Most types of temporary rental vehicles are covered by personal auto policies. Coverage generally extends to the U.S. UU. Recreational vehicles may require special coverage in your policy.
Moving vans and similar vehicles are often excluded from coverage. Puerto Rico requires insurance to rent a car. The daily insurance fee can significantly increase the cost of rent. Almost all credit cards offer car rental insurance, so check with your bank if you have car rental coverage and bring proof when you rent.
Renters are responsible for damage caused to third parties, so make sure that the coverage of your personal car policy or credit card extends to Puerto Rico. While it's technically possible to transport cars on a freight ferry to the neighboring islands of Culebra and Vieques, several travel websites warn that car rental companies generally prohibit it in their rental contracts. Car rental rates are also affected by factors such as the type of car chosen and add-ons, such as insurance. Ask the rental company if the advertised price includes the insurance fee when looking for a rental car.
If you're under 25 years old, there are still some car rental companies that allow you to rent a car if you're over 21. Car companies such as Enterprise and Avis have a presence in Puerto Rico, but it's also worth taking a look at some local chains, such as Charlie Car Rental and Target Rent-A-Car, to compare prices. If you have a credit card, they will most likely offer you rental car insurance without having to pay more. Visitors also need liability insurance and collision damage insurance; they can purchase these at car rental offices if they don't have any. If you don't rent a car and rely on Uber or taxis to get around, you can spend twice as much as renting a car.
It is mandatory to add mandatory liability insurance to the rental; it helps you cover any damage you may cause to other vehicles in the event of an accident. Collision damage insurance is optional, but consider it a requirement, as it covers damage or theft to your rental vehicle.