What is car rental reimbursement and travel expenses coverage?

Rental reimbursement coverage will help pay the cost to rent a car, or commercial transportation expenses, you can use to get to work, to school, or for other day-to-day activities while your car is in the repair shop because of damage that’s covered by your comprehensive or collision insurance. However, if you’re traveling and need a car, your State Farm® car insurance may already have you covered.However, if you’re traveling and need a car, your State Farm® car insurance may already have you covered.

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How to know if you have car rental and travel expenses coverage

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What car rental reimbursement covers

If you rent from a company in our network, State Farm will pay them directly. If not, you'll need to pay the rental fees, but we'll reimburse you up to your policy limit. How so? If your car is stolen or damaged in a covered loss, coverage may pay all or part of your expenses to rent a vehicle.

Car rental expense

Pays up to the limits you chose in your policy, when you or a relative who primarily lives with you rents a car while your car isn't drivable because of damage that would be payable under your comprehensive or collision coverage. There’s a daily and per claim limit to the coverage.

Travel expenses

Pays for meals, lodging, and transportation home or to your destination – up to $500 per loss – if your car isn't drivable because of damage done more than 50 miles from home that's covered by your comprehensive or collision insurance. A return trip to pick up your car is also covered.

Repayment of deductible expense

Pays up to $500 for the rental car owner’s deductible due to a covered loss accident.

What car rental reimbursement doesn’t cover

Here are some examples when rental reimbursement does not apply:

  • If your vehicle is disabled in an incident that isn't covered by either your comprehensive or collision insurance.
  • Rental car and travel expenses that go above your policy's limits.
  • Gas, mileage, additional coverage or security deposits incurred while renting a car.

Coverage in action

Let’s say your car is in the shop because of a covered comprehensive or collision loss. Rental reimbursement and travel expense coverage would help pay for a rental car or commercial transportation expenses to get you to work, school or around town.

Frequently asked questions about rental car coverage

Price is important – but it's not the only factor. Knowing your needs saves time and money. Learn more

Yes, depending on your policy. Check with your State Farm agent to be sure.

Check with your State Farm agent, but your auto policy may already cover you for a rental car.

Rental travel expenses coverage may pay up to $500 for repayment of any deductible expense for which you may be responsible.

Many credit card companies offer rental car insurance as a perk. Contact your card issuing company to learn if they provide this car insurance coverage, how much, and what limitations there may be.

Get a local agent who gets you

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Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your State Farm agent.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX