Finland – Car Rental

What are the rules and requirements for renting a car in Finland?

Most rental companies in Finland set the minimum driver age at 20, though this threshold differs across suppliers and vehicle classes. For luxury or high-performance cars, a higher minimum age often applies. Depending on the company, the cutoff may be as low as 19 or as high as 21, so it is always worth confirming the age policy directly with your chosen provider before you make a booking.

Drivers who are younger than 25 may be charged a young driver surcharge. The amount of this fee differs considerably between operators, so it is advisable to compare quotes carefully and read the full terms and conditions before confirming your reservation, as of 2025.

A valid driving licence held for a minimum of one year is required. Non-Finnish nationals may use their home country licence provided it is issued in English or comes with an authorised English translation. If your licence is printed in another language, carrying an International Driving Permit (IDP) is strongly recommended.

When collecting your rental vehicle, you will typically need to present: a valid driving licence, a passport or national identity card, and a credit card registered in the renter’s name. Rental companies use the credit card to hold a security deposit, so ensure your available credit is sufficient to cover both the deposit amount and the total rental cost.

Finnish road law requires that dipped headlights be used at all times, regardless of daylight or season. Seat belts must be worn by all occupants, and using a handheld mobile phone while driving is prohibited. Children under three years of age must be secured in an approved child seat, or in a seat belt if no child seat is available.

Drink-driving laws in Finland are among the strictest in Europe, with permitted blood alcohol levels well below those in many other countries. Traffic fines are calculated on the basis of the offender’s income, meaning even a minor infraction can result in a substantial penalty. Observing posted speed limits at all times is essential.

Between the start of December and the end of February, winter tyres are a legal obligation due to the hazardous icy road conditions that frequently prevail. Rental vehicles are fitted with winter tyres as standard during this period, but if you are collecting a car near the seasonal boundary, always confirm the tyre specification with your supplier. The Finnish Transport and Communications Agency (Traficom) publishes up-to-date legal requirements for road users.

Which major car rental companies operate in Finland, and where can I find them?

Helsinki-Vantaa Airport is Finland’s primary international hub and the most convenient location to pick up a rental car for those arriving by air. Avis, Budget, Europcar, Hertz, and Sixt all maintain desks in the arrivals hall, making collection quick and straightforward on arrival.

The broader market includes Alamo, Avis, Budget, Enterprise, Europcar, Hertz, National, Sixt, and Finn-Rent, among others. Most of these operators have branches at the major airports and in city centres, so whether you arrive by plane or by train, collecting your vehicle should present few difficulties.

Here is a summary of the key international operators and their websites:

Founded in 1988, Finn-Rent operates more than 50 locations throughout Finland and provides a broad selection of vehicles ranging from compact cars to vans and minibuses. All vehicles are equipped with seasonal features such as winter tyres, and the company offers flexible collection and return arrangements. It represents a solid domestic alternative to the multinational chains.

Scandia Rent is another well-established local operator, with over 100 branches nationwide. Dating back to the 1940s and still family-owned, it offers a varied fleet and flexible terms, including short-term hire and long-term leasing arrangements of up to three years.

Pick-up locations span the length of the country, from Helsinki-Vantaa Airport (HEL) on the southern coast to Kittilä Airport (KTT) deep in the Arctic Circle. Travellers heading to Lapland will also find rental desks from several major operators in Rovaniemi.

How does car rental pricing work in Finland, and what should I watch out for?

A standard rental vehicle in Finland typically costs between €30 and €50 per day as of 2025. Prices vary according to location, vehicle class, and how early you book. Picking up at an airport, for instance, often attracts a premium over city-centre collection points.

To keep costs down, try booking well ahead and consider travelling during quieter months such as May, when demand is lower. Rates climb sharply during peak periods including December and midsummer. Regardless of season, early booking almost always delivers more competitive pricing.

If you are not comfortable driving a manual transmission, be sure to filter for automatic vehicles when searching online. Expect to pay roughly 25% more for an automatic than an equivalent manual. Manual vehicles are more prevalent in the Finnish rental market than in some other countries, so it pays to specify your preference early.

Even when a Collision Damage Waiver (CDW) is included or purchased, most rental companies in Finland retain a deductible — frequently between €500 and €2,000 — leaving you personally liable for a portion of any repair costs. To eliminate this exposure, you can purchase Super CDW (SCDW) or an excess reduction policy. In contrast to the US market, where zero-excess waivers are often prominently advertised, Finnish operators tend to present these upgrades as optional add-ons at the collection desk.

