1. Year
2. Make
3. Model
4. Trim
5. Fuel Type

Great news! FIXD is compatible with your vehicle.

BUY NOW

Unfortunately, FIXD is not guaranteed to be compatible with your vehicle.

BLACK FRIDAY DEAL

Hertz Rental Insurance – Insurance Agent Reviews and Tips

Hertz Rental Insurance provides a convenient option to protect car renters, but most coverage they offer is available through other means for more competitive rates. Travel insurance and regular car insurance are often more affordable and have better coverage than Hertz’s options!

Family Posing For Selfie Next To Car Packed For Road Trip

Want to save on car insurance?

The best way to save is to shop around for lower rates. Enter your information below to instantly compare quotes from leading carriers! 

TABLE OF CONTENTS

Renting a Hertz car in the near future? At the checkout counter, renters are presented with multiple options for insurance or damage waivers. But are the policies worth it? Below we provide a quick reference chart so you know exactly what you do and do not need.

In the rest of this article, we explain how Hertz Rental Insurance works and what it covers. We will also show you some other ways to get similar or better coverage for a lower price.

How Hertz Rental Car Insurance Works

Liability Insurance up to the state minimum requirement is included in the price of the rental car. Any additional liability insurance through Hertz needs to be purchased.

To use Hertz Rental Car Insurance, select the desired coverage options or waivers during reservation or pick up. Hertz offers five different policies or waivers, and we will look into a more detailed breakdown later.

Here’s a quick breakdown of Hertz’s Rental Car Insurance options and whether we think they are worth it!

Hertz Rental CoverageWorth It?Why?Alternative
Liability Insurance SupplementNoNot enough coverage if you end up needing to use it & the alternative is cheaperUmbrella Policy
Limited Loss Damage WaiverMaybeYou may already be covered if you have full coverage. Hertz is a good option if you don’t.Regular Car Insurance (Full Coverage)
Loss Damage WaiverNoYou may already be covered if you have full coverage. Hertz is a good option if you don’t.Regular Car Insurance (Full Coverage)
Partial Damage WaiverMaybeYou may already be covered if you have full coverage. Hertz is a good option if you don’t.Regular Car Insurance (Full Coverage)
Personal Accident InsuranceNoNot enough coverage if you end up needing to use it & the alternative is cheaperTravel Insurance
Pretty woman in straw hat enjoying road trip on a summer holidays. Girl riding sitting on car door and leaning out of window arrived at beach. Excited young female raising her hands of the car window.

The Cost of Hertz Car Insurance

Each coverage through Hertz has its specific costs unless purchased as a package deal. 

Make sure to call Hertz before renting any vehicle to confirm pricing, as discounts and deals are available throughout the year!

Loss Damage Waiver

The Loss Damage Waiver through Hertz is an additional $45 per day but may be lower when selected as part of the reservation. When we tested out Hertz’s rental options, we were offered a rate as low as $33.99 for a rental within the United States.

Liability Insurance Supplements

Liability Insurance Supplements were available with online reservations for $12.31 per day.

Personal Accident Insurance

Personal Accident Insurance was offered for $7.51 per day through the online reservation portal.

Discounts

Additional perks and benefits like an included tank of gas are available for up to 15% off when entire insurance and waiver packages are booked in advance through Hertz.

Hertz Insurance Coverage Options

We organized the information from the Hertz policies into a simple chart to demonstrate what each coverage through Hertz offers. 

Hertz Optional Protection PlansOverview of Benefits
Liability Insurance SupplementCovers Liability of Third Party Liability Claims as a Result of Accident up to $1 Million
Limited Loss Damage WaiverRenter Not Responsible for Cost of Damages Up to $1000
Loss Damage WaiverRenter Not Responsible for Theft, Loss, or Damages to Rental Car
Partial Damage WaiverRenter Not Responsible for Amount Equal to Auto Insurance Deductible Up to $1000
Personal Accident InsuranceCovers Medical Expenses of Driver During Rental Period up to $2,500, Theft of Personal Items to $600

Personal Accident Insurance through Hertz is Inadequate.

Hertz’s Personal Accident Insurance only covers up to $2,500 in medical expenses and only $250 for an ambulance. With soaring medical costs, this coverage is quickly insufficient in an accident or while traveling.

Additionally, this coverage will only cover medical costs for passengers that occur while inside the rental car. 

Instead, customers should look into protecting themselves from medical costs in these ways:

  • Check auto insurance for personal and passenger medical coverage within the United States
  • Find Travel Insurance with better coverage for unexpected medical costs
  • Check with medical insurance to find out if or when coverage applies while traveling

Hertz’s Personal Effects Coverage Doesn’t Provide Much Protection.

Included in the Personal Accident Insurance is Personal Effects Coverage. This coverage only covers up to $600, and it only covers damage to belongings in an accident or a police-reported theft.

With low Personal Effects Coverage and a long list of exclusions, this aspect of Personal Accident Insurance is not worth it. Consider coverage through travel insurance.

Happy senior couple taking selfie on new convertible car - Mature people having fun together during road trip vacation - Elderly lifestyle and travel transportation concept

Hertz Rental Car Insurance Versus Regular Car Insurance

Instead of relying on Hertz’s policies, another option is to work with an agent or a current auto insurance company to secure coverage. 

