Hiring a car in the United States gives you flexibility to explore, but the rules differ sharply from the UK. Insurance, payment methods, and even how you buy fuel are handled differently. Here’s what British travellers need to know before collecting the keys.
No “excess” system like in the UK
In the UK, car hire includes an insurance “excess” that limits what you pay if there’s an accident. In the U.S., there’s no such middle ground. You either have full cover with zero liability, or you have no cover and full financial responsibility.
Most American rental companies sell a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). This isn’t technically insurance but a waiver that removes your liability for damage or theft, as long as you comply with the rental terms.
If you decline it, you’ll be personally responsible for any loss. Some UK credit cards or travel insurance policies cover CDW, but always confirm this in writing before you rely on it.
Booking directly vs. booking through UK comparison sites
If you book directly on a U.S. rental website such as Hertz or Enterprise, insurance options are often not included by default. You must manually select them during booking.
By contrast, if you book through UK-based brokers or comparison sites such as Expedia, Holiday Autos, or Rentalcars.com, the quote usually includes CDW and third-party liability insurance as standard. This can save you hundreds of dollars compared with adding them in person at the counter.
Still, always check what’s included in your confirmation email, as coverage levels can vary between suppliers and states.
You must have a physical licence and a credit card
- You’ll need to show your UK photocard driving licence. Paper licences are not accepted.
- Some U.S. states recommend carrying an International Driving Permit (IDP) in addition to your UK licence, especially if you’re visiting for more than a few weeks.
- You’ll also need a credit card in the main driver’s name. Most rental desks refuse debit cards or apply large deposits and restrictions if you use one.
Fuel rules are different
In the UK, you fill up first and pay after. In the U.S., it’s the opposite — you pay before you pump.
At most petrol (gas) stations, you prepay inside or at the pump using your credit card. Once you’ve paid, the pump activates.
When returning your hire car, bring it back with a full tank, or you’ll be charged a steep refuelling rate by the rental company.
Other practical tips for UK drivers
- Liability insurance is limited: U.S. state minimums can be very low. Add Supplemental Liability Insurance (SLI) for peace of mind.
- Under-25 surcharges: Drivers under 25 face higher fees or restrictions on vehicle class.
- Extra fees: Expect airport surcharges, local taxes, and sometimes “loss of use” fees if the car is damaged.
- Toll roads: Many states use cashless tolling. Ask about toll transponders or how to pay online later.
- Vehicle inspection: Photograph any scratches or dents before leaving the lot and make sure they’re logged by staff.
- Road rules: You can turn right on a red light in most U.S. states (unless a sign says otherwise). Keep to the right-hand lane except to overtake.
- Stay connected: Make sure you have data and calls on your mobile phone in the event your car breaks down and you need to call for roadside assistance. A USA eSIM/SIM is what you need from here.
Renting a car in the U.S. is simple once you understand the system. The key is to sort out your insurance and payment method before you arrive, and know what’s included in your booking. With that sorted, you can hit the road with confidence and see the country at your own pace.