8 Best Rental Car Insurance Providers of 2026

This list is for travelers who want to buy rental car coverage on their own instead of paying for the collision damage waiver at the rental counter. We compared documented features and published prices on each provider's own pages and plan documents in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Prices are shown the way each provider publishes them: per calendar day, per rental, or as a starting rate that changes with your state, age and trip. Three of the eight providers only quote after you enter trip details, so we mark their prices as pending. None of these products replaces the liability insurance a driver needs, except where we say so, and most are sold only to US residents. Read the plan document for your state before you buy.

1. 01Top value

   

   Allianz OneTrip Rental Car Protector

   8.8/10

   Standalone primary rental car damage plan from Allianz Travel Insurance, sold by the calendar day.

   Price

   $13per calendar day

   $13 per calendar day for collision, loss and damage cover up to $75,000

   “For only $13 per calendar day you can be covered” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.6

   Ease of use (25%)

   9.0

   Best forUS residents renting a car who want primary damage cover without filing on their own auto policy.

   Allianz sells the OneTrip Rental Car Protector as a direct alternative to the counter waiver. It provides primary cover for collision, loss and damage up to $75,000, including theft and damage while the car is parked and unattended, so you do not have to go through your personal car insurer after an incident. The price is published on the product page at $13 per calendar day, which makes the total easy to work out before you book: a one-week rental costs $91. The plan also adds trip interruption cover up to $1,000 and baggage cover up to $1,000 per insured, plus access to a 24-hour assistance line. The quote form asks whether you are renting inside or outside the US. The limits are the main caveats. Plans are only sold to US residents, benefits and sublimits vary by state, and there is no liability cover, so you still need your own auto policy or the rental company's liability product for injury or damage to other people.

   • ✓Flat $13 per calendar day, published on the product page
   • ✓Primary cover keeps claims off your personal auto policy
   • ✓Adds trip interruption and baggage benefits to the car cover

   • ✕Plans are only available to US residents
   • ✕Does not include liability cover for injury or damage to others
   • ✕Benefits vary by state and baggage cover is not available in every state

   Price:

   $13 per calendar day

   Damage limit:

   $75,000

   Coverage type:

   Primary

   Eligibility:

   US residents

   Bottom line: Allianz is the easiest standalone pick for US residents: a published $13 day rate and $75,000 of primary cover. Pair it with your own auto liability cover.

   Visit allianztravelinsurance.com ↗

2. 02

   

   RentalCover.com

   8.7/10

   Online rental car insurance seller with zero deductible damage cover worldwide and supplemental liability in North America.

   Price

   $15per day, average

   Quote by trip; RentalCover says its cover costs $15 a day on average

   “RentalCover costs $15 a day on average, compared to $25 to $35 from rental companies.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.8

   Ease of use (25%)

   8.6

   Best forRenters who want a zero deductible, cover outside the US and the option to add liability.

   RentalCover sells two kinds of product depending on where you drive. In the US and Canada it offers a primary collision damage waiver up to $50,000 with a zero deductible, covering collision, theft, vandalism, natural disaster, loss of use and rental company charges, plus supplemental liability insurance up to $1,000,000 for damage and injury to others. In the rest of the world it sells Full Protection up to $100,000, which repays the excess the rental company charges and covers parts that basic waivers often exclude, such as tires, windscreens, mirrors, underbody and lost keys. All drivers named on the rental agreement are covered, and you can cancel any time before pick-up day. The company says it has more than 10 million customers. Prices are quoted for each trip; RentalCover's own figure is $15 a day on average, against $25 to $35 a day at rental desks. That average is not a guaranteed rate, so compare the quote for your dates.

