Quick Summary
- In NYC, inclusive rates usually bundle collision damage waiver and higher liability.
- The big airport brands often sell both bare and inclusive plans on different classes.
- Hola Car Rentals highlights inclusions clearly and offers an All-Inclusive+ option with maximum coverage.
Insurance in New York can feel complicated, especially if you are landing at JFK and heading straight into Queens or Manhattan. To simplify things, start with New York car hire that states what is included on the quote, then compare the same coverage level across brands and classes.
Who tends to bundle insurance in NYC
Major providers at the airports sell both basic and insurance inclusive plans. Think Alamo, Avis, Budget, Dollar, Enterprise, Hertz, National, Payless and Thrifty. Inclusive pricing often appears on compact to full size cars and SUVs, with collision damage waiver and supplemental liability already baked in. The key is to match comparable plans when you compare rates.
For a sense of pricing and inclusions at JFK, try Enterprise at JFK rates on your dates. If Newark works better for your arrival, consider Budget at Newark for city breaks starting in New Jersey, and if you need more space look at SUV options from JFK for winter trips or family luggage.
What “insurance included” usually means
In practice, an inclusive NYC plan commonly bundles CDW or LDW to cover damage or theft, plus higher third party liability than the state minimum. Personal accident and effects may appear on premium packages. The exact amounts vary by supplier, so focus on the coverage limits rather than labels and make sure the excess fits your comfort level.
How Hola Car Rentals helps
With Hola Car Rentals you can pick the All-Inclusive+ rate with maximum coverage, then compare cars from multiple brands on one screen. You also get Free Cancellation up to 48 hours before pick up, so if you find a sharper inclusive rate later you can switch without stress.
NYC insurance resources
For a local view, our New York rental insurance guide explains the city specifics in plain English, while our national overview breaks down cover types and limits for visitors.
FAQs
Is liability insurance mandatory in NYC
Yes. The legal minimum applies, but inclusive plans normally raise the limit for better protection.
Do I still need a credit card hold with an inclusive plan
Usually yes. The hold amount depends on supplier and coverage level. It is shown before you confirm.
Does my travel card cover CDW in New York
Many premium cards do, but terms vary. If you prefer a simpler experience, choose an inclusive plan and rely on the supplier’s cover instead.
Book with confidence and keep it simple by choosing the cover you want upfront with Hola Car Rentals.
