Allstate Rental Car Insurance

Allstate offers two separate rental car products: a rental reimbursement add-on on your auto policy that pays for a rental while your own car is being repaired, and a partner discount program that gives policyholders reduced rates at major rental companies. For any rental, your existing Allstate auto insurance liability, collision and comprehensive coverage already follows you to the rental car for personal use in the U.S. The reimbursement add-on is the separate product that pays the rental bill while your own vehicle is in the shop after a covered claim.

This page serves three distinct needs: checking whether rental coverage is already on your Allstate policy, deciding whether to buy the rental counter's coverage package, and accessing the partner discount program at Hertz, Enterprise and other major companies. For a broader look at how auto policies handle rentals, rental reimbursement coverage explains the add-on in full detail.

The Allstate rental reimbursement add-on pays for a rental car while your own vehicle is being repaired after a covered claim. The trigger is a covered loss, not just any repair. The add-on pays up to a set daily limit for a maximum of 30 days per claim. It does not cover a rental for a vacation when your car is running fine, and it does not apply to routine maintenance trips.

The monthly cost to add rental reimbursement to an Allstate policy runs less than $10 in most cases, though the exact figure depends on your policy and state. Your agent or the Allstate app can confirm the premium before you add it.

If your car is declared a total loss, rental reimbursement ends when you accept the settlement offer, not when you find and purchase a replacement vehicle. Before accepting any total loss settlement, ask your adjuster in writing exactly when your rental coverage ends so you are not left without transportation or reimbursement mid-search.

In most cases, yes. Your Allstate liability, collision and comprehensive coverage extends to rental cars you drive for personal use in the U.S. The rental car functions as a temporary substitute for your own vehicle, so your existing limits and deductibles apply. The exception: if you carry only liability coverage with no collision or comprehensive, you will not be covered for physical damage to the rental itself.

There is also a limits caveat worth knowing. Your coverage mirrors your existing limits. If you drive an older vehicle with low actual cash value and rent a newer, high-value car, your limits may not fully cover a total loss of the rental. In that scenario, the rental company's collision damage waiver (CDW) may make sense for that specific trip. For a full breakdown of how auto policies handle rentals, see does car insurance cover rental cars.

Allstate Coverage Doesn't Include:

• Loss of use fees the rental company charges for time the rental is out of service while being repaired
• Administrative or processing fees charged by the rental company
• Diminution in value on luxury vehicles
• Personal belongings stolen from inside the rental (covered under homeowners or renters insurance)
• Commercial use, including rideshare driving or deliveries

Allstate policyholders can access discounts of up to 25% at Alamo, Avis, Enterprise and Hertz through the Allstate partner discount program. Eligibility requires an active Allstate auto policy. Discount availability and terms may change, so verify current offers at allstate.com before booking.

Three exclusions catch Allstate policyholders off guard at the rental counter. First, rental counter upsells, including personal accident insurance and roadside assistance packages, are not covered by your Allstate policy. Second, international rentals are generally not covered. Your Allstate personal auto policy typically does not extend outside the U.S. Third, business use is excluded. If you are renting for work purposes, your personal auto coverage typically does not apply.

If any of these situations apply to your trip, buy the rental counter's coverage for that specific rental. For help deciding whether counter coverage makes sense for your situation, see should I get rental car insurance and the rental car insurance hub.