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Enterprise Car Rental Insurance Review

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When you rent a vehicle at an Enterprise office, the company will offer you many optional rental car insurance products for additional protection. Depending on which policies you select, the daily cost of the rental insurance coverage can range between $5 and $20. While these add-ons are not mandatory for signing the car rental agreement, it might be a good idea to buy them if your regular personal auto insurance does not provide the necessary coverage.

Enterprise Car Rental Insurance: Company History

Enterprise is one of the largest car rental companies in the United States and operates close to 8,000 international locations. The company, which has its headquarters near St. Louis, Missouri, offers vehicles in multiple classes for rent at its various offices. You can rent cars for a few hours, a day, a week, a month, or longer. Booking in advance and far from airport areas may get you some good rental deals. The company will send a car to pick you up for free at your home or hotel.

The optional insurance products you can get when you rent the car and their prices depend on the type of vehicle you rent, but all prices are competitive and there are no hidden fees.

Renting a Vehicle With Enterprise

You can rent a vehicle from Enterprise if you are 21 or older. If you are in New York or Michigan, you must be 18 years old to rent a car. You will need to have a valid driver’s license and credit card. Drivers between 18 and 24 may be able to rent only specific types of cars from Enterprise. For example, you may be able to rent standard, economy, compact, or full-size cars. You may also be able to rent compact SUVs, minivans, pickup trucks, and cargo vans.

The company charges a young renter fee for people under 25. It can be around $25 per day but may be higher or lower, depending on the rental location. In Michigan, the daily young renter fee is $40 for the 18 to 20 age group and $19 for the 21 to 24 age range. When you rent a vehicle in New York and are between 18 and 20 years of age, you must pay $64.40 in daily young renter fee. For drivers who are between 21 and 24 years, the young renter fee is $24.50 per day.

Enterprise Car Rental Insurance Options

Here are some Enterprise car rental insurance options that are typically available:

Collision or Liability Damage Waiver

The collision or liability damage waiver is optional, and you can rent a vehicle without it. However, it can save you from being held responsible if the rented car suffers damage in a collision or gets stolen. The cost of the waiver can depend on the location of the Enterprise office where you will rent or return the vehicle. Generally, it is around $21.99 per day.

Roadside Assistance Protection

Roadside assistance protection is not insurance, but you might want to get it to avoid paying extra out of pocket if you encounter any problems while driving your rental car. For example, you could run out of gas, require a tire change, lose the car keys, or get locked out of the vehicle. In such cases, you only have to call the roadside assistance team at the provided number, and they will take care of the matter. The charge for roadside assistance protection is $3.99 per day. If you already have your own roadside assistance, it should cover a rental car as well.

Personal Accident Insurance and Personal Effects Coverage

You can get the optional personal accident insurance and personal effects coverage for an additional charge when you rent your vehicle at an Enterprise office. Unlike the liability waiver, which covers other people, personal accident insurance will cover the medical expenses and ambulance expenses of you and your passengers and also provide you with accidental death coverage. With the personal effects coverage, you can insure your personal belongings and those of your family members traveling in the vehicle with you against loss or damage.

Depending on where you rent the car, the per-day cost of the insurance coverage can range between $5.13 and $13. If your existing insurance policies cover personal accidents and personal effects, you can bypass this policy.

Supplemental Liability Protection

With the optional supplemental liability protection, you can get up to $300,000 in insurance coverage in third-party liability claims for yourself and any other drivers you authorize to drive the rental car. It will cover bodily injuries, death, and property damage. The additional charge you must pay for this coverage is between $8 and $18 per day. The exact cost depends on where you rent the car.

Enterprise Car Rental Insurance Discounts

Enterprise generally offers various promotions and discounts year-round at many of its home city locations. These may not be available at their airport locations. You can get weekend specials, Enterprise Plus membership offers, corporate partnership coupons, and drive-out programs. Remember to inquire about available discounts when you book your reservation. If you sign up for the Enterprise Plus loyalty reward programs, you can earn points and get discounts. For example, after you rent six vehicles in one year, you may get a 10% discount and a free car upgrade

Should You Get Enterprise Rental Car Insurance?

Before you get Enterprise rental car insurance, it might be a good idea to review your existing personal auto insurance policy and the coverage offered by your credit card company and determine the type of coverage you already have. You can also check the state-mandated minimum liability coverage the rental company has taken for the car. By doing that, you can avoid paying twice for the same rental car insurance coverage.

Many consumers who have written an Enterprise car rental insurance review claim problems with the company’s customer service and rental vehicles. Some people have also faced issues with making credit card payments. It is essential to be aware of this before making your rental decision.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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