   • ✓Zero deductible, so there is nothing to pay if you claim
   • ✓Works in the US, Canada and most other countries
   • ✓Optional liability cover for drivers without an auto policy

   • ✕Price is quoted per trip, and $15 a day is an average, not a fixed rate
   • ✕US collision limit of $50,000 is below Allianz's $75,000
   • ✕Outside North America it reimburses the rental company's excess rather than replacing the waiver

   Average price:

   $15 a day

   North America damage limit:

   $50,000

   Liability option:

   Up to $1,000,000

   Deductible:

   $0

   Bottom line: RentalCover is the most complete standalone option, with a zero deductible and liability cover in North America. It is the better pick than Allianz for trips outside the US.

   Visit rentalcover.com ↗

3. 03

   

   American Express Premium Car Rental Protection

   8.5/10

   Opt-in rental car insurance for American Express card members, charged once per rental instead of per day.

   Price

   $19.95per rental, up to 42 days

   Basic $19.95 per rental, Plus $24.95 per rental, lower in Florida and California

   “For a premium of $19.95 (for Florida Residents $18.95 and for California Residents $15.95) the Basic level provides, per rental” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   9.2

   Features (35%)

   8.0

   Ease of use (25%)

   8.0

   Best forAmex card members who take long rentals and want primary damage cover for one flat fee.

   Premium Car Rental Protection is an opt-in program for American Express card members. You enroll your card once, online or by phone, and every eligible rental you pay for with that card is then covered for a single premium per rental rather than a day rate. The plan document lists the Basic level at $19.95 per rental, or $18.95 for Florida residents and $15.95 for California residents, with up to $75,000 of primary damage and theft cover. The Plus level costs $24.95 and raises the damage limit to $100,000. Both levels add accidental death and dismemberment cover, secondary medical cover and secondary personal property cover. Cover lasts for the first 42 consecutive days of a rental, or 30 days for Washington State residents. That makes it very cheap for long rentals. The limits matter: it does not include liability cover, it excludes vehicles rented in Australia, Ireland, Israel, Italy, Jamaica and New Zealand, and it only works if you hold an Amex card and pay with it.

   • ✓One flat fee covers rentals of up to 42 days
   • ✓Primary cover up to $100,000 on the Plus level
   • ✓No form to fill in for each rental after enrollment

   • ✕Only for American Express card members paying with an enrolled card
   • ✕Excludes rentals in Australia, Ireland, Israel, Italy, Jamaica and New Zealand
   • ✕No liability cover

   Basic premium:

   $19.95 per rental

   Plus premium:

   $24.95 per rental

   Maximum rental length:

   42 consecutive days

   Damage limit:

   $75,000 or $100,000

   Bottom line: For Amex card members, a flat $19.95 for up to 42 days is the lowest total cost on longer rentals. Everyone else needs a standalone policy.

   Visit americanexpress.com ↗

4. 04

   

   Bonzah

   8.3/10

   US rental car and car share insurance that sells collision, loss damage and liability cover online.

   Price

   $20per day

   Quote by state and dates; plans start at about $20 per day

   “Starting at about $20 per day, Bonzah's plans cover collision damage to your rental (with a $1,000 deductible)” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   7.8

   Features (35%)

   8.7

   Ease of use (25%)

   8.4

   Best forUS renters, including people who do not own a car, who want damage and liability cover in one purchase.

   Bonzah is built around US rentals and sells the pieces of cover that rental desks push separately. Its collision damage cover is primary and pays up to $35,000 or $50,000 per accident, less a $1,000 or $2,500 deductible, and its loss damage option raises the limit to $100,000. Unlike most standalone policies, Bonzah also sells renter's contingent liability at your state's minimum limits and supplemental liability up to $500,000, which matters if you do not own a car and have no auto policy. It covers car share vehicles as well as rental cars, and policies are sold in 24-hour blocks. You can cancel within 10 days for a full refund if no claim has been filed and the trip has not started. Bonzah says plans start at about $20 per day, and you get an exact price after entering the pickup state and dates. The restrictions are specific: no rentals that start in New York, Michigan or Pennsylvania, no driving through New York or Michigan, and no collision cover in Canada.

