Do you need your own auto insurance to rent a car?

Insurance when Renting a Car:

You only need non-owners insurance. It is relatively inexpensive and lasts for the term that you have the rental car. Most rental companies provide this type of insurance as part of the rental package.

The renters responsibly varies from state to state. The rental company will offer you a protection package which includes LDW/ALI/ PEP/PAI

LDW/CDW= waiver the cover the cost of only the rental car

ALI= covers 3rd party damages

PEP= covers personal belongings, stolen damage in vehicle

PAI= Personal accident Insurance covers medical bills, in and out of the car

These are not included in the rental fees. Each one is separate and you are charged a daily fee which varies and the state and the type of vehicle you are renting.

Also just a little side note, if you rent a car and drive out of state and get into an accident out of state, your responsibility changes to that state's law regardless of where you actually rented the car.