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What are car rental and travel expenses?

If your car is in the repair shop because of damage that's covered by your comprehensive or collision insurance, car rental reimbursement will help pay the cost to rent a car you can use to get to work, to school, or for other day-to-day activities.

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How car rental and travel
expenses coverage works

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 to start with, but we'll reimburse you.

Coverage is optional so make sure to ask for this coverage before you need it.

Car rental expense

Pays up to the amount you specify in your policy, when you or a relative who 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. If you have a $16 each day/$400 each occurrence limit, State Farm will pay up to $16 each day and up to $400 for each occurrence for your rental vehicle.

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 deductible if you have a covered-loss accident in a rental car.


What car rental and travel expenses doesn’t cover

  • 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.

Want more than rental coverage?

When it comes to car insurance, you’ve got plenty of policy options. State Farm can help you find the right coverage or how much auto insurance you might need. Coverage varies by state and your selection.

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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