Do I Want It? (2023)

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The vast majority of drivers don’t want to select up a particular Progressive rental automobile insurance coverage coverage, however there are particular exceptions. The non-public insurance coverage plan you’ve gotten by Progressive will probably cowl your rental automobile when you’re driving it, defending you from monetary penalties within the occasion of an accident.

These with out a private insurance coverage coverage will in all probability want to purchase Progressive rental automobile insurance coverage to legally get a automobile. We’ve ranked the perfect auto insurance coverage firms within the trade to find out which of them will fit your wants when getting a rental automobile.

Do I Want Rental Automotive Insurance coverage?

Typically talking, these with Progressive insurance coverage are lined for his or her private autos and for any rental automobiles they use. Many bank card firms additionally cowl rental automobiles which can be bought utilizing their playing cards, although precise particulars depend upon the supplier.

There are various occasions when you should still want Progressive rental automobile insurance coverage, although. We’ll run by a number of beneath that apply to these with private protection and people with out.

You Don’t Have Private Automotive Insurance coverage

This one’s fairly apparent. Should you lack auto insurance coverage since you don’t personal a automobile, you’ll completely must get Progressive rental automobile insurance coverage or a coverage from one other supplier. In any other case, it’s unlawful to drive a rental automobile and also you probably gained’t be capable to take possession of it.

You Have a Excessive-Deductible Private Coverage

In case your current auto coverage has a excessive deductible for claims, it could be sensible to get Progressive rental automobile insurance coverage. That’s as a result of most rental automobile protection plans have low or no deductibles, making it way more reasonably priced after an at-fault accident.

You Have an Extraordinarily Restricted Coverage

Some drivers could choose to have extra protection on a rental automobile versus on their private automobile. In spite of everything, it’s typically simpler to finish up in an accident whenever you’re driving a unique mannequin in an unfamiliar area. If this example worries you or in case you have a foul driving file, think about Progressive rental automobile insurance coverage.

Many motorists have already got extras on their private auto insurance coverage coverage reminiscent of complete protection, private damage safety and hole insurance coverage. If in case you have loads of protection and excessive coverage limits, it’s in all probability not value getting extra safety.

You’re Touring Internationally

Worldwide journey is a wholly completely different story from home by way of rental automobile insurance coverage. Whereas most automobile insurance policies cowl autos whereas they’re within the U.S. or Canada, that’s not true of different nations. You’ll completely want to select up rental automobile insurance coverage when going elsewhere.

Whereas Progressive rental automobile insurance coverage isn’t out there in Mexico, the corporate works with an insurance coverage dealer often known as Mexpro to be sure that prospects get ample protection. It’s important that you’ve automobile insurance coverage particularly for Mexico, as these with out home protection typically face steep fines and even jail time.

Progressive rental automobile insurance coverage isn’t out there in any respect in different nations. Make certain to lookup overseas auto insurers in case you’re renting a automobile in a rustic apart from Canada or Mexico.

Kinds of Rental Automotive Insurance coverage

The kinds of Progressive rental automobile insurance coverage are considerably much like these for private protection, however you’ll discover some variations. We’ll undergo a number of kinds of low cost automobile insurance coverage protection which can be out there on most leases.

Word that rental automobile reimbursement protection refers to a coverage add-on the place Progressive gives a short lived alternative automobile to these whose automobiles undergo a mechanical breakdown. In different phrases, it’s completely unrelated to Progressive rental automobile insurance coverage.

Legal responsibility Insurance coverage

Merely put, legal responsibility insurance coverage for a rental automobile takes care of damages to different individuals, autos or property whenever you trigger an accident. Rental automobile legal responsibility insurance coverage doesn’t cowl the rented automobile itself or the passengers using in it. Whereas it’s required that every one autos have legal responsibility protection on them, you’ll discover that not all rental companies robotically embrace it.

Even when your auto insurance coverage supplier or bank card firm contains legal responsibility protection, you could need to buy supplemental legal responsibility insurance coverage for a rental automobile. Whereas this isn’t obligatory, it may provide peace of thoughts to sure drivers who’d choose full protection auto insurance coverage.

Private Results Protection

This protection sort pertains to objects reminiscent of baggage or different valuables which can be stolen from a rental automobile. Learn the superb print about what’s protected by private results protection, as suppliers could exclude sure dear possessions from their plans. Whereas any such rental automobile insurance coverage isn’t obligatory, it is perhaps useful in case you’re going to a metropolis with a excessive variety of automobile break-ins.

Private Accident Insurance coverage

Private accident insurance coverage takes care of you and your rental automobile’s passengers after an accident. It’s frequent follow amongst U.S. rental automobile firms to bundle private results protection with private accident insurance coverage. You’ll obtain medical funds together with demise and ambulance advantages in case you decide up any such safety.

Loss/Collision Harm Waiver

A collision or loss injury waiver protects you from changing a rental automobile if it will get broken by vandalism or is stolen. Automotive insurance coverage suppliers could select to go away out some points of this coverage, although, reminiscent of injury to the windshield or tires. You could must pay a deductible even in case you add a collision injury waiver to your Progressive rental automobile insurance coverage coverage.

Word that the collision injury waiver works equally to how collision protection and complete protection are on private autos. This optionally available protection sort takes care of property injury to your rental automobile somewhat than paying off medical payments after a lined accident.

Our Suggestions for Auto Insurance coverage

It’s value trying out GEICO and State Farm when you think about a Progressive rental automobile insurance coverage coverage. Every of those suppliers has a comparable rental automobile protection plan, however you could possibly discover the best choice by evaluating a number of auto insurance coverage quotes.

GEICO: Finest Reductions

Those that select GEICO for rental automobile protection will obtain companies from an organization with a powerful repute and glorious monetary well being. The supplier is thought for its array of reductions, which might save motorists cash in the event that they select GEICO for his or her private auto insurance coverage. Contemplate bundling owners or renters insurance coverage with different protection sorts from GEICO and also you’ll probably discover cheaper charges.

State Farm: Finest Total

State Farm is thought for its glorious customer support and for the convenience with which policyholders can get in contact with native insurance coverage brokers. Along with providing the usual rental automobile insurance coverage varieties, State Farm has additional kinds of protection reminiscent of roadside help and towing companies that many drivers discover beneficial.

Steadily Requested Questions (FAQs)

Does Progressive auto insurance coverage cowl rental automobiles in Canada?

Any Progressive auto insurance coverage coverage bought within the U.S. can even work in Canada with the identical protection limits. This is applicable to each private automobiles and rental autos. When you could not must notify Progressive of your journey to Canada, it’s sensible to take action earlier than heading out.

Will Progressive drop me after an accident?

Whereas Progressive says that it gained’t improve your premiums after one automobile accident, you might even see a rise throughout your subsequent enrollment interval. Those that have been with Progressive for a sure period of time could also be eligible for accident forgiveness.

Ought to I get rental automobile insurance coverage?

It is best to get rental automobile insurance coverage in case you don’t have a private coverage, if you wish to improve your present protection whereas on the highway or in case you’re touring internationally. For others, your private auto insurer or bank card firm could already cowl rental automobile insurance coverage.


The Detroit Bureau collects information from each main automobile insurance coverage supplier to formulate rankings of the perfect insurers. Our in-depth score system takes into consideration market share, protection, auto insurance coverage price estimates generated by Quadrant Info Companies, buyer satisfaction and scores from trade consultants. Every insurer is given a weighted rating in 4 classes, in addition to an total rating out of 10.0.

We advocate auto insurance coverage firms based mostly on these rankings, however we additionally encourage you to carry out your individual analysis and examine quotes to search out the perfect protection.

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