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Compare carshare car insurance

Make sure you have enough coverage when you borrow a car with Turo, Zipcar or Getaround

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Fact checked

If you live in a city where owning a car is more expensive and a bigger hassle than you want, carshare services can be a great alternative. After all, gas, maintenance, parking and insurance are all included in the package. But if you get in an accident, its insurance coverage may not be enough to make it through unscathed.

Carshare insurance, explained

Most carshare services provide insurance as part of the rental process. But limits in coverage and high damage fees could push you to purchase extra insurance.

What kind of car insurance do I need for carsharing?

One of the benefits of using carshare services is that you don’t need a personal car insurance policy to have protection. But these services often only provide the minimum coverage required by the state where you rent.

If you want to make sure you — and your wallet — are fully protected, consider the following options:

  • Your existing auto policy. If you own your own car and only use carshares for special occasions, the part of your personal policy that covers rental cars should also cover damages to carshare rides.
  • Your credit card coverage. Similar to personal car insurance, some credit cards offer rental car coverage that can extend to carshare services. Simply check with your credit card provider before relying on it.
  • Nonowner car insurance. Some insurance companies offer policies for drivers of other people’s cars, which could be worth looking into if you’re going to regularly use a carshare service.

What kind of insurance do carshare companies provide?

The fine print of your membership contract spells out the coverage offered by your carshare service, but the table below can give you a more specific idea of what some of the more popular companies offer.

ServiceCoverage typeAmount of coverageDamage feeAdditional protection plans24/7 roadside assistance
ZipcarComprehensive

Liability

PIP

Minimum required by jurisdiction

Varies by enrollment date

Up to $1,000Plus: Reduces your fee to $375

Premium: Reduces your fee to $0

Yes
GetaroundComprehensive

Collision

Liability

Up to $1 millionStandard Cars: up to $1,000

Specialty Cars: up to $2,500

Plus: Reduces your fee to $250

Premium: Reduces your fee to $0

Yes
Enterprise CarShareVaries by program and the state where the care is rentedMinimum liability as required by law, with the option to purchase additional liability protectionVaries by program and state, but averages a $1,000 physical damage feeNoneYes

Compare car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Compare up to 4 providers

How much does carshare insurance cost?

Most insurance is included in your annual membership fees, or is listed as an additional fee on your rental total when you reserve a car. But make sure to read your membership contract so you know exactly what coverage you have. You may find options to purchase additional coverage as you pay for your rental.

How do I make a claim after an accident in my carshare vehicle?

If you’re involved in an accident or other incident where someone is injured, call 911 immediately then follow the steps below as soon as you’re safe. If no one is injured, you can skip to following these steps:

  1. Call the police to report the accident.
  2. Call the carshare service to inform them of the accident and follow any directions they give you.
  3. File a police report, take pictures of the damage and gather information about any other cars and drivers involved.
  4. Following the terms of your policy, you may need to fill out a company incident report in addition to the police report.
  5. Let the carshare service deal with the towing and repairs to the vehicle. If you have the car towed or repaired on your own, you could end up responsible for those charges with no reimbursement.
  6. Help the claim administrator as much as you can, and then wait for the carshare company to contact you about any damage fees you may owe.

Bottom line

The insurance provided as part of your carshare membership should be plenty to cover any small incidents that occur. But regular users might benefit from shopping around for extra coverage.

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