How Much Is Sixt Rental Car Insurance?

Last Updated on February 5, 2026

SIXT sells optional “protection” products you can add to a rental to reduce your financial risk if something goes wrong—damage to the car, a liability claim, an injury, or a roadside emergency.

If you’re not sure whether your current auto policy covers rental cars (or you want extra peace of mind), it’s smart to compare what you already have with what SIXT offers before you get to the counter.

Start With What You Already Have: Your personal auto policy and credit card benefits may already cover part of a rental—compare limits, deductibles, and exclusions before buying add-ons.
LDW/PDW Protect the Rental Car, Not Your Liability: Damage waivers help with damage/theft exposure on the rental vehicle, but they don’t replace bodily injury/property damage liability coverage.
SLI Can Be the Biggest Upgrade: If your liability limits are low, adding supplemental liability protection may provide the most meaningful protection in a serious claim.
Price Varies by Trip: SIXT protection is usually priced per day and depends on location and vehicle type—check the checkout screen and your rental agreement for the exact amounts.

Table Of Contents

SIXT Rental Car Protection Options
Do You Need SIXT Rental Car Insurance?
How Credit Card Coverage Fits In
A Closer Look at Key SIXT Coverages
How Much Does SIXT Rental Car Insurance Cost?
When Buying SIXT Coverage Usually Makes Sense
What To Do After an Accident in a Rental Car
Final Word
FAQs on Sixt Rental Car Insurance

SIXT Rental Car Protection Options

SIXT’s add-ons generally fall into a few buckets: damage waivers for the vehicle, liability protection for claims you cause, medical/accident benefits, and roadside help. Availability and exact terms can vary by pickup location and are governed by your rental agreement.

Option	What It Helps With	Who It’s Best For	Important Notes
Loss Damage Waiver (LDW)	Reduces your financial responsibility for accidental damage or loss of the rental car	Drivers who want to avoid using their own collision/comp coverage (or have a high deductible)	A waiver isn’t the same as insurance; exclusions apply and misuse can void it
Partial Damage Waiver (PDW)	Limits responsibility for the first $500 of damage (select states)	Drivers who want partial protection at a lower cost than full LDW	Not offered everywhere; check your rental location’s terms
Supplemental Liability Insurance (SLI)	Extra third-party liability limits (commonly up to $1M; some versions may be lower)	Drivers with low liability limits or those wanting extra cushion for lawsuits	Applies to bodily injury/property damage you cause to others
Personal Accident Coverage	Medical/accident benefits for occupants after a crash	Drivers without strong health/PIP/MedPay coverage	Often overlaps with health insurance or auto MedPay/PIP
Roadside Assistance Protection	Towing/lockouts/flat tire help and similar roadside events	Drivers without roadside coverage through auto insurance/AAA/manufacturer plans	Covered events and limits vary by agreement
Premium Protection	A bundle that typically includes SLI + Personal Accident Coverage + Roadside Assistance	Drivers who want one “all-in” add-on at the counter	Bundles reduce overlap decisions but still have exclusions

If you want a broader overview of how rental-car coverage works (and what terms like “waiver” actually mean), see our guide to rental car insurance basics.

Quick tip: Don’t decide at the counter under pressure. Pull up your auto policy declarations page (liability limits + collision/comp deductibles) and your credit card rental benefit terms before pickup.

Do You Need SIXT Rental Car Insurance?

Many U.S. drivers can skip some add-ons because their personal auto policy already extends to a rental car (typically up to the same limits and subject to the same deductibles). However, “already covered” doesn’t always mean “fully protected.”

Common Gaps To Watch For

High deductibles: If your collision deductible is $1,000–$2,000, paying out of pocket after a rental claim can sting.
Fees the rental company may charge: Depending on the situation and your policy, items like “loss of use,” towing, or administrative fees may not be fully reimbursed.
Low liability limits: State minimums are often far below the cost of a serious injury claim.
No personal auto policy: If you don’t own a car, you may need a non-owner policy or rental coverage to drive legally and protect yourself financially.

Because coverage details vary by insurer and state, it’s worth confirming with your carrier (and reviewing your declarations page) before you rent.

How Credit Card Coverage Fits In

Some credit cards include rental-car coverage, but it usually focuses on damage to the rental vehicle (collision/theft) and often acts as secondary coverage. That means your personal auto insurance pays first, and the card benefit may reimburse what’s left (like your deductible), depending on the card’s rules.

Credit-card benefits can be valuable, but they also commonly have exclusions (vehicle type, rental length, countries where coverage applies) and typically do not replace liability insurance. For a practical breakdown, see what credit cards cover for rental cars.

A Closer Look at Key SIXT Coverages

Below are the protection options renters ask about most often and how they typically work in real-world claims situations.

Liability Coverage and Supplemental Liability Insurance

Liability coverage pays for injuries and property damage you cause to others. If you already carry auto liability insurance, it often extends to a rental car in the U.S., but your limits may be lower than you think.