Taking the rental car across an international border will incur a cross-border fee. All intended countries of travel must be declared at the time of booking. Failing to notify the rental company of a cross-border journey in advance may void your insurance cover entirely, so always disclose your full travel plans before departure.

One-way rentals within Finland are generally available, though a surcharge may apply. Cross-border one-way returns attract additional fees, and certain vehicles are not eligible for one-way hire. If you intend to pick up in one location and return in another, clarify the exact one-way fee at the time of booking rather than assuming it is included in the quoted price.

Fuel policies can vary, but the most common arrangement in Finland is full-to-full: the car is provided with a full tank and must be returned the same way. Returning with less fuel will result in a refuelling charge, typically at a rate above standard forecourt prices. For advice on rental disputes or charges you consider unfair, the Finnish Competition and Consumer Authority (KKV) provides consumer protection guidance applicable to rental agreements.

Do I need an International Driving Permit (IDP) to rent a car in Finland?

A driving licence issued by an EU or EEA member state is fully valid for driving in Finland throughout the period of the licence’s validity. Holders of such licences have no need for an IDP — the licence is recognised as-is under both Finnish legislation and by rental companies operating in Finland.

Finland, along with approximately 110 other countries, is a signatory to the Geneva and Vienna Conventions on Road Traffic. Visitors to Finland may drive on a valid licence issued by any of these Contracting States, as well as by Hong Kong, Macao, or Taiwan.

When stopped by the police in the course of traffic enforcement, you may be required to present your national driving licence together with an IDP or an official translation into Finnish, Swedish, or English. An IDP or translation is not required if your national licence clearly shows the licence categories and expiry date in a legible format.

Non-Finnish nationals may drive on their home licence if it is issued in English or accompanied by a certified English translation. An IDP is the recommended solution when the licence is in any other language. In practical terms, most rental companies will accept a certified translation alongside the original licence, but an IDP is internationally recognised and removes any risk of ambiguity at the collection desk.

Licences issued by countries not recognised by Finland are not valid for driving in Finland and do not confer any entitlement to drive. If you are uncertain whether your issuing country is recognised, check directly with Traficom’s official guidance or enquire with your rental company before you travel.

Always verify the current requirements for IDP and licence acceptance with Traficom and your chosen rental operator prior to your trip, as regulations can change and individual companies may impose their own conditions on top of the legal minimum, as of 2025.

What types of roads and driving conditions should I be prepared for in Finland?

Road infrastructure in Finland is of a high standard overall, particularly in urban centres and along the main arterial routes. With a relatively small and dispersed population, the country’s quieter rural roads offer a pleasant driving experience. In many areas, roads wind their way around the countless lakes that dot the landscape, forming natural detours that add character to any journey. The further north you venture, the more the road network thins out.

In rural Lapland, roads can be narrower and subject to snow or ice from October through to April. The spring thaw often causes surface deterioration, and temporary speed restrictions may be introduced during this period. Gravel roads are common in remote districts and can become treacherous when wet. Anyone planning to drive into isolated northern areas is strongly advised to hire an SUV or four-wheel-drive vehicle.

Speed limits are set at 50 km/h within built-up areas, between 80–100 km/h on rural roads, and 100 km/h on motorways, rising to 120 km/h during summer. Speed cameras are deployed extensively throughout the country, so adhering to posted limits at all times is essential.

Unlike in North America, turning right at a red traffic light is not permitted in Finland. Drivers are legally obliged to yield to pedestrians at marked crossings, and this rule is rigorously enforced. Finnish law also prohibits leaving a vehicle’s engine idling for more than two minutes — or four minutes in extreme cold.

Wildlife poses a genuine hazard on Finnish roads, particularly at dawn and dusk. Moose and reindeer are a common sight on rural roads and in the north, and a collision with one of these large animals carries serious safety consequences. Such incidents must be reported to the police.

Finland has no standard toll road network, so motorways and main roads may be used without charge. A small number of specific bridges or tunnels may levy a fee, but these are exceptions. This absence of widespread tolls makes budgeting for road travel in Finland considerably simpler than in many other European countries.

