Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 4, 2020

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Most of us have come to rely on, perhaps too much, on our cars.

If the prospect of being without yours in the aftermath of a serious car accident is troubling, you might want to consider adding an option like rental reimbursement.

While you’re a customer with Progressive, they make it very easy to add this option.

If you have to rely on your vehicle, rental reimbursement is an excellent option to add to your car insurance policy. 

Keeping You on the Road

When you add a rental car reimbursement option to your Progressive car insurance policy, they will reimburse you for the cost of renting a car while yours is totaled.

Or inoperable or being repaired from damage due to a valid comprehensive or collision coverage claim.

Annual cost of rental reimbursement compared to weekly cost of a rental car.Illustrated above is the annual cost of rental reimbursement coverage to your policy. If you choose the $50 per day option, it would cost approximately $50 per year. On the other hand, if you forego the coverage, then pay out of pocket? It would cost approximately $225 per week from a rental car company.

Some people get confused and think that rental car coverage is similar to the insurance offered by a rental car company when you rent a car for personal or business purposes.

This is not the case.

The amount of the reimbursement you receive from Progressive on a rental reimbursement option is determined by the limits you select when you purchase the coverage.

Depending on the state where you live and the other policy options and coverage levels you have in place with Progressive, you can get daily limits ranging from $25 to $50 for up to 30 days of rental car use.

The majority of Progressive rental reimbursement policies come with a 30/30 limit ($30-per day for 30 days), and these limits are for each incident or claim over the course of your policy’s term.

Not a Stand-alone Option

One thing to be aware of when considering adding rental reimbursement coverage to your Progressive car insurance.

You will have to have either comprehensive or collision coverage in place before you can add this option.

Many insurance companies require you to have both collision and comprehensive coverage to be sold rental car reimbursement.

With Progressive, you can select one or the other.

If you think you may want to add rental reimbursement to your Progressive car insurance policy, familiarize yourself with either collision or comprehensive coverage.

Collision coverage helps to pay for any repairs your car will need after an accident where you collide with another car or an object or suffer a rollover.

Comprehensive covers repairs from damage caused by non-collision events like fires and floods, theft or vandalism, and severe weather.

I have examples listed below:

  • Collision with a vehicle
  • Crashing into a stop sign
  • Accidentally hitting an animal.

Either option will come with a deductible you can select, and the limits of coverage depend on the current market value of the car you are insuring.

In fact, it might be a good idea to familiarize yourself with all of Progressive’s car insurance options.

A Word About Cost

Rental reimbursement coverage through Progressive is surprisingly affordable.

Depending on the state where you live and the full array of coverage options you have on your existing policy, you can add it for as little as $9 in additional premium over the term of your policy.

Bear in mind, though, that if you don’t have either collision or comprehensive coverage, you will have to factor in the cost of adding one of these options.

The cost of comprehensive or collision coverage will be determined by the value of the car you are insuring and the amount of the deductible you choose.

The higher the deductible you choose, the less expensive the coverage will be.

If you and your family depend on reliable transportation, consider adding an option like rental reimbursement to your Progressive car insurance policy.

Especially if you are a single-car family.

Because if your car stays in the shop after an accident, it’s unlikely you’ll be able to carpool with Flo.

Estimated Cost of Rental Reimbursement Compared

Below is a table of various companies offering rental reimbursement compared with Progressive.

The cost can range from $1.44 to $15 per month.

Adding this option to your policy would be well worth the nominal monthly fee.

CompanyReimbursement CoverageMonthly Rate
Allstate$25/day ($600 max per incident)$1.44
$50/day ($1,200 max per incident)$2.88
80% of the rental cost/per day ($1,500 max per incident)$1.75
Progressive$30/day and ($900 max per incident)$2.89
$50/day and ($1,500 max per incident)$4.12
Esurance$30/day ($900 max per incident)$4.44
$40/day ($1,200 max per incident)$5.58
Nationwide$30/day ($900 max per incident)$3.85
$40/day ($1,200 max per incident)$5.77
$50/day ($1,500 max per incident)$7.24
$60/day ($1,800 max per incident)$8.89
$75/day ($2,250 max per incident)$12.32
$100/day ($3,000 max per incident)$14.93
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Frequently Ask Questions

When can you use the Rental Reimbursement?

Rental reimbursement can be used while your vehicle is being repaired after an accident. Not for routine maintenance or repair.

What coverage am I required to have to add rental reimbursement?

Most auto insurance companies require you to have comprehensive and collision coverage to add rental reimbursement to your policy.

Should I get the coverage?

When you get into an accident, your policy will cover damages but won’t cover a rental car. If you would like to have this option, you will need to add rental reimbursement to your policy.

Can I get rental reimbursement after an accident?

You are going to need the coverage before you have an accident. In some instances, you can get rental coverage from an at-fault driver. It will depend on the state and the circumstances.

Isn’t it cheaper to rent a car?

It depends on the type of vehicle. If you get a small economy car, a weekly rental will cost $80 to $150 per week. A mid-size sedan may cost $300 per week. 

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