Does Chase Credit Cards Offer Rental Car Insurance?

When you’re planning a getaway and looking for the best rental car insurance, it can be hard to know where to turn. You want to ensure that your vehicle is covered in case of an accident but also don’t want to pay too much for the coverage.

Chase credit cards offer a great option for renters looking for cost-effective coverage. In this blog post, we’ll discuss whether Chase offers rental car insurance and what type of coverage you can expect from them. We’ll also provide tips on how to make sure you have the right coverage when renting a car. So if you’re thinking of using your Chase card for your upcoming vacation, read on to learn more!

How Much Does Rental Car Insurance Cost?

Rental car insurance can vary in cost depending on the company you rent from and the length of your rental period. However, Chase credit card holders are automatically covered by Chase’s rental car insurance policy at no additional cost. This policy provides coverage for damage to or theft of a rental car, as well as any third-party liability arising from the use of the rental car.

Chase Credit Cards That Offer Rental Car Insurance

Chase offers a number of credit cards that come with rental car insurance. This can be a valuable perk if you rent cars often, as it can save you money on insurance costs.

The Chase Sapphire Preferred Card is one option that comes with rental car insurance. This card has a $95 annual fee and offers 2x points on travel and dining purchases. It also comes with a number of other travel benefits, such as trip delay and cancellation protection.

Another option is the Chase Freedom Unlimited Card. This card has no annual fee and offers 1.5% cash back on all purchases. It also comes with some valuable perks, such as 0% APR for 15 months on balances transfers and purchases.

Other Ways to Get Rental Car Insurance

If you don’t have a Chase credit card, there are still several ways that you can get rental car insurance. One way is to purchase it from the rental car company. This is typically the most expensive option, but it can be the simplest and most convenient.

Another way to get rental car insurance is through your personal auto insurance policy. Most policies will provide some coverage for rentals, but it’s important to check with your insurer to make sure you’re properly covered. You may need to purchase an endorsement or separate policy to extend your coverage to a rental car.

Finally, you can also purchase standalone rental car insurance from a variety of different companies. This can be a good option if you don’t have personal auto insurance or if your coverage is insufficient. Just be sure to comparison shop and read the fine print before purchasing any policy.


In conclusion, Chase does offer rental car insurance for their credit cards, but it depends on the specific card that you choose. Make sure to read all of the fