Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Sep 9, 2021

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The Truth in a Nutshell

  • Many car insurance companies offer car rental and flood insurance at no added cost
  • Car rental insurance isn’t usually necessary unless you have low coverage limits and rent an expensive vehicle
  • Most car insurance companies will protect you against flood damage if you have comprehensive car insurance

Finding car insurance companies that offer car rental and flood insurance could help save you money during emergencies. It’s possible that liability car insurance coversthe bare minimum, but additional resources could help protect you.

Researching insurance company products can take some time. We’ll speed things up by helping you learn about different car insurance companies, different rental car insurance options, and more.

In moments you’ll have a better understanding of the top car insurance companies that offer car rental and flood insurance, but first, enter your ZIP to get free insurance quotes from top providers near you.

Car Insurance Companies That Offer Car Rental and Flood Insurance

A good car insurance company will offer policy features that alleviate financial pressure on policyholders in certain circumstances. While these features sometimes come at an added cost, they’re often worthwhile.

Whether you’re traveling out of town or your personal vehicle is being repaired, you could find yourself in a position where you need a rental car and need to be sure you’re still covered by insurance.

Should I insure my rental car?

Rental car insurance can help save you from owing money on a car that isn’t yours. Buying auto insurance from rental car companies can be an added expense that boosts the overall expense of your rental.

Should you buy extra rental car insurance at the counter? This depends.

There are some circumstances in which you might want additional coverage directly from a rental car provider.

For many, purchasing rental insurance actually isn’t necessary if you have full coverage, according to the Insurance Information Institute. Does my auto insurance cover rental cars?

With most car insurance companies, your insurance will be active regardless of the vehicle you’re driving, but there are limits.

For example, if you are fully insured but your coverage limits are less than the rental car’s value, you might want to purchase additional coverage. In short, if you totaled your rental, you’d be expected to pay expenses out of pocket.

Even in this scenario, you’ll want to consider other options before rushing to purchase rental car insurance from a rental company. You may already have additional coverage from your credit card provider.

Rental car insurance through your credit card is fairly common. Most credit card companies will cover you as long as you purchase the rental car using the covered card.

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Does my car insurance cover flood damage?

If you live in an area that’s subject to floods, you’ll want to be sure you’re covered by your insurer. Vehicle flood damage is usually covered as long as you have comprehensive insurance for your vehicle.

If you have the minimum coverage for your vehicle, however, vehicle damage due to floods might not be included. Most companies, like Allstate and State Farm, will include flood damage under comprehensive insurance coverage.

What is comprehensive car insurance? Comprehensive insurance is designed to protect you against non-accident-related damage such as wind, hail, vandalism, and even floods.

If you only have liability insurance, you might consider a flood insurance quote for your vehicle. You can see the cost differences for coverage types below.

Average Annual Car Insurance Rates by Coverage Type
StatesAverage Annual Liability Insurance RatesAverage Annual Collision Insurance RatesAverage Annual Comprehensive Insurance RatesAverage Annual Full Coverage Insurance Rates
Alabama$372.57$317.96$156.31$868.48
Alaska$547.34$350.81$137.26$1,027.75
Arizona$488.59$277.96$186.12$972.85
Arkansas$381.14$321.80$190.41$906.34
California$462.95$396.55$100.54$986.75
Colorado$477.10$287.00$174.61$981.64
Connecticut$633.95$368.51$131.62$1,151.07
District of Columbia$628.09$468.67$233.24$1,330.73
Delaware$776.50$318.77$122.49$1,240.57
Florida$845.05$331.83$159.18$1,048.40
Georgia$490.64$313.17$101.56$873.28
Hawaii$458.49$219.05$116.55$679.89
Idaho$337.17$309.71$128.13$884.56
Illinois$430.54$250.29$122.06$755.03
Indiana$372.44$219.75$183.53$702.46
Iowa$293.34$263.33$267.91$862.93
Kansas$342.33$267.91$141.39$938.51
Kentucky$518.91$414.36$215.17$1,405.36
Louisiana$727.15$259.98$104.98$703.82
Maine$333.92$353.99$152.72$1,116.45
Maryland$599.48$388.28$134.96$1,129.29
Massachusetts$587.75$413.83$154.85$1,364.00
Michigan$722.04$234.40$184.27$875.49
Minnesota$439.58$323.22$210.33$994.05
Mississippi$437.38$275.28$181.27$872.43
Missouri$399.41$265.32$211.91$863.52
Montana$387.77$237.13$229.25$831.02
Nebraska$349.07$303.86$117.63$1,103.05
Nevada$647.07$307.42$110.77$818.75
New Hampshire$393.24$381.86$131.35$1,382.79
New Jersey$865.55$276.98$172.57$937.59
New Mexico$462.21$385.02$171.12$1,360.66
New York$784.98$293.59$136.08$789.09
North Carolina$357.59$244.09$231.04$773.30
North Dakota$282.55$269.84$121.61$788.56
Ohio$376.16$318.47$225.84$1,005.32
Oklahoma$441.57$226.83$93.87$904.83
Oregon$553.43$327.24$144.21$970.51
Pennsylvania$495.02$411.51$132.19$1,303.50
Rhode Island$720.06$265.07$180.94$973.10
South Carolina$497.50$208.58$258.11$766.91
South Dakota$289.04$282.96$116.53$1,257.13
Tennessee$397.73$309.07$148.45$871.43
Texas$498.44$374.49$206.42$1,109.66
Utah$471.26$265.90$109.50$872.93
Vermont$340.98$295.42$125.48$764.02
Virginia$413.12$280.52$136.54$842.67
Washington$568.92$265.74$106.38$968.80
West Virginia$501.44$329.67$204.28$1,025.78
Wisconsin$359.84$226.00$136.81$737.18
Wyoming$323.38$278.83$247.57$847.44
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Also, our flood insurance FAQ article should help answer any additional questions you might have about flood insurance.

What does my own car insurance already cover?

Your car insurance coverage will be dependent on the company you’re using, the policy limits you’ve set, and the nature of any claims you submit.

If you decide to purchase a car insurance policy with just liability coverage, you’ll most likely be missing features such as coverage on rental cars or flood damage.

Your insurance company most likely won’t cover the expenses of a rental car, but they will usually cover you if you get into an accident while driving the rental.

To be sure you’re covered, make sure you have comprehensive car insurance with your primary insurer. You should feel safe with any of our top 10 insurance companies in the United States.

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The Truth About Car Insurance Companies That Offer Car Rental and Flood Insurance

The truth is, there are very few car insurance companies that don’t offer car rental and flood insurance. It’s more important to be sure you have adequate coverage limits and comprehensive coverage.

We hope you’ve learned all you need about car insurance companies that offer car rental and flood insurance. Now, enter your ZIP to get instant quotes from top insurers near you.