Do we need additional insurance coverage for rental car in athens?

First check with State Farm and ask if the " insurance" covers Greece. We have rented many a cars in Greece but always use one of the family owned local companies ( do a search for the handful of recommended) that include insurance in their quotes. I would never , nor have we, rented a car from a third party outfit like Expedia always preferring a local company. That said...the $14 a day seems like a small amount to pay for avoiding the hassle of having an accident and trying to negotiate the the insurance claim from a US company. Sometimes the cheapest approach is not the best for peace of mind.

Thank you, I see, I did not realize that State Farm did not necessarily cover rental car insurance abroad.

I agree that the $14 per day is a small price to pay, however, my impression of all things insurance is that they kick in only after the others have been exhausted.

Btw, do you have any recommendations for family-based car rental companies in Athens? I could write to them and see what their conditions and rates are. Expedia is offering a very good rate for manual transmission cars.

Depends on your policy. Some do; ours does.

Many also have coverage through their credit card; we do. Check that too.

Thank you. My wife has a Bank of America Power Rewards Signature Visa card which seems to have car rental insurance (that we used to rent a car in Spain, but in 2016). I am trying to figure out if it still provides rental car insurance, even though it appears that it does.

Why not try asking your insurance company, before asking us? (unless you already have, and have been answered by A-I robot).

I have State Farm auto insurance ............. Is this adequate for renting a car in Athens

Most Unlikely

Look at you policy and find the "Where you are covered" clause. I am 99,999999% certain it will say the USA and Canada. (and nowhere else)

Thank you, janet. Or as our education secretary says, A-1. That said that it was limited and depends on the policy. (I have the usual policy issued by State Farm Fire and Insurance Company, or whatever it is called now, and have had them for over two decades.) But the credit card gives me a way out so that is good.

My wife used to work for State Farm and we have a good friend who is our agent.
You are NOT COVERED! You are only covered in the United States and maybe Mexico and Canada. But I do know it doesn't cover you in Europe.
You can look at carrental.com which I used in Ireland a couple of years ago. It covers damage for the car but not liability or damage you caused to another vehicle or property.

I do know for a fact my American auto insurance does not provide coverage outside of North America.

My experience with Greek car rental companies is that their insurance has several exclusions (such as tires, wheels, windshield, underside of the car etc). I try to use a credit card that doesn't have those exclusions in its CDW and theft coverage for my car rentals. I have an Amex card and have enrolled in their Premium Car Rental protection insurance and, in fact, they covered the wheel damage claim in full once. But not all car rental companies accept Amex, so I tend to use another credit card when they don't.

Re. liability, the car rental companies in Greece typically include third party liability insurance as part of the rental price (around 1M euros or thereabouts). You should check with your car rental company if it does. My American company's liability insurance doesn't cover rentals outside of US/Canada (and Mexico perhaps).

Personally, I have never taken out supplementary insurance when renting a vehicle in Greece, but you can check the "Terms & Conditions" page on various car rental websites to see what their different insurance packages actually cover.

Here are two perfect examples from Greek rental companies (go to the insurance section):

https://avance.gr/car-rental-terms-conditions/

https://fresh-rent.com/athens-rent-a-car/rental-terms/

The excess amount can also vary depending on the rental company.
As Pam pointed out, there are usually exclusions—such as rims, tires, windows, the car's interior, etc.

With that in mind, you should check if you have an insurance policy that offers better coverage.