If you’re asking “can you rent a car at 20,” you’ve likely already found the answer isn’t a simple yes. Finding a rental car at 20 can be challenging, but a handful of companies and locations may offer possibilities. This guide breaks down the exact policies, costs, and steps you need to navigate the process successfully.
We’ll cover the major rental companies, the unavoidable fees, and smart strategies to improve your chances of getting behind the wheel.
Can You Rent A Car At 20
The direct answer is yes, but with significant restrictions. In the United States, the standard minimum age to rent a car is 25. This is a policy set by most major rental companies to manage risk, as insurance data shows younger drivers are statistically more likely to be in accidents.
However, a few national companies do rent to drivers aged 20 to 24. This is often called a “young renter” or “underage driver” policy. It is never a secret or hidden option; if a company allows it, it will be listed clearly in their terms and conditions.
The critical factors are your location and your willingness to pay extra fees. Not all franchise locations of a permissive company will honor the corporate policy, so calling ahead is essential.
Major Rental Companies That Allow 20-Year-Old Renters
Only two major nationwide companies have a consistent corporate policy for 20-year-old drivers: Hertz and Enterprise (which includes its sister brand, National).
Even with them, the rules are strict.
- Hertz: Hertz rents to drivers aged 20-24 at most corporate-owned locations in the United States. You must have a valid driver’s license and a major credit card in your name. Debit cards are typically not accepted for young renters. A “Young Renter Fee” applies daily.
- Enterprise & National: Enterprise Holdings’ policy also permits renting to 20-24 year olds. Similar to Hertz, this is at corporate locations’ discretion. You will need a credit card and will be subject to a daily underage fee. Some vehicle classes, like premium luxury cars or large passenger vans, are often excluded.
Important Note: Budget, Avis, Dollar, and Thrifty generally maintain a minimum age of 25 in the U.S., with very few exceptions (like in New York State, where law mandates they rent to 18+). Always verify directly.
The Young Renter Fee Explained
This is the most significant cost factor. If you find a location that will rent to you, you will pay a daily “Young Renter Fee” on top of the base rental rate and taxes.
- This fee typically ranges from $15 to $35 per day.
- It is non-negotiable and is automatically applied.
- The fee is charged for every day of the rental period.
- This fee is in addition to any insurance or protection products you purchase.
When comparing prices online, remember this fee is often not included in the initial quote. You must proceed through the booking process or call to get the true total cost.
How To Calculate Your True Rental Cost
To avoid sticker shock, use this formula: Base Rate + Taxes & Surcharges + Young Renter Fee (Days Rented) + Optional Products = Total Cost. Always get a final quote in writing or via a reservation confirmation before you commit.
Essential Documentation You Will Need
Being prepared with the right paperwork is non-negotiable. Rental agents are strict with young drivers, and missing one document can mean a denied rental.
- A Valid Driver’s License: Must be issued by your state or country, and be readable. An expired or temporary permit will not be accepted.
- A Major Credit Card in Your Name: This is the biggest hurdle for many 20-year-olds. A debit card, prepaid card, or a credit card in a parent’s name is almost never sufficient for young renter transactions. The card must have enough available credit to cover the full estimated rental cost plus a large hold.
- Proof of Insurance (Optional but Recommended): If you have your own auto insurance policy, bring your card. The rental company will likely try to sell you their coverage, but your personal policy may already provide some protection.
Step-By-Step Process To Rent A Car At 20
Follow these steps carefully to maximize your chances of a smooth rental experience.
Step 1: Research And Identify Potential Locations
Don’t just search online and book blindly. Start by visiting the official websites of Hertz and Enterprise. Use their “location finder” or “help” sections to look for their official policy on young renters. Then, make a list of corporate-owned locations near you. Airport locations are more likely to follow corporate policy but are also busier.
Step 2: Call The Location Directly
This is the most important step. Find the phone number for the specific rental office (not the national 800 number). Politely ask:
- “Do you rent to 20-year-old drivers?”
- “What is the daily young renter fee?”
- “Are there any vehicle class restrictions for my age?”
- “What is the required deposit or credit card hold amount?”
