—AAA’s Rental Reimbursement Coverage for a Family Road Trip: Emily’s family had a breakdown during a road trip, and AAA’s rental reimbursement coverage ($92/month) quickly provided a rental car. While the total premium rose to $170/month, AAA’s fast service kept their trip on track.
- Case Study #2—Allstate’s Rental Reimbursement Coverage for a Collision: After a car accident, James used Allstate’s rental reimbursement coverage, which costs $88/month, to rent a car. The process was quick and hassle-free.
- Case Study #3—Geico’s Rental Reimbursement Coverage During a Storm: Laura’s car was damaged in a storm, and Geico’s rental reimbursement ($91/month) covered the cost while her car was repaired. The claims process was easy and stress-free. See more in our guide titled “Does Geico offer rental reimbursement coverage?“
These real-world cases highlight how rental reimbursement coverage can provide essential support during unexpected events, ensuring peace of mind when you need it most.
Ty Stewart Licensed Insurance Agent
You can find affordable auto insurance with rental reimbursement coverage, no matter your driving record, by entering your ZIP code in our free quote comparison tool.
Frequently Asked Questions
What is rental reimbursement coverage in auto insurance?
Rental reimbursement coverage helps cover the cost of a rental car if your vehicle is being repaired after a covered incident, such as an accident or breakdown. Check our guide, “What You Should Know About Auto Insurance.”
How much does rental reimbursement coverage typically cost?
The cost of rental reimbursement coverage can vary depending on your insurance provider. For example, it can range from $73 per month with Geico to $90 per month with Allstate. Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.
Why should I consider rental reimbursement coverage?
If your car is in the shop for repairs, rental reimbursement coverage ensures you have transportation, preventing disruption to your daily routine.
Does rental reimbursement coverage increase my premium?
Yes, adding rental reimbursement coverage to your auto policy will likely raise your premium. However, the increase is often minimal compared to the convenience it offers. For more details, read “Is full coverage really full?”
Does rental reimbursement coverage apply in all situations?
Typically, rental reimbursement coverage applies when your car is being repaired due to a covered event like a collision, vandalism, or weather damage. It does not cover rental costs for a breakdown unless specified.
How long will rental reimbursement cover a rental car?
Coverage duration depends on the specifics of your policy, but most insurers provide rental reimbursement for a set number of days, usually up to 30 days.
What is the maximum rental car reimbursement I can get?
The amount reimbursed for a rental car can vary by provider. For example, AAA and Allstate offer reimbursement for rental vehicles up to a specified daily rate, which is included in the policy details. Learn more in our article intitled, “How do I know if I chose the right coverages?“.
Are there any restrictions on the type of rental car I can get?
Yes, rental reimbursement coverage often limits the types of cars you can rent, such as requiring the vehicle to be a similar make and model to your own car.
Can I add rental reimbursement coverage to my policy anytime?
Yes, most insurance providers allow you to add rental reimbursement coverage at any time, although it may not be applied to a current claim unless added before the incident occurs. Dive to our article “Do I need multiple policies to get enough coverage?” for more.
How do I file a claim for rental reimbursement coverage?
To file a claim, contact your insurance provider after the covered incident and provide details of the repair shop and rental vehicle. The insurer will guide you through the process to get reimbursed for the rental car. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Enter your ZIP code below to compare cheap insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
