Does car insurance cover a rental moving truck?

Does car insurance cover a rental moving truck? Your policy might, but coverage could be limited based on the size or weight of the truck or how much damage it will cover. You may be better off buying insurance from the rental company since their products are tailored to their vehicles and the most likely claims.

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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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 11, 2021

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The Highlights

  • Your car insurance may cover a rental moving truck to a certain extent
  • You should ask about coverage limits, such as the size of the truck, damage claims, and deductibles
  • Rental insurance from your credit card company is unlikely to be beneficial
  • The best way to make sure you’re covered while driving a moving truck is to buy insurance from the rental company

Moving – a common life event – can be stressful, so anything to ease that stress is helpful. Driving a moving truck may take some time to get used to, but unfortunately, you don’t have much time for practice.

Does car insurance cover a rental moving truck? Your car insurance company may provide coverage, but it may be limited. You may want to consider purchasing supplemental insurance.

Read on for more information, and compare car insurance rates before you make a choice.

Does car insurance cover a rental moving truck? Before you find out, finding affordable car insurance by entering your ZIP code into our free quote comparison tool above.

Does my car insurance cover a rental moving truck?

Does personal auto insurance cover rental trucks? Your policy may or may not cover a rental moving truck, so your best bet is to consult your insurance company or insurance agent to find out.

There are some specifics that you’ll need to consider before renting a moving truck with only your auto insurance.

Even the best insurance companies will limit coverage based on the size or weight of the truck. The company may also limit what they cover. For example, they may only cover damage to other vehicles or injuries, or they may also cover damage to the moving truck.

You may also want to ask if there is a deductible or how claims would affect your premiums.

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Should I use rental coverage from my credit card company?

In most cases, rental insurance from your credit card company just isn’t good enough to rely on. They may limit you even more than your auto insurance company. Some credit card companies will only allow you to rent a pickup truck or moving van instead of a large box truck.

You may also find that your credit card rental insurance will only pay out after your auto insurance company, so it may not be worth it.

Should I buy insurance from the rental company?

The best way to make sure you’re covered is to purchase supplemental insurance from the rental company because they are specifically tailored to their vehicles and common incidents that may occur while you’re driving.

Rental companies will often provide a few different coverages:

  • Supplemental liability will cover other people’s liability and damage.
  • A damage waiver will cover damage to the rental truck.
  • Personal accident and cargo protection covers injuries to you and your passengers as well as your belongings.
  • Auto-tow protection covers damage done to a vehicle that you are towing behind the truck.

If you’re wondering, “Does auto insurance cover a moving truck rental?” then maybe it’s time to find a policy that does. Enter your ZIP code into our free quote comparison tool below.

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