- “Do you accept debit cards or only credit cards for young renters?”
Get the agent’s name and note the date of your call. Policies can change, but this gives you a reliable point of reference.
Step 3: Make Your Reservation
Once you have confirmed a location will rent to you, make a reservation. You can do this online, but it is safer to make the reservation over the phone with the same local agent. This ensures your age is noted in the reservation and prevents surprises at the counter. Ask for a confirmation email that includes all applicable fees.
Step 4: Prepare For Pick-Up
Arrive on time for your pickup with all your documents: license, credit card, and reservation confirmation. Be prepared for a thorough check of your credentials. The agent will explain the rental agreement, including the young renter fee and any damage waiver or insurance options. Listen carefully and ask questions if something is unclear.
Step 5: Vehicle Inspection And Return
Before you drive off, do a quick walk-around of the car with the agent. Note any existing scratches, dents, or interior stains on the rental agreement form. Take timestamped photos or a video with your phone for your records. Upon return, ensure you get a final receipt and that the charges match your quoted estimate.
Alternative Options If You Cannot Rent Traditionally
If you cannot meet the credit card requirement or find a willing rental company, consider these alternatives.
Peer-to-Peer Car Sharing Services
Services like Turo and Getaround can be more flexible. On Turo, the minimum age is 21 in most regions, but some car owners list their vehicles for 18+ or 20+. You must check each individual car listing’s requirements. Fees for young drivers still apply, but the process can be simpler. Always read the owner’s reviews and the insurance terms carefully.
Renting In New York State
New York is a unique exception. State law prohibits age discrimination for drivers 18 and over. This means all rental companies operating in New York must rent to 20-year-olds. Young renter fees still apply, and availability can be limited, but your options are much broader. This applies to rentals picked up within New York State.
Non-Traditional Rental Companies
Some local or regional rental companies, especially near college towns or military bases, may cater to younger drivers. These are often smaller, independent agencies. Research online for “rent a car near [Your College]” and call to inquire about their age policies. Be extra cautious and read reviews to ensure they are reputable.
Using A Debit Card Or Cash
This is extremely difficult for 20-year-olds. Most major companies require a credit card for young renters as a form of security. If you only have a debit card, your only hope is to find a local independent agency that allows it, and they will likely require extensive additional checks, like proof of round-trip travel, utility bills, and a much larger security deposit hold on your bank account.
Frequently Asked Questions (FAQ)
Can I Rent A Car At 20 With A Debit Card?
It is very unlikely with major companies like Hertz or Enterprise. Their policy for drivers under 25 almost universally requires a major credit card in the renter’s name. Some local agencies might allow it with additional hurdles, such as a credit check or extra documentation.
What Is The Cheapest Way To Rent A Car At 20?
The cheapest way is to rent from a company with the lowest young renter fee for the shortest period necessary. Also, decline the rental company’s extra insurance if you are covered by your personal auto policy or a credit card benefit. Always compare the final total cost, not just the base rate.
Can You Rent A Car At 20 In California?
Yes, but only through companies with a young renter policy, like Hertz or Enterprise at participating locations. California does not have a law mandating rentals to under-25 drivers, so the standard corporate policies apply. The young renter fees and credit card requirements will be in effect.
Are There Any Hidden Fees For Young Drivers?
The young renter fee is the primary added cost, but it is not hidden if you ask. Other potential costs include additional driver fees (for adding a friend), fuel service charges if you don’t return the car full, and toll pass fees. Always ask for a complete breakdown of all possible charges.
Can I Be Added As An Additional Driver If I’m 20?
Usually, no. If the primary renter is 25 or over, they can typically add an additional driver for a fee. However, if that additional driver is under 25, most companies will not allow it, or they will charge the young renter fee for that driver as well. The policies on this are very strict.
Renting a car at 20 requires patience, preparation, and a willingness to pay extra. The key is to start your search early, make phone calls to confirm policies, and ensure you have the required credit card. By understanding the rules and following the steps outlined, you can find a rental solution that gets you on the road. Remember to drive safely and responsibly, as any incident will be more complicated and costly for a young driver.