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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 25, 2021

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The lowdown...

  • If you’re renting a moving truck, review the terms of your current auto insurance before rejecting insurance
  • When you’re renting a private passenger auto, the broad coverage under your policy will extend to the rental
  • Moving trucks are classified as commercial vehicles and not private passenger autos because of their size
  • You’re at a higher risk of accident in a moving truck when you aren’t familiar with driving a commercial truck
  • You can buy truck insurance from the agency before you leave the office so you have at least liability coverage

Moving isn’t just expensive, it’s stressful. One way to reduce the expenses that are incurred while you’re moving is to transport all of the stuff on your own. yes, it takes more time to pack all your things and make sure they’re secure in the truck. One of the biggest issues people run into is things breaking. When you pack it yourself, you don’t have the same damage or loss protection as you would with a professional moving company. You may still have to hire movers to help with large things like dresser drawers and pianos. Then you have to spend the time driving and unpacking everything yourself.

When you hire a moving company to do the work for you, you’re going to pay significantly more for the service. It may seem better for families on a budget to do all of the heavy lifting themselves. If you can find friends to help, even better. But you should always consider the time required to do all the packing and moving yourself and any fees you’ll need to pay for help with large items. Some companies offer lower prices than others to meet you in the middle.

Some families have to consider things like small children who require constant supervision. So packing and moving yourself is difficult if not impossible. Physical disabilities and limitations also come into play. If you choose to do it yourself, though, you should always make sure you have protection for yourself while driving the truck.

When you rent a truck, you must check to see how your insurance will protect you. Here’s a guide to help.

If you are moving soon and want to make sure you are adequately covered before getting a moving truck, compare at least three to four policies by entering your ZIP code above!

Does Personal Car Insurance Extend to Moving Trucks?

If you regularly rent cars for travel, you’ve probably been told that your auto insurance extends to the rental as long as it’s a standard model. Rental companies often offer their own insurance to cover damages while allowing you to just walk away.

One of the great things about a Personal Auto Policy contract is that it offers you protection for more than just your car.

There are some limitations, but you’ll have liability and physical damage coverage if it’s currently on your policy and the rental is in your name. There are benefits to paying for the supplemental coverage. When you buy rental car insurance by paying a daily rate, it will waive your deductible, and you won’t have to pay for the loss of use.

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Personal Insurance Doesn’t Extend to All Vehicles

This doesn’t apply to all rental vehicles. With the size of many moving trucks, your insurance company may have different rules. Your insurance contract has a lot of limitations, and exclusions are written into it. One of those exclusions pertains to what types of vehicles are covered under the newly acquired vehicle or temporary substitute provisions.

The vehicle that’s being rented needs to be a private passenger car and not a van or a commercial truck. You can’t rely on your car insurance to protect you while you’re renting a moving truck.

Are you required to buy moving truck insurance when you rent?

If you’re going to reserve a truck for your move, you have to do more than just select a size.

Estimating how large of a truck and how many trips you’ll have to make a local move can be frustrating, but you’ll have to also consider how much more you’ll have to pay if you pay for other add-ons on top of the daily or hourly rate. You may also only have help from friends or family for a limited time. So getting everything into the truck and then unpacked with fewer trips is critical.

The bigger the truck, the more restrictions you might run into including a CDL requirement. You can find all this in the contract, but you can also ask your truck rental company. Always make sure you know how the insurance works and any extra fees associated with it.

In most states, rental car companies can’t require you to buy supplemental insurance based on the state law. The agency must maintain insurance that protects itself but can’t mandate that you buy your own. If you’re renting a larger moving truck, you may want to take them up on their offer or at least talk to your insurance company to be sure you’re covered.

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Will the insurance already on the rental truck cover you?

If you reject the insurance that you’re offered, the commercial insurance that’s carried by the rental company won’t protect you.

The insurance is there to protect the agency from being sued by victims if you rent a truck and they are sued.

The pre-existing rental truck insurance is not meant to pay when renters are reckless and have accidents of their own.

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What is the risk of opting out of buying insurance?

You might not want to pay nearly double as much for your rental truck when you’re buying insurance, but opting out can be really risky. You drive your personal car and even borrowed cars with peace of mind in knowing that you have coverage when you need it.

When you’re in a moving truck, you’re an uninsured driver when you opt out.

Since moving trucks are large commercial vehicles that can be difficult to maneuver, you have to accept the fact that you’re more likely to have an accident while you’re driving it.

Since the risks of getting into an accident are high and moving trucks cause a lot of damage, you need at least third-party liability coverage to help you pay for damages. If you have a loss without the coverage, you could be taken to court and ordered to pay thousands.

Will your credit card company provide insurance while you rent?

Credit card companies offer their customers some benefits when they rent cars and trucks with their credit card.

Many carriers will offer complimentary insurance on the vehicle that’s being rented.

What you don’t know is that their insurance coverage isn’t always available. When you rent a van, a commercial truck, or an exotic car, the benefit isn’t offered.

Who is responsible for the damage?

If you’re renting a truck for a family member, think again.

The person who signs the rental agreement is entirely responsible for the vehicle and all of the equipment included when they are damaged while in your custody.

You will have to pay for the damage and also lost income while the truck is being repaired no matter who is at fault for the loss.

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What types of coverage can you buy?

All of the large rental truck agencies that do business offer some protection to their renters. You should consider each of the offerings before you assume that rejecting protection entirely is right for you.

Here’s what you can choose from:

  • Damage Waiver
  • Personal Accident Insurance
  • Supplemental Liability Coverage
  • Cargo Insurance
  • Towing Insurance

Your personal auto insurance doesn’t cover a moving truck, but it will cover other rentals. Since you’ll be exposed to more losses than usual while you’re moving, it’s best that you carry at least some coverage through the agency.

When it’s time for you to start switching your insurance after your move, use an only quoting tool and compare quotes from local agencies near your new home.

Try our FREE online quote tool and start comparison shopping for better auto insurance rates today! Get the best rates in case you rent a moving truck! Enter your ZIP code below to begin.