How does Hertz’s insurance compare to policies from auto insurance companies? The rates offered through auto insurance and umbrella liability policies are much more competitive than rates through the rental car company.

We created a chart to illustrate similar coverages between Hertz and Auto Insurance offerings.

CoverageHertzAuto Insurance
LiabilityUp to $1,000,000 in Most of the United States and CanadaPolicy Limits Selected by User Plus Any Umbrella Liability Insurance
Rental CarLoss Damage Waiver: Covers Selected Rental CarComprehensive & Collision: Typically Covers Rental Car After Deductible, Check Policy for Details
Personal and Passenger InjuryCovers a Maximum of $2,500 in Medical Costs and $250 for Ambulance per PersonCoverage is Usually Higher than Hertz’s, Check Your Policy

Keep in mind that Auto Insurance likely won’t cover expensive or luxury rental cars. 

If the car rented has a higher value than the primary vehicle insured on your policy, then getting a higher level of coverage will be necessary to protect you from expensive replacement or repair costs should an accident or theft occur.

The Liability Insurance Supplement is a Primary Policy.

Primary coverage means that claims filed through this coverage option from Hertz do not need to be filed with your auto insurance. 

This protects policyholders from premium increases or policy cancellations resulting from a rental car accident, so long as liability remains under the $1,000,000 limit.

Hertz Rental Car Insurance Versus Credit Card Coverage

Hertz’s Loss Damage Waiver is nearly identical to the Collision Damage Waiver(CDW) coverage offered by popular credit cards. 

We compared coverage offered by Hertz to coverage offered by competitive credit cards.

OfferCostVehicle ExclusionsUnited States CoverageCoverage Abroad
Hertz Loss Damage Waiver$45/DayCovers Rented CarPrimaryPrimary
Capital One Venture X Travel Rewards Credit Card CDWIncluded BenefitExpensive or Luxury Cars, Large Passenger Vehicles, Verify Coverage for Selected RentalPrimaryPrimary 
Chase Sapphire Reserve CDWIncluded BenefitExpensive or Luxury Cars, Large Passenger Vehicles, Verify Coverage for Selected RentalPrimaryPrimary
Costco Anywhere Visa Card by Citi CDWIncluded BenefitExpensive or Luxury Cars, Large Passenger Vehicles, Verify Coverage for Selected RentalSecondary to Auto InsurancePrimary
Bank of America Travel Rewards CDWIncluded BenefitExpensive or Luxury Cars, Large Passenger Vehicles, Verify Coverage for Selected RentalSecondary to Auto InsurancePrimary

For most rental purposes, the rental vehicle will be covered by a credit card’s Collision Damage Waiver. Additional protections and coverage may be available when purchased through the credit card company or one of their partners in advance.

Collision Damage Waivers (CDW) are not liability insurance. In an accident, you will be financially responsible for third-party property damage and medical expenses. Make sure that your auto insurance liability covers rental vehicles.

The Bottom Line: Should You Buy Hertz Insurance?

If you plan, the policies offered through Hertz can be found for more competitive rates through other policies. 

However, Hertz offers convenient coverage options if you cannot use the other options outlined in this article, such as the credit cards shown above.

Frequently Asked Questions

What is the purpose of rental car insurance?

Rental Car insurance protects customers from paying replacement costs for rental cars. This coverage is also called Collision Damage Waiver or Loss Damage Waiver.

Am I responsible for stolen rental cars?

Renters are financially responsible for the cost of a stolen rental car, even if they are not at fault.

Will every credit card cover rental car insurance?

Rental Car Insurance through credit cards is called a Collision Damage Waiver, and not every credit card offers a Collision Damage Waiver.

What is the best credit card for rental car coverage?

Chase Sapphire Reserve provides some of the best Collision Damage Waiver coverage, also known as rental car insurance. Chase offers primary coverage within the United States and Worldwide.

References

(2022). Auto Rental Collision Damage Waiver. chase.com. Retrieved November 15, 2022, from https://www.chase.com/personal/credit-cards/slate/autorental-protection

(2022). Does My Costco Anywhere Visa Card by Citi Include Rental Car Insurance. Costco Travel. Retrieved November 15, 2022, from https://costco-travel-us-mbr.custhelp.com/app/answers/detail/a_id/5902/~/does-my-costco-anywhere-visa%C2%AE-card-by-citi-include-rental-car-insurance%3F

(2020). Hertz Rent a Car Information and Protection Plans. Hertz. Retrieved December 3, 2022, from https://www.hertz.com/rentacar/productservice/index.jsp?targetPage=USHowProtectedAreYou.jsp

(2022). Visa Guide to Benefits. business.bofa.com. Retrieved November 16, 2022, from https://business.bofa.com/content/dam/boamlimages/documents/PDFs/visa_guide_to_benefits.pdf

Jesse Cunningham

Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.

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.

Topics

About the Author

Jesse Cunningham

Jesse Cunningham

Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.

You might also like

Explore Car Resources

car insurance icons

Car Insurance

Find the best insurance deals for your car

Car Buying

Everything you need to know about buying a vehicle

FIXD Team logo

Car Care

Car repair costs, how-to guides, and more

car buying icons

Vehicle Search

Search any make/model for reviews, parts and more