Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 30, 2021

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The Lowdown

  • Rental insurance tends to be unnecessary unless you have low coverage limits and want an expensive vehicle
  • Most major insurers offer car rental and flood insurance for free with an existing policy
  • Most insurers include protections against flood damage in their comprehensive auto insurance policies

An insurer that offers car rentals and flood insurance can be an asset during an emergency. Say, for instance, your automobile is flooded but you have no other vehicle to leave the area.

We’re going to go into which major insurance providers offer automobile rentals and auto insurance for flood damage. Then, we’ll look at rates. Lastly, we’ll analyze company ratings.

Before finding an affordable auto insurance company that offers rentals and flood insurance quotes, enter your ZIP code into our free tool above. With it, you’ll find the most affordable auto insurance rates in your area.

Auto Insurance Companies That Offer Rental and Flood Insurance

“I need to insure my rental car, is my current policy enough?” It depends on what you have. Fortunately, there aren’t many auto insurance companies that don’t offer car rental and flood insurance.

Major auto insurance providers tend to provide policyholders with rental and flood insurance. Meaning, in conjunction with an existing policy.

Does my auto insurance cover rental cars, and how much is a standard policy? For the ability to rent a car, a liability-only policy probably won’t be enough. You’ll need full coverage.

What is full coverage auto insurance? This includes both collision and comprehensive coverage.

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How much are rates from auto insurance companies that offer rentals and flood insurance?

It’s important to get the best price possible when you get the coverage that meets your needs. Next, let’s look at a table that shows annual rates for full coverage. This data is organized by state.

Average Annual Auto Insurance Rate for Full Coverage By State
StateAverage Annual Auto Insurance Rate for Full Coverage
Alabama$372.57
Alaska$547.34
Arizona$488.59
Arkansas$381.14
California$462.95
Colorado$477.10
Connecticut$633.95
Countrywide$516.39
Delaware$776.50
District of Columbia$628.09
Florida$289.04
Georgia$845.05
Hawaii$490.64
Idaho$458.49
Illinois$337.17
Indiana$430.54
Iowa$372.44
Kansas$293.34
Kentucky$342.33
Louisiana$518.91
Maine$727.15
Maryland$333.92
Massachusetts$599.48
Michigan$587.75
Minnesota$722.04
Mississippi$439.58
Missouri$437.38
Montana$399.41
Nebraska$387.77
Nevada$349.07
New Hampshire$647.07
New Jersey$393.24
New Mexico$865.55
New York$462.21
North Carolina$784.98
North Dakota$357.59
Ohio$282.55
Oklahoma$376.16
Oregon$441.57
Pennsylvania$553.43
Rhode Island$495.02
South Carolina$720.06
South Dakota$497.50
Tennessee$397.73
Texas$498.44
Utah$471.26
Vermont$340.98
Virginia$413.12
Washington$568.92
West Virginia$501.44
Wisconsin$359.84
Wyoming$323.38

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How much is coverage in your state? Now, all you have to do is match that average with the quotes offered by insurers. Be sure to always compare quotes from at least three.

Finally, let’s wrap up with company ratings.

How well-reviewed are the auto insurance companies that offer car rental and flood insurance?

Next, we’re going to find out which major insurers have the best ratings. A.M. Best is a great organization for determining whether or not a company is on good financial standing.

A.M. Best Ratings
Insurance CompanyA.M. Best Ratings
AllstateA+ (Superior)
American FamilyA (Excellent)
FarmersA (Excellent)
GEICOA++ (Superior)
Liberty MutualA (Excellent)
NationwideA+ (Superior)
ProgressiveA+ (Superior)
State FarmA++ (Superior)
TravelersA++ (Superior)
USAA
(Military &
Family Members)
A++ (Superior)

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As you can see, there are plenty of reputable insurers to choose from. Several of the companies even hold A.M. Best’s highest rating of “A++.” These are: GEICO, Travelers, State Farm, and USAA.

All four companies would be a great option when you buy insurance from an auto insurance company that offers rentals and flood insurance.

In short, you have options when it comes to providers that offer car rentals and flood insurance. Now, type your ZIP code into our free and helpful tool below to find quotes from auto insurance companies that offer rentals and flood coverage in your area.