Top Insurance Providers That Include $35K Rental Car Coverage

Looking for reliable rental car insurance with high coverage? Here’s everything you need to know about the best providers offering up to $35,000 in rental car damage protection—a smart move that saves you big in case of accidents or theft.

Before we dive into the best providers, note that platforms like Bonzah frequently offer valuable Bonzah coupons and deals to help you save even more when purchasing your rental car coverage online. You can grab instant coverage without the hassle of upselling at the rental counter.

Why $35K Rental Car Damage Insurance Matters

Most rental companies offer expensive collision damage waivers (CDWs), but they don't always cover everything. Having a third-party rental insurance policy that covers up to $35,000 ensures you're protected against unexpected vehicle damage, theft, and even certain liability costs.

Best Providers That Offer $35,000 Rental Car Damage Insurance

1. Bonzah

Bonzah is known for offering primary rental car insurance that can cover up to $35,000 in damages. Unlike secondary insurance through credit cards, Bonzah’s policy kicks in first, eliminating out-of-pocket costs and claims through your personal auto insurer. Their coverage starts under $12/day, and they often provide promotional deals and flexible policy terms.

2. Allianz Global Assistance

Allianz offers comprehensive travel insurance plans that include rental car damage protection. Their rental car damage coverage typically goes up to $40,000, covering theft, collision, and more. They're a great option for travelers looking for bundled protection.

3. Insure My Rental Car

This company offers low-cost, flat-rate coverage that goes up to $35,000. Their collision damage waiver (CDW) plans are perfect for both domestic and international trips. They also provide annual policies, which can be cost-effective for frequent travelers.

4. RentalCover.com

RentalCover partners with reputable underwriters like Cover Genius to offer rental car damage protection plans up to $50,000. Their policies are accepted globally, and you can tailor your coverage with add-ons like roadside assistance and tire protection.

5. American Express (Premium Credit Cards)

Many premium credit cards from American Express include secondary coverage up to $35,000 or more. However, make sure you waive the CDW at the counter and pay for the rental with the card to activate this benefit.

Where to Buy $35,000 Rental Car Insurance Online

You can buy coverage directly from provider websites like Bonzah, RentalCover, or Insure My Rental Car. Many also list their products through travel insurance comparison sites.

When purchasing online, be sure to:

• Review the deductible options

• Check for state exclusions or limitations

• Consider 24/7 claims support and refund policies

How Much Does It Cost?

Prices vary depending on trip duration, state laws, and policy terms. On average:

• Daily coverage: $10–$15/day

• Annual coverage: $80–$120/year

You can often save money by choosing an annual plan or looking for promotional offers.

Who Needs $35K Rental Car Coverage?

• Travelers without personal auto insurance

• International tourists in the U.S.

• Business travelers who rent often

• Anyone wanting to avoid rental agency upsells

Having this protection avoids post-trip headaches and expensive surprise bills.

Why Choose Primary Insurance Over Credit Card Coverage

Credit cards often provide secondary rental coverage, which means your personal car insurance pays first in case of damage. This can increase your premiums and out-of-pocket costs. Primary insurance, like what Bonzah offers, covers damage directly without affecting your personal policy.

Additional Benefits to Look For

When comparing policies, look for:

• Roadside assistance

• Towing coverage

• Windshield and tire damage

• No deductible policies

These extras can be incredibly valuable during your trip.

FAQs

Does Bonzah really offer up to $35,000 in coverage?

Yes, Bonzah offers primary rental car damage coverage up to $35,000. It's accepted across the U.S. and many international locations.

Is $35,000 enough to cover most rental cars?

For standard vehicles, yes. This amount typically covers full replacement value for compact, midsize, and even some SUVs.

Can I use this coverage internationally?

Many providers offer international coverage, but always confirm the eligible countries listed in the policy.

Do I still need to buy the rental company’s CDW?

No. If your third-party coverage is primary (like Bonzah), you can decline the CDW at the counter.

Does my credit card insurance cover $35,000?

Some premium cards offer high limits, but most provide secondary coverage. Check your card's terms for exact limits.

Conclusion

Choosing the right rental car insurance is essential to protect your finances and your trip. Providers like Bonzah, RentalCover, and Allianz offer comprehensive plans that include up to $35,000 in damage coverage—a smart investment for peace of mind.

Don’t rely solely on rental desk upsells or limited credit card benefits. Get the full protection you need before you hit the road.