Costa Rica is a paradise for travelers who love nature, adventure, and exploration. Renting a car gives you the freedom to visit remote beaches, cloud forests, volcanoes, and charming towns on your own schedule.

But before you book your rental car, it’s essential to understand the full picture — including hidden costs, insurance options, and driving tips — to avoid surprises and enjoy your trip safely.

Do you really need a 4×4 in Costa Rica?

While many main roads and highways in Costa Rica are paved, the country’s terrain varies greatly. Popular destinations such as Monteverde’s cloud forest, the Nicoya Peninsula’s surf beaches, and parts of the Caribbean coast often have unpaved, rocky, or steep roads.

A 4×4 vehicle provides extra clearance and traction, which is especially helpful during the rainy season (May to November), when roads can become slippery and muddy. Without a 4×4, you risk getting stuck or damaging the vehicle, potentially ruining your trip and costing you money.

If your itinerary includes mostly cities and well-maintained roads (like San José, Liberia, and the Central Valley), a regular car may suffice. But for adventure routes and off-the-beaten-path spots, a 4×4 is highly recommended.

Understanding insurance options and what’s truly covered

Insurance in Costa Rica’s car rental market can be confusing.

Basic insurance is often included but is minimal, covering only third-party liability, meaning if you damage someone else’s property or injure someone, you’re covered. However, this usually excludes damage to your rental car or theft.

Most rental companies push additional insurance packages:

  • Collision Damage Waiver (CDW): This reduces or eliminates your financial responsibility for damage to the rental vehicle, but often comes with a deductible.
  • Theft Protection: Covers the car if it’s stolen.
  • Supplemental Liability Insurance: Provides coverage for injury or damage to third parties beyond the basic limits.
  • Personal Accident Insurance: Covers medical expenses for you and passengers.

Make sure to ask exactly what each insurance covers and the deductible amount. Some credit cards offer rental car insurance when you pay with the card — check your card’s terms before buying extra insurance.

Common rental scams and how to avoid them

Unfortunately, Costa Rica has a reputation for hidden fees and rental scams. Here are common pitfalls:

  • Airport surcharge: Picking up the car at the airport often adds 15–30% to your bill. Sometimes it’s unavoidable, but if you can arrange pickup outside the airport, it can save money.
  • Extra driver fees: If you have multiple drivers, expect additional fees. Sometimes, adding a driver at the rental desk is more expensive than online pre-registration.
  • Young driver surcharge: Drivers under 25 may be charged higher rates.
  • Fuel charges: If you don’t return the car with a full tank, the rental company may charge a premium to refill it.
  • Damage disputes: Some companies try to charge for damages that were already there. Always take detailed photos and videos before driving off.

Pro tip:

  • Read reviews on platforms like TripAdvisor or Trustpilot for the rental company you choose.
  • Avoid companies with many complaints about hidden charges.

Fuel, tolls, and additional travel costs

Gas stations in Costa Rica are usually found in towns and cities, but not on remote highways. Fuel prices are higher than in many countries, so budget accordingly. It’s a good idea to fill up before heading to less populated areas.

Costa Rica has toll roads (“peajes”), mainly around San José and on some highways to the coast. Toll fees vary but generally cost $1–$3 per toll. Bring cash (preferably small bills) as many tolls don’t accept cards.

Some rentals have policies requiring you to return the car with a full tank; others offer pre-paid fuel options. Confirm this in advance to avoid unexpected charges.

Tips for driving in Costa Rica’s rainy season

The rainy season runs from May through November, bringing heavy afternoon downpours and often foggy conditions. Here’s how to stay safe:

  • Drive slowly and carefully; wet roads reduce traction.
  • Use headlights during rain and fog, even during the day.
  • Avoid driving at night in rural or mountainous areas, as visibility is poor and road conditions are less predictable.
  • Watch for flooded roads and avoid crossing deep water.
  • Keep a safe distance from other vehicles to allow longer stopping distances.
  • Always check local weather reports before long drives, especially in remote areas.

Booking tips and trusted rental companies

Booking early, especially during high season (December–April), will save you money and guarantee availability. Use comparison websites like Kayak, Rentalcars.com, or DiscoverCars to compare prices and policies.

Well-reviewed local companies include Adobe Rent a Car (a local favorite with transparent pricing), National, and Alamo. Check the terms carefully, including mileage limits, pick-up/drop-off locations, and whether roadside assistance is included.

Extras and equipment to consider

Rental companies often offer add-ons like GPS devices, child seats, or Wi-Fi routers. If you plan to drive to remote places, GPS can be helpful, but many travelers now use offline maps on their smartphones.

If traveling with children, make sure to request an appropriate car seat — Costa Rica has strict child safety laws.

Conclusion

Renting a car in Costa Rica opens up endless possibilities for adventure and discovery.

Understanding the true costs, insurance options, and local driving conditions will help you avoid problems and enjoy your journey. Take your time planning, book from trusted providers, and drive safely to make your trip unforgettable.

Ready to book your rental car? Check the latest deals and trusted providers and start your Costa Rica adventure with confidence!