SIXT also offers Supplemental Liability Insurance (SLI) to increase third-party liability limits (SIXT describes versions that provide up to $1 million, and in some cases $300,000—availability depends on rental details). Always verify which SLI option is being offered in your quote and what’s included.

Loss Damage Waiver and Partial Damage Waiver

Loss Damage Waiver (LDW) reduces your financial responsibility if the rental car is damaged or stolen, as long as you follow the rental agreement terms. This is similar in spirit to a collision damage waiver (CDW) and is one of the most common add-ons renters buy. Learn the deeper mechanics in our guide to collision damage waivers.

SIXT also describes a Partial Damage Waiver (PDW) in select states that limits responsibility for the first $500 of damage. PDW availability is location-specific, so don’t assume it’s offered everywhere.

Personal Accident Coverage

Personal accident coverage can help pay for medical expenses for occupants after a crash. If you already have robust health insurance (and/or auto MedPay or PIP), you may not need it. If you’re unsure what typically pays first after an accident, see how car insurance handles medical bills.

Roadside Assistance Protection

Roadside protection can cover common “trip-stoppers” like lockouts, dead batteries, and towing (the covered list and limits depend on the rental agreement). If you already have roadside through your insurer, an auto club, or a vehicle warranty, you may be duplicating coverage. Here’s a refresher on roadside assistance coverage and what it typically includes.

Quick tip: If you want to rely on credit-card coverage for rental damage, many cards require you to pay for the rental with that card and decline the rental company’s damage waiver. Confirm the exact requirements in your card’s benefit guide.

How Much Does SIXT Rental Car Insurance Cost?

SIXT does not publish one universal price list for protection options. Pricing is typically charged per day and varies based on the pickup location, car class, rental length, and which options you select.

To see the exact cost for your trip, review the add-ons during online checkout and confirm what appears on your rental agreement at pickup. If you’re comparing options, focus on the deductible/financial responsibility, coverage limits, and exclusions—not just the daily price.

When Buying SIXT Coverage Usually Makes Sense

You don’t have personal auto insurance: You may need liability protection and damage protection to avoid major out-of-pocket exposure.
Your policy has no collision/comp: LDW can be a practical substitute for protecting the rental car.
Your deductibles are high: LDW/PDW can reduce the “surprise bill” risk after a claim.
Your liability limits are low: SLI can add meaningful protection in a severe injury claim.
You’re renting a higher-value car: You may be more comfortable avoiding a claim on your own policy (which could affect renewal pricing).

What To Do After an Accident in a Rental Car

Get everyone to safety and call emergency services if there are injuries or major damage.
Document the scene: photos/video of vehicles, license plates, damage, and the surrounding area.
Notify the rental company and follow the rental agreement’s reporting requirements.
Notify your insurer (and your credit card benefits administrator if applicable) quickly—benefits often have strict timelines and documentation requirements.
Keep all paperwork (police report number, incident report, repair invoices, demand letters, photos).

Final Word

SIXT’s protection options can be useful—especially if you don’t have a personal auto policy, have high deductibles, or want higher liability limits than your current policy provides. The right decision depends on what you already have (auto insurance, health insurance, and credit card benefits) and what financial risk you’re comfortable taking.

Insurance and waiver terms vary by state and by rental agreement. Always review your checkout screen and the rental jacket/terms for your pickup location.

FAQs on Sixt Rental Car Insurance

Is SIXT’s Loss Damage Waiver (LDW) the same as insurance?

Not exactly. LDW is typically a contractual waiver where the rental company agrees to waive or reduce what it could charge you for damage or loss of the vehicle—so long as you follow the rental agreement. It’s different from an auto insurance policy, and exclusions can apply.

Does my personal car insurance cover a SIXT rental?

Often, yes for U.S. rentals—your coverage may extend to a rental car up to your policy’s limits and subject to your deductibles. But rules vary by insurer and state, and some fees charged by rental companies may not be fully covered. Confirm with your carrier before pickup.

What does SIXT Supplemental Liability Insurance (SLI) cover?

SLI is designed to increase third-party liability protection for bodily injury or property damage you cause while driving the rental car. The available limit can vary (for example, some versions are marketed up to $1 million, while others may be lower), so verify what’s offered in your specific quote and agreement.

Is credit card rental coverage enough if I decline SIXT protection?

It depends on your card. Many cards cover damage/theft to the rental vehicle (often as secondary coverage) but usually do not replace liability insurance. Coverage can also exclude certain vehicles, countries, and longer rentals. Review your card’s benefit guide and follow its requirements (such as paying with the card and declining the rental company’s damage waiver, if required).

Can I add or remove protection options after I sign the rental agreement?

Typically, no. Many rental companies—including SIXT—treat protection selections as locked once the rental agreement is signed. Decide before you finalize paperwork at pickup.

What should I do if the SIXT rental car is damaged?

Notify local authorities if needed, document the scene (photos/video), and report the incident to SIXT as soon as possible. Then contact your auto insurer and/or your credit card benefits administrator promptly, because claim processes often require specific documentation and deadlines.

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