you don't NEED insurance, but if you don't get it make sure you're checking the car out with them in detail, in NATURAL light. note every single nick on your own records, and make sure they do it on theirs, because if you rent without their insurance a lot of places will try to scam you into repairing barely noticeable damage caused by other drivers, not to mention any damage caused while you're the renter but not in the car (hit in a parking lot, keyed, etc. Rental cars are a pretty common target for vandals as well) In short, while you don't need you OWN insurance, I advise paying the extra to get THEIR insurance.