Is Insurance included in a rental car for 18 year old, or do I need to purchase it separately?

rental car
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When renting a car, one of the most important things to consider is insurance coverage. For 18-year-olds who are renting a car for the first time, it can be confusing to know whether insurance is included or if it needs to be purchased separately. In this article, we’ll explore the options available for insurance coverage for rental cars for 18 year olds.

Insurance Options for 18-Year-Olds Renting a Car

When renting a car as an 18-year-old, there are typically two options for insurance coverage:

Liability Insurance: Liability insurance is typically included in the rental price for all drivers, regardless of age. This coverage provides protection against damage or injury you may cause to others while driving the rental car.

Collision Insurance: Collision insurance covers the cost of damage to the rental car in the event of an accident. However, this coverage is usually not included in the rental price and needs to be purchased separately.

In addition to these two types of insurance, rental car companies may also offer additional coverage options such as personal accident insurance or personal effects coverage. These additional coverages may provide added protection but also come with additional fees.

Requirements for Renting a Car as an 18-Year-Old

It’s important to note that renting a car as an 18-year-old may come with additional requirements and restrictions. Most rental car companies require drivers to be at least 21 years old to rent a car, and some may require an additional fee or restrictions for drivers under 25 years old. Additionally, rental car companies may require a valid driver’s license and a credit card in the renter’s name.

Purchasing Additional Insurance Coverage

If collision insurance is not included in the rental price, 18-year-olds can purchase this coverage separately. This can be done through the rental car company or through a third-party insurance provider. It’s important to research and compares insurance options to ensure that you are getting the best coverage at the most affordable price.

Using Personal Auto Insurance

Another option for insurance coverage for 18-year-olds renting a car is to use their personal auto insurance. However, it’s important to check with your insurance provider to see if they offer coverage for rental cars and if there are any restrictions or additional fees.


Collision insurance may need to be purchased separately. It’s important to understand the requirements and restrictions for renting a car as an 18-year-old and to research insurance options to ensure you have adequate coverage at an affordable price. Additionally, checking with your personal auto insurance provider may offer another option for coverage.

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