Car Insurance for Insurance for leased cars

Numbers refreshed November 4, 2026

Official and insurer sources set out the rules, discounts and programs that apply to insurance for leased cars.

What to know about car insurance for leased cars

If the vehicle is totaled or stolen and the balance you owe is more than its value, Gap (auto loan/lease) coverage clears the loan/lease balance. (Massachusetts Division of Insurance: Basics of auto insurance (mass.gov))
When you buy or lease, a dealer commonly offers GAP, and its price is included in the financing. (Consumer Financial Protection Bureau: What is GAP insurance?)
Ask a dealer who says GAP is required to point to the part of the contract that requires it. When GAP is optional, declining it is up to you. (Consumer Financial Protection Bureau: What is GAP insurance?)
With standard auto insurance, the payment stops at the car's value. What you still owe isn't covered by it. (Consumer Financial Protection Bureau: What is GAP insurance?)
In certain circumstances, servicemembers can end a vehicle lease early with no penalty (SCRA). (U.S. Department of Justice: Know Your Rights: Servicemembers Civil Relief Act)

The cost calculator gives a price based on your age, record and car for your state, and it needs no name or phone number.

First written November 4, 2026