Question

Does my State Farm car insurance cover rental cars?

Yes, State Farm car insurance has an option to cover rental cars. If your insurance premium includes comprehensive and collision coverage, the insurance will also apply to rental cars.

Even though State Farm’s comprehensive and collision coverage generally pays for rental cars, it’s always better to confirm with the updated information. Some premiums have policy limits that don’t include all coverage privileges. Checking your current State Farm car insurance is recommended, and if it does not have that option, you can add it by contacting the agents. 

What does your State Farm car insurance policy cover? 

Liability Coverage: Normally, most existing liability coverage extends to rental cars or vehicles for personal use. 

Comprehensive and Collision: The comprehensive and collision insurance premium extends to rental cars if the vehicle is involved in an accident or theft. It pays for most of your losses, but there will still be a deductible amount.

Rental Reimbursement: This coverage option provided by State Farm helps cover the daily expense of a rental car while your car is in the garage for a covered loss. Remember, there will be a daily limit for the extension, and it doesn’t necessarily cover the rental car itself. 

What should you think of before you rent? 

• Check whether the rental company already has insurance. 
• If yours is needed, check the State Farm Insurance policy to confirm it includes rental car coverage. 
• You can contact a State Farm agent to learn more about the coverage and restrictions. 
• Always make sure that you don’t need to pay extra, other than the deductible. 

Does my regular State Farm car insurance cover rental cars? 

Yes, most regular State Farm car insurance policies cover rental cars, depending on the policy you took for your personal car. If you have chosen a comprehensive and collision policy, then it usually pays for rental cars.