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Table of contents
Table of contents
Speak to any rental car company employee before renting a car, and you’ll surely be asked if you want to purchase extra insurance. But at $15 to $30 a day (typically), buying this additional coverage is like paying $5,000 to $11,000 a year to insure your car.
Thankfully, you may be able to receive similar coverage through your credit card. In fact, rental car coverage may be one of the most valuable benefits offered by some credit cards. However, it’s important to understand how this coverage works, and what its limitations are.
Whenever you rent a car, you should always have insurance that covers at least theft or damage. If you own a car, then your personal car insurance might cover you when you rent a car in the U.S. Nevertheless, you might not want to rely on your personal coverage, or you might need coverage when you rent outside of the country.
Many credit cards include a form of coverage called an auto collision damage waiver at no additional cost. When you pay for your rental car with your credit card and decline the optional insurance, this coverage can take the place of the expensive policies sold by rental car companies.
Rental car insurance is a benefit found on certain credit cards, usually higher-end travel cards. This benefit might be called something like “auto rental collision damage waiver” and typically provides reimbursement for damages caused by theft or collision of a rental car.
The best way to find out if your credit card includes rental car coverage is to call the number on the back of your card or read the most recent version of the card’s benefits guide.
Here are some of the best credit cards that provide rental car insurance:
It’s important to note that credit cards offer different types of rental car coverage, usually in the form of primary or secondary coverage.
Keep in mind that all of the rental car policies offered by credit cards generally only insure the car you’re renting against theft and damage. If you are responsible for damage to another vehicle, injure a person or cause any other property damage, then any rental car coverage provided by your credit card won’t cover these losses.
According to the J.D. Power 2024 North America Rental Car Satisfaction Study, National ranks the highest in overall customer satisfaction. Here’s how J.D. Power ranks the top 10 rental car companies:
Rental car company
Score (out of 1,000 points)
National
736
Enterprise
729
Sixt
708
Advantage Rent a Car
702
Alamo
701
Hertz
692
ACE Rent a Car
690
Payless
683
Avis
669
Fox Rent a Car
655
Rental car insurance is just one of many types of travel insurance perks that can be offered by your credit card. Other benefits may include trip delay insurance, trip cancellation and interruption coverage, lost luggage coverage and medical coverage.
Many credit cards also offer roadside assistance coverage. With this coverage, you can call to receive help when your car breaks down, but you’ll have to pay for any services received. However, some credit cards provide basic services (like lockout service or changing a flat tire) at no extra cost.
A credit card with rental car insurance can save you money while traveling, as it keeps you from having to buy a separate policy from your rental car provider. Every card has its own coverage policy, but generally covers damages caused by theft or collision of a covered rental vehicle. Be sure to read your card’s guide to benefits to understand the terms and conditions of your coverage, including coverage limits, any limitations to what types of vehicles or what locations are covered, whether the coverage is primary or secondary and how to file a claim.
You should always have rental car insurance, but there’s no need to pay extra for it if it’s included as a benefit of your credit card.
For more travel tips & tricks, check out Bankrate’s travel toolkit.
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Table of contents
What’s the difference between secured and unsecured credit cards?
How credit cards can help you deal with lost luggage
Can you rent a car with a debit card?
Best credit cards for rental car insurance
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