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Rental Car Insurance in Puerto Rico

rental car insurance in puerto rico

When booking rental car insurance in Puerto Rico, there are several things you must know. These include the types of coverage you need, documents to bring with you, and the cost. In this article, we’ll cover the basics of liability coverage, the cost, and how to get it. Hopefully, you’ll feel more prepared to drive on the island after reading this article. We’ve also included helpful links to find a good insurance policy in Puerto Rico.

Liability coverage

While there is no legal requirement to carry car insurance in Puerto Rico, it is always a good idea to have one. The laws governing car insurance in Puerto Rico require that renters have liability coverage to pay for damages caused by other drivers. Liability coverage can be obtained by purchasing a policy through a rental car agency or through a credit card. Liability coverage is also required for international visitors, and you can find rental car insurance from American Family on the island. In Puerto Rico, you can also get your rental car insurance through your State Farm policy.

Liability coverage for rental car insurance in Puerto Rican rental agencies differ from one another. While the National and Enterprise rates include these coverages, Hertz, Dollar, and Thrifty do not. Unless you have an additional policy from one of these companies, you will have to buy them separately. Liability coverage for rental car insurance in Puerto Rico is also different from state to state. Liability insurance in Puerto Rico has higher deductibles than auto insurance, so it’s always best to check what kind of coverage you have before you rent a car.

Aside from liability coverage, a rental company will also offer personal accident insurance (PAI) and UM/UIM protection. These types of plans will cover accidental death benefits, accident medical expenses, and ambulance expense costs, and give you peace of mind and a good value. Lastly, you should consider the Credit Card Protection Plan. It offers complementary coverage to credit card companies and provides coverage for accidental death and physical damage, but you can’t use it in Mexico.

When shopping for rental car insurance in Puerto Rico, you should also consider the level of coverage you need and whether or not you need collision or comprehensive coverage. While collision coverage may be enough to cover a small amount of damage, collision coverage can be an additional cost that may not be worth paying for. If you’re unsure, consult an independent insurance agent for more information. If you have questions about coverage, a rental car insurance agent can provide the necessary answers.

Documents to bring with you

A valid driver’s license is essential for renting a car in Puerto Rico. In addition, you’ll need to have a credit card or debit card with a Puerto Rico logo to rent a vehicle. To rent a car in Puerto Rico, you’ll also need liability insurance and collision damage insurance, which you can purchase at any car rental location. For more information, see our guide on what to bring with you when renting a car in Puerto Rico.

The age requirement to rent a car is 25 years old, but some companies will rent to those as young as 21. You can also purchase collision damage insurance, which covers the cost of repairing the rental vehicle. Finally, you’ll need compulsory liability insurance, which is required in Puerto Rico. This type of insurance is mandatory if you’re at fault in an accident. But you may opt to opt out of this type of insurance if you’re driving an expensive vehicle.

While renting a car in Puerto Rico, you should carefully inspect it for damage. Before renting a car, take pictures of any imperfections. To document the damages, you can use your smartphone. Similarly, big name car rental companies have locations throughout the island. While you can get a lower rate by going with a local company, remember to check out the license plate number before you leave.


You might be wondering what to expect when you rent a car in Puerto Rico. While your driver’s license will work in the island, international drivers must have an international driving license. Most credit cards cover rental car insurance. If you aren’t sure whether your credit card offers this coverage, you can check with your bank before renting a car. If you’re not sure, you can bring proof with you when you rent a car in Puerto Rico.

You can purchase additional coverage for your car in Puerto Rico, such as liability insurance. UC rates will include liability insurance for damages to other people’s property. Alternatively, you can purchase damage insurance from a rental car company, such as Hertz, Dollar, or Thrifty. The UC rates will cover you for these two types of insurance and often include deductibles. Keep in mind that deductibles may be quite high, so be aware of them before purchasing your rental insurance.

To rent a car in Puerto Rico, you must be 25 years old or older. Some companies will rent to a driver who is under twenty-one, but you should make sure that you’re at least 25 years old before you rent a car. You can also choose to buy collision damage insurance, which will cover any damage to the rental car in the event of an accident. Whether you decide to buy collision damage insurance or liability insurance depends on what you’re looking for.

The SLP is another type of coverage available in Puerto Rico. This type of insurance offers you minimum financial responsibility limits and excess insurance. Zurich American Insurance Company provides a combined single limit of $300,000 for accidents involving third parties. This type of insurance also responds to third-party accident claims and damage to the car, but does not cover losses in Mexico. The SLP is primary to other insurance coverage and is an important choice when renting a car in Puerto Rico.

Before renting a car, consider how much you want to spend for car insurance in Puerto Rico. Depending on your budget, you can find an inexpensive rental car for a cheaper price by visiting Discover Cars. This website also allows you to compare rates and reviews of various rental agencies. It’s also easy to get a car rental in Puerto Rico through an online site. You’ll also get information about the island as you go.

Getting it

There are many things to keep in mind when getting rental car insurance in Puerto Rico. First of all, you will need to be at least 25 years old. You will also need to have a valid driver’s license and a credit or debit card with a logo on it. Additionally, you will need to have collision and liability insurance. You can buy these insurance policies at the car rental locations. Once you have your insurance, you can begin driving in Puerto Rico.

When renting a car, always inspect the vehicle carefully before renting it. If you notice any damages, document them. Take photos with your smartphone. You should also get rental car insurance if your credit card does not cover it. A midsize car rental in Puerto Rico costs around $65 to $140 a day. The price may differ based on the time of year and the length of the rental. You should also check the price of add-ons like GPS, CD players, GPS navigation, and other amenities.

While Puerto Rico is part of the U.S., the currency is different. It uses the dollar and an electronic toll system called AutoExpreso, which is similar to E-Z Pass in the mainland U.S. Getting your own transponder will not be an option because some toll booths may not accept cash. You will need to pay a transponder fee if you drive through the island. Distance is measured in kilometers.

If you own auto insurance, you should get rental car insurance for Puerto Rico to protect yourself in case of an accident. Usually, the auto insurance policy will transfer to the rental car. However, some rental companies will offer optional coverage like collision damage insurance. You should choose the right coverage for your trip. And make sure you have enough money to pay for damages if any accidents do occur. This coverage can save you from a lot of hassle and stress.