   • ✓Sells liability cover, so it works for people without an auto policy
   • ✓Higher damage limits available with loss damage cover
   • ✓Free cancellation window of 10 days

   • ✕Collision cover carries a $1,000 or $2,500 deductible
   • ✕Not sold for rentals starting in New York, Michigan or Pennsylvania
   • ✕Collision cover does not apply in Canada

   Starting price:

   About $20 per day

   Collision limit:

   $35,000 or $50,000

   Deductible:

   $1,000 or $2,500

   Supplemental liability:

   Up to $500,000

   Bottom line: Bonzah is the best fit for US renters who need liability as well as damage cover. Watch the deductible and the excluded states.

   Visit bonzah.com ↗

5. 05

   

   Faye Rental Car Coverage

   8.1/10

   Rental car damage add-on for the Faye Travel Protection Plan, bought for the days you choose.

   Price

   $7.58per day, add-on

   Add-on from $7.58 a day, $6.95 a day for California residents; requires a Faye travel plan

   “Starting at $7.58 a day (prices may vary by state)” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   7.6

   Ease of use (25%)

   8.2

   Best forTravelers buying a Faye travel plan who want the lowest daily rate for rental car damage.

   Faye is an app-based travel insurer, and its rental car cover is an add-on to the Faye Travel Protection Plan rather than a policy you can buy alone. Within that limit it is the cheapest daily rate we found: the product page lists rates starting at $7.58 a day, and Faye's blog gives $6.95 a day for California residents. The add-on covers accidental damage to the rental car up to $50,000, including collision, vandalism, natural disasters and theft, plus administrative fees the rental agency charges. You choose which days of the trip need cover and can buy it for every vehicle you rent, which helps if you only drive for part of a longer trip. Assistance is available 24/7 and claims run through the Faye app. The catch is the bundle. If you do not want trip insurance, you pay for a travel plan you may not need, which can cost more than a standalone policy. The add-on is also not available in every state.

   • ✓Lowest published daily rate on this list
   • ✓Pick only the days you drive
   • ✓Claims filed and tracked in the app

   • ✕Only sold as an add-on to a Faye Travel Protection Plan
   • ✕Limit of $50,000 is below Allianz and Amex Plus
   • ✕Not available in all states

   Starting price:

   $7.58 a day

   California price:

   From $6.95 a day

   Damage limit:

   $50,000

   Sold as:

   Add-on to a Faye travel plan

   Bottom line: Faye has the lowest day rate for rental car damage if you are already buying travel insurance. On its own it is not a standalone option.

   Visit withfaye.com ↗

6. 06

   

   Travel Guard Rental Vehicle Damage Coverage

   7.6/10

   Primary rental vehicle damage plan from Travel Guard, sold separately from its trip insurance plans.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.4

   Features (35%)

   7.8

   Ease of use (25%)

   7.8

   Best forRoad trippers and short-term renters who want a primary damage plan from a large travel insurer.

   Travel Guard, a US travel insurance company, lists Rental Vehicle Damage Coverage on its plans page as an alternative to the insurance offered by rental car companies. It is primary collision cover with a choice of $35,000 or $50,000 limits, plus 24/7 emergency assistance, and Travel Guard pitches it for road trips and short-term vehicle rentals. Because it is a separate plan, you can buy it without a full trip insurance policy, which puts it in the same group as Allianz and Bonzah. The weakness for a price-focused comparison is that Travel Guard does not publish a rate; you have to request a quote with your trip details, so we could not confirm a USD price. Coverage is only available to residents of US states and the District of Columbia, and the $50,000 top limit is lower than what Allianz and the Amex Plus level offer. If you already use Travel Guard for trip insurance, it is worth pricing against Allianz for the same dates.

   • ✓Primary cover from a large travel insurance brand
   • ✓Two limit choices
   • ✓Can be bought without a full trip insurance plan

   • ✕No published price; you must request a quote
   • ✕Top limit of $50,000 is below Allianz and Amex Plus
   • ✕Only for residents of US states and the District of Columbia

   Damage limit:

   $35,000 or $50,000

   Coverage type:

   Primary

   Assistance:

   24/7

   Eligibility:

   US residents

   Bottom line: Travel Guard's plan is a credible primary alternative to the counter waiver. Get a quote and compare it with Allianz's published $13 day rate.