Parking in city centres can be both competitive and subject to charges. Always look for clearly marked bays and familiarise yourself with the rules indicated on local signage. In rural settings, parking is generally more relaxed and frequently free.

What insurance do I need when renting a car in Finland?

Third-party liability insurance is compulsory under Finnish law and is included in every rental as standard. This coverage provides unlimited protection for claims arising from injury or damage caused to third parties — people or property outside the rental vehicle itself. This requirement is consistent with EU-wide insurance obligations.

While basic third-party liability is always included, it does not extend to damage sustained by the rental car itself. For this reason, many renters choose to add Collision Damage Waiver (CDW) or Theft Protection to their policy.

Even with CDW in place, most Finnish rental companies retain a deductible of between €500 and €2,000 (as of 2025), meaning the renter remains personally liable for a portion of any repair bill. Purchasing Super CDW (SCDW) or an excess reduction policy eliminates or significantly reduces this exposure. Personal Accident Insurance (PAI) is also offered by some operators at the collection desk.

The main insurance products typically available at the rental counter in Finland are:

• Third-Party Liability (TPL): Legally required and always included. Provides cover for injury or property damage caused to others.
• Collision Damage Waiver (CDW): Limits your financial liability for damage to the rental vehicle itself, although a deductible usually remains applicable.
• Theft Protection (TP): Covers the cost of the vehicle in the event of theft, typically subject to a deductible.
• Super CDW / Excess Reduction: Reduces or removes the deductible associated with CDW and theft cover.
• Personal Accident Insurance (PAI): Covers medical expenses for the driver and any passengers in the event of an accident.

Some international visitors choose to rely on credit card rental insurance instead of purchasing cover from the rental company. This can be a cost-effective approach, but terms vary considerably — many cards exclude rentals above a certain value or duration, and you must often decline the rental company’s CDW for the card’s policy to activate. Always review your card’s terms thoroughly and confirm coverage with your card issuer before waiving the rental company’s insurance products.

Be aware that winter-specific damage — for example, skidding on black ice or leaving a forest track — may be treated differently under some policies. Read all exclusions carefully, and when in doubt, select the most comprehensive level of cover on offer.

Are there any specific rules for expats or long-term residents renting cars in Finland?

For short-term visitors, the rental requirements described throughout this guide apply in full. The principal additional consideration for longer-stay residents and expats concerns how Finnish law treats a foreign driving licence once permanent residency has been established — and what implications this has for renting a vehicle.

A licence issued in an EU or EEA member state remains valid for driving in Finland throughout its period of validity. Holders of such licences who relocate to Finland are not required to exchange their licence simply on account of the move. When the licence approaches its expiry date, it must be renewed or replaced.

Holders of a licence issued in a Contracting State to the Geneva or Vienna Conventions may continue driving in Finland for two years following their permanent move to the country. If you wish to keep driving beyond this two-year window, it is important to begin the exchange process well in advance, as it typically takes around three to four months to complete.

If your licence was issued by another country recognised by Finland — but not an EU/EEA or Contracting State — you may drive in Finland as a visitor without a time limit, and for one year from the date you are entered into the population register, including with a temporary address registration.

Drivers whose licence was not issued by an EU, EEA, or Contracting State country will need to apply for a driving licence permit, demonstrate that they meet the applicable conditions, and pass both a theory test and a practical driving examination in order to obtain a Finnish driving licence. The Finnish Transport and Communications Agency, Traficom, oversees the licensing process.

All applications for licence exchange are handled by Ajovarma Oy on behalf of Traficom. Applications can be submitted via Ajovarma’s website. For current rules and processing times, consult Traficom’s official driving licence pages, as requirements are subject to change.

Long-term residents whose foreign licence remains legally valid in Finland should encounter no obstacles when renting a car. However, if your licence is approaching the end of its permitted validity under Finnish rules, some rental operators may raise questions. Carrying an IDP or a Finnish-language translation alongside your foreign licence is a practical way to pre-empt any difficulties at the counter.

How do I rent a car in Finland step by step?

