Is Rental Car Insurance Worth It?
Stop guessing at the rental counter. Answer a few questions about your existing coverage and we'll tell you whether to buy or skip the CDW/LDW.
Your Rental Situation
What This Calculator Considers
Your Auto Policy
If you have comprehensive/collision coverage, it usually extends to rental cars in the US. But only for domestic rentals.
Credit Card Benefits
Many credit cards offer secondary rental coverage—but it varies by card, vehicle type, and location.
Risk Factors
International rentals, luxury vehicles, and specialty cars often have coverage gaps that matter.
Frequently Asked Questions
What is CDW/LDW insurance?
CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver) aren't technically insurance—they're waivers where the rental company agrees not to charge you for damage or theft. They typically cost $15-30 per day.
Does my auto insurance cover rental cars?
If you have comprehensive and collision coverage on your own car, it usually extends to rental cars in the US. However, you'll still be responsible for your deductible, and "loss of use" charges (what the rental company loses while the car is being repaired) may not be covered.
What about credit card rental coverage?
Many credit cards (especially premium cards) offer rental car coverage as a benefit. It's usually secondary coverage, meaning it kicks in after your auto insurance. Important: You must decline the rental company's coverage AND pay with that credit card for the benefit to apply.
Should I buy insurance for international rentals?
Usually yes. Your US auto insurance typically won't cover international rentals (except sometimes Canada/Mexico). Credit card coverage varies—some cards exclude certain countries. Check both before your trip.
What vehicles are often excluded from coverage?
Most credit card coverage excludes: trucks, vans, RVs, motorcycles, off-road vehicles, and exotic/luxury cars worth over $50,000-75,000. Always check your specific card's terms for exclusions.