   Visit travelguard.com ↗

7. 07

   

   Travelex Insurance Services

   7.5/10

   Travel insurance plans with an optional rental car damage upgrade up to $50,000.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.2

   Features (35%)

   7.8

   Ease of use (25%)

   7.4

   Best forTravelers buying comprehensive trip insurance who want rental car damage added to the same policy.

   Travelex does not sell rental car insurance on its own. Instead, its Travel Select plan has nine optional upgrades, one of which is rental car damage, and the Ultimate plan gives access to all nine. The upgrade pays up to $50,000 with a $100 deductible for collision, vandalism, windstorm, theft, hail, fire or flood damage to the rental car, which is a broader list of causes and a lower deductible than Bonzah's. The base Travel Select plan adds trip cancellation up to 100% of trip cost, trip interruption up to 150%, emergency medical cover up to $250,000 and baggage cover. Travelex does not publish a price for the upgrade; the cost depends on where you live, your age and your trip cost, so we could not verify a USD figure. The upgrade is also not available in some destinations, including Costa Rica, Ireland, Jamaica and Mexico. It makes sense if you were going to buy comprehensive trip insurance anyway, but it is not a cheap way to replace the counter waiver on its own.

   • ✓Low $100 deductible
   • ✓Combines trip cancellation, medical and car cover in one policy
   • ✓Wide list of covered damage causes

   • ✕Only sold as an upgrade to a Travelex plan
   • ✕Price depends on age, residence and trip cost, with no published rate
   • ✕Not available in Costa Rica, Ireland, Jamaica or Mexico

   Damage limit:

   $50,000

   Deductible:

   $100

   Sold as:

   Upgrade to a Travelex plan

   Excluded destinations:

   Costa Rica, Ireland, Jamaica, Mexico

   Bottom line: Travelex suits travelers who want one policy for the trip and the car, with a $100 deductible. For car cover alone, a standalone plan is simpler.

   Visit travelexinsurance.com ↗

8. 08

   

   World Nomads

   7.3/10

   Travel insurance for US residents with rental car damage included on its Explorer, Epic and Annual plans.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.0

   Features (35%)

   7.4

   Ease of use (25%)

   7.6

   Best forAdventurous travelers who want rental car damage included in a travel plan rather than bought separately.

   World Nomads sells travel insurance to US residents and includes rental car damage on three of its four plans rather than selling it as a separate product. The Explorer plan covers rental car damage up to $35,000, the Epic plan up to $50,000 and the Annual plan up to $35,000 per trip, while the Standard plan does not cover it at all. The Annual plan cover is not available to residents of Missouri, Montana, New York or Washington. Because the car cover comes inside a full travel policy, you also get trip protection, emergency medical cover and baggage cover, which is useful for longer or more active international trips. The trade-off is cost and clarity: World Nomads does not publish a price, you get a quote after entering your country of residence and trip details, and you pay for the whole travel plan even if you only want car cover. For a single US rental, a standalone plan such as Allianz or RentalCover is cheaper and easier to compare.

   • ✓Car damage is built into the plan, with no separate add-on
   • ✓Annual plan covers rentals on every trip in the year
   • ✓Includes trip and medical cover

   • ✕Standard plan does not cover rental car damage
   • ✕Annual plan cover is not available to residents of Missouri, Montana, New York or Washington
   • ✕No published price; quote required

   Explorer limit:

   $35,000

   Epic limit:

   $50,000

   Annual plan limit:

   $35,000 per trip

   Standard plan:

   Not covered

   Bottom line: World Nomads makes sense if you want trip and medical cover anyway and rent cars along the way. It is not the cheapest route to rental car cover alone.

   Visit worldnomads.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.