1. Check your licence eligibility: Confirm that your driving licence is valid for use in Finland. EU/EEA licences are automatically accepted; licences from other countries may require an IDP or official translation. If in doubt, consult Traficom before you travel.
2. Choose a vehicle suited to the season: In winter, a car fitted with winter tyres and equipped with four-wheel drive is advisable for dealing with snowy and icy roads. In summer, a standard compact car is adequate for the majority of routes.
3. Compare rental companies and book in advance: Use price comparison platforms or visit operator websites directly. Reserving early generally secures a better rate. Confirm upfront whether you need an automatic transmission, as this option carries a higher cost.
4. Review the insurance options: Before arriving at the collection desk, decide whether you will rely on your credit card’s rental coverage or buy CDW or SCDW directly from the rental company. Review your card’s policy terms carefully in advance.
5. Gather your documents: Bring your valid driving licence, a passport or national identity card, and a credit card in the renter’s name. If your licence is not in Latin script, also bring your IDP or an official translation.
6. Inspect the vehicle at pick-up: Before driving away, examine the car thoroughly for any pre-existing damage. Photograph everything and ensure all damage is recorded on the rental agreement before you accept the vehicle.
7. Drive according to Finnish road rules: Keep headlights on at all times, observe all speed limits, do not turn right at a red light, and yield to pedestrians at marked crossings.
8. Return the car correctly: On return, inspect the vehicle again for any new damage and remove all personal items. Have the rental company check in the car while you are present and obtain written confirmation that no new damage has been identified. This is the most important step for securing the return of your deposit.

Frequently asked questions about renting a car in Finland

What is the minimum age to rent a car in Finland?

For most vehicle categories, the minimum age to hire a car in Finland is 20 years old. However, the exact threshold varies between rental companies and can also depend on the type of vehicle. Some suppliers allow rentals from age 19, while others require the driver to be at least 21. Always check the specific age policy of your chosen operator before booking. Drivers aged under 25 may also be subject to a young driver surcharge, as of 2025.

Can I drive a Finnish rental car into Sweden or Norway?

Travel into Norway and Sweden is generally permitted, but a cross-border fee will apply, and all intended countries must be declared at the time of booking. Due to insurance restrictions, taking a Finnish rental car to Russia, Estonia, or certain other eastern European countries is generally not permitted. Always disclose your complete travel itinerary when making your reservation.

What happens if I have an accident in a Finnish rental car?

Your first priority should be ensuring the safety of everyone involved, and emergency services should be contacted if required — the Finnish emergency number is 112. Notify the rental company as promptly as possible and follow their procedures for documenting the incident and handling any insurance claims. If another vehicle is involved, exchange contact and insurance details with the other driver and take photographs of the scene.

Do I need to return the car with the same amount of fuel?

The majority of Finnish rental companies apply a full-to-full fuel policy, whereby you receive the car with a full tank and are expected to return it in the same condition. Returning the car with less fuel will result in a refuelling charge, which is typically levied at a rate above standard pump prices. Some operators offer a prepaid fuel option, but this is generally only worthwhile if you are confident you will not be returning the car with a full tank. Review the fuel policy carefully at the time of collection.

Are there toll roads in Finland?

Finland does not operate a standard toll road network, meaning motorways and main highways can be used free of charge. A limited number of specific bridges or tunnels may carry a fee, but these are the exception rather than the rule. This makes Finland considerably easier to budget for than countries such as France or Italy, where motorway tolls can significantly increase travel costs.

Is an automatic car easy to find in Finland?

Automatic vehicles are available from most major rental companies in Finland, but manual transmission cars are more common in the fleet. You should specify your preference when booking online, and be prepared to pay approximately 25% more for an automatic. Availability can be restricted, particularly in smaller cities and during busy periods, so advance booking is strongly recommended.

When do rental cars need to have winter tyres in Finland?

Winter tyres are legally required from the start of December to the end of February, when icy road conditions are most prevalent. In practice, rental companies across Finland tend to fit winter tyres from November onwards, as deteriorating conditions in the north can arrive well before the statutory deadline. If you are collecting a vehicle during October or November, confirm the tyre specification with your supplier in advance.

How long can I drive in Finland on a foreign licence as a new resident?

EU or EEA licence holders may drive in Finland throughout the full validity period of their licence. Those holding a licence from a Contracting State under the Geneva or Vienna Conventions may drive in Finland for two years following their permanent move to the country. Holders of a licence from another country recognised by Finland may drive for one year from the date they are entered into the Finnish population register. For authoritative and up-to-date guidance, refer to Traficom’s official guidance, as of 2025.