Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
Yes, Allstate offers rental car insurance. If you already have a personal auto policy from Allstate that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Allstate, physical damage to the rental vehicle will not be covered.
You can talk to an Allstate customer service representative at 1 (800) 255-7828 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through Allstate to cover your rental car, you can purchase insurance from your rental car company or see if it is offered by your credit card company.
Allstate Rental Car Coverage
Liability Insurance
Allstate liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others’ medical expenses and repairs to others’ property resulting from an accident you caused in your rental vehicle.
Collision and Comprehensive Insurance
If you have collision and comprehensive insurance with Allstate, this will typically cover any damage that occurs to the rental vehicle during your rental period. However, your Allstate collision and comprehensive coverage limits may not be high enough if you are renting a car with a much higher value than your personal vehicle and the car gets totaled.
Personal Injury Protection or MedPay
If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.
Allstate Rental Car Reimbursement Coverage
Allstate rental car reimbursement coverage helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, Allstate will pay about $30 to $100 per day toward the cost of your rental, up to 30 days. You select specific rental car reimbursement limits when you purchase the add-on. For example, Allstate might pay up to $30 per day for a maximum of 30 days for your rental car.
If you want to learn more, check out reviews of Allstate on WalletHub, as well as our guide to rental car insurance.
People also ask
How does rental car liability insurance work?
Rental car liability insurance works by paying for injuries or property damage that you cause in an accident while driving a rental car. In every state except California, the minimum amount of liability coverage required by the state is automatically included in rental car contracts. Rental car liability insurance does not protect you or your rental car from collision damage, car theft, loss of personal effects, or injuries.
Should You Get Rental Car Liability...
read full answer by WalletHub, Financial CompanyDoes Allstate offer pay per mile insurance?
Yes, Allstate offers pay-per-mile insurance. The Allstate pay-per-mile insurance program is called Milewise, and it charges customers a low daily rate plus a per-mile rate, making it a good choice for low-mileage drivers. For instance, Allstate provides an example rate of $1.50 per day plus $0.06 per mile.
Key Things to Know About Allstate’s Pay-Per-Mile Insurance
- Program Name: Milewise
- Mileage Cap: There is a mileage cap of 250 miles or 150...
What is Allstate Drivewise?
Allstate Drivewise is a usage-based insurance program that tracks drivers with a mobile app and adjusts their premiums based on their driving habits. The Allstate Drivewise app monitors three main driving characteristics: safe speed (under 80 mph), braking (minimal abrupt stops) and time of day (limited late-night trips).
Allstate Drivewise - Key Features
| Factors for Calculating Pricing | Additional Considerations | Availability |
| Speed Time of Day Braking | Drivers get rebates every six months based on driving behavior. Drivewise tracks unsafe behavior, such as hard braking and high-speed driving. You can use a smartphone app. | All states except California and Alaska |
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