D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Sep 7, 2021

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Just the Basics

  • Rental moving trucks may not be covered by your car insurance policy
  • Rental moving truck coverage may cost you $148 per year or $12 per month or more
  • Ask your provider about rental moving truck car insurance coverage limits, such as the size of the truck, damage claims, and deductibles

Renting a vehicle is something most people will encounter. As convenient as it is, there are some places of concern when operating a vehicle that you don’t own.

For instance, is a rental moving truck covered by car insurance? Although some collision and liability insurance policies cover car and truck rentals, they may not cover large vehicles.

Before getting started, it is important that you understand the different types of car insurance coverage to make sure you’re protected. Read this article to find out everything you need to know about car insurance for a rental moving truck.

Start looking for affordable rental moving truck car insurance and enter your ZIP code in our tool to get a free quote today.

Does personal auto insurance cover rental trucks?

Does my car insurance cover a rental moving truck? Your car insurance policy may or may not cover a rental moving truck, depending on the size of the vehicle. The size of a vehicle often determines its risk, and larger vehicles tend to have a higher risk level than smaller ones.

To ensure coverage, start by talking with your current car insurance provider about whether your policy includes coverage for a rental moving vehicle.

If your current liability or comprehensive car insurance policy does not sufficiently cover a rental moving vehicle, you will need to consider purchasing an additional policy.

Some car insurance policies that usually cover a rental moving truck include:

  • Rental car insurance
  • Commercial car insurance (pertains to business-related cars)
  • Rideshare add-ons
  • Non-owner car insurance

According to the NAIC, some additional policies that may cover a rental moving truck are:

  • Personal accident insurance
  • Personal effects coverage
  • Collision damage waiver (CDW)

Rental car insurance is offered by most companies and is either included within your comprehensive plan or it is offered separately.

A lot of drivers choose non-owner car insurance coverage, which covers drivers who sometimes borrow or rent a car without owning it. Non-owner car insurance is not offered by every car insurance company, so it’s best to shop around to figure out your best option.

Keep reading for average car insurance rates for a rental moving truck, how to save, and more.

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How much does car insurance for a rental moving truck cost?

As stated before, renting a moving truck may require that you have more than just a basic liability car insurance policy or even a comprehensive policy.

The average rate for comprehensive coverage is $13 per month or $160.50 per year, but, again, you may need more than that. Take a look at the following table for average car insurance rates for various coverage options.

National Average Liability, Comprehensive, Collision, and Full Car Insurance Rates
Car Insurance CoverageAnnual Car Insurance RateMonthly Car Insurance Rate
Liability Coverage$538.73$45
Comprehensive Coverage$160.50$13
Collision Coverage$322.61$27
Full Coverage$1,009.38$84

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Keep in mind that these rates are average, and what you pay may vary based on several factors, including where you live, your age, driving record, and more.

A great way to save on your car insurance is to ask about discounts and compare rental moving truck car insurance quotes from multiple companies.

When and how should you file an insurance claim for a rental moving truck?

If you’re in an accident while driving a rental moving truck, you will have to not only deal with your insurance company but the rental company as well.

Before you decide to drive a rental moving truck, you should know how the company you are renting from handles accidents and filing claims. Even if your car insurance policy covers a rental moving truck, know what to expect from the rental company if you are involved in an accident.

The rental company may require reimbursement for damage when you return the rental moving truck, even if it’s fully covered or not your fault. You may also be charged for lost rental revenue while the truck is in the shop.

It’s in your best interest to be aware of all the things you might run into before you decide to rent a moving truck. Research the rental company and talk with your insurance agent about your cheapest coverage options prior to renting.

Is a rental moving truck covered by car insurance?: The Bottom Line

Does auto insurance cover moving truck rentals? Depending on your car insurance company, a rental moving truck may or may not be covered by your comprehensive or liability car insurance policy.

Some car insurance companies include rental cars and trucks within their comprehensive or liability insurance policies; however, that is not always the case. If you rent a moving truck, you may need to purchase additional rental moving truck car insurance to ensure sufficient coverage.

You should always comparison shop before deciding on the best car insurance company for a rental moving truck to meet your needs.

You can reduce your chances of paying unnecessary car insurance costs after an accident by talking with your current provider and the rental company about their rental moving truck policies.

Are you ready to buy car insurance for a rental moving truck? Enter your ZIP code into our free online tool to get your first free quote and start shopping today.