Portugal Car Rental Insurance
In Portugal, the law requires that drivers carry unlimited third-party liability insurance, but it is automatically included in the price of all car rentals. This car rental insurance protects you from any liability resulting from property damage, death, or injury to others caused while you are operating your rental vehicle in Portugal. The cost of fire insurance is also included in your rental car rate.
If you’d prefer to opt for more extensive coverage while on vacation in Portugal, you can take advantage of our inclusive rates, which are available at a discount when purchased in advance of your trip. These car rental insurance rates provide a waiver for collision damage, and in most cases, they also cover the vehicle in case of theft.
Portugal Car Rental: Insurance Options Comparison
Optional Insurance Coverage
Avg. Insurance Cost at Counter*
Avg. Insurance Deductible at Counter*
Avg. Cost for Zero-Excess Insurance with Auto Europe*
Cost of Deductible with Zero-Excess from Auto Europe*
Collision Damage Waiver (CDW) + Theft Protection (TP)
$19 – $70 USD per day
$1,140 – $3,975 USD
$15 – $36 USD per day
*Auto Europe averages are based on CDW+TP insurance costs for a 3-day rental of an economy, compact, mid-size or full-size car class. The Portugal car rental insurance rates listed here are estimates and are subject to change without notice. For the most up-to-date pricing information we encourage you to request a free online quote via our booking engine or invite you to call Auto Europe toll-free at 1-888-223-5555 to speak with a Portugal car rental specialist.
Local car rental agencies in Portugal may offer supplemental insurance as well, which is designed to further reduce your deductible in case of collision or theft, but in nearly all cases Auto Europe’s Zero Deductible or Refundable Deductible Insurance options are significantly less expensive. Personal accident coverage runs approximately US$5 – US$8 per day, and may be purchased at the rental counter upon your arrival in the country.
Please be aware that all listed insurance rates are subject to change without notice.
Declining Rental Car Insurance in Portugal
As mentioned above, liability and fire coverage are mandatory, and are included with all car rentals in Portugal, but you are not required to opt for theft and collision insurance. However, if you are planning on taking advantage of the coverage offered by your credit card issuer, there are some restrictions that you may want to consider before doing so:
Credit card companies may exclude certain types of vehicles from their car rental insurance policies. Examples include exotic cars, camper vans, vehicles valued at US$50,000 or more, and off-road vehicles. They may also limit their coverage to rentals lasting less than thirty days long, and may not offer coverage for rentals that originate in certain countries. Credit card issuers will also require you to pay for the cost of repairs, and then submit documentation for reimbursement, and many will file a claim with your insurance company before reimbursing your deductible.
So, while you’re not required to purchase supplemental insurance policies when renting a car in Portugal, doing so is certainly worth considering.
More Information on Driving in Portugal