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The biggest surprise at a Malta car rental desk is not the price, but it is the insurance upsell. The agent will walk you through every possible damage scenario, make you feel responsible for thousands of euros in potential damage, and then offer their own policy at two or three times the market rate.

Written by Laura Jasenaite, Malta travel expert with 15+ years living on the islands.
Buy your insurance online before you go and you can simply say no.
I have lived in Malta since 2011. I use Discover Cars for every rental I do abroad, and this is what I would tell a friend before their trip.
Do you need to rent a car in Malta?
You need a car in Malta if you are staying for more than a few days and want to explore beyond the main towns. If you are based in Sliema, St Julian’s, Valletta or Gzira, you can manage without one. Taxis and buses connect the main sights well from those areas, and parking in all of them is genuinely difficult.
The case for renting changes once you want to go further. Some of the best hiking trails in Malta have no bus connection. The beaches worth the extra effort are rarely the ones you reach by bus. If you are planning to spend time on Gozo, a car makes an enormous difference. The ferry takes vehicles, and Gozo’s buses are limited enough that a car is the practical choice once you are there.
How to book a Malta car rental (and what I use)
I use Discover Cars for every rental I do, not just in Malta. They compare prices across both big-name brands and smaller local companies, which means you almost always get a better rate than booking directly. They also show you customer reviews alongside prices, which makes it easier to avoid the suppliers that look cheap but cause problems.
To book, go to the Discover Cars website, enter your travel dates, and choose the airport as your pick-up location. Malta Airport is consistently cheaper and easier than picking up in town. Rental companies station their vehicles there, and town pick-ups often involve a delivery charge. One practical tip: prioritise reviews over price, and avoid suppliers rated below 7 out of 10. Paying a bit more for a well-reviewed company is almost always worth it.
Malta car rental insurance: skip the desk upsell
The most important thing to know about Malta car rental insurance is to buy it online before you go, not at the desk when you pick up the car.
When you collect the car, the agent will go through every possible damage scenario and offer the rental company’s own coverage. It can cost €40–60 per day and is designed to feel urgent. Most visitors pay it without realising they had a better option already available.
The better approach is Full Coverage booked through Discover Cars when you make your reservation. It typically costs €8–15 per day, depending on the car type and rental duration, and covers damage up to approximately €3,000–€3,300, including scratches, lost keys, and more. When the agent at the desk asks, you tell them you already have your own insurance. I have done this many times and they just move on.
A deposit of €600–€1,500 will still be blocked on your credit card at pick-up. This is standard across rental companies in Malta and is returned when you give the car back undamaged. If something does happen and you have the Discover Cars coverage, you submit a claim through your booking confirmation login and are refunded within 48 hours. Discover Cars is consistently well-rated on major review platforms for handling claims. I have never had to claim, but I always take the coverage.
This is based on my own experience. Every rental is slightly different. If you have specific questions about coverage, Discover Cars has a customer service team you can contact directly before you book.

Malta Car Rental: Frequently Asked Questions

Renting a car in Malta is straightforward once you have sorted the insurance. Book it online in advance through Discover Cars, say no at the desk, and you will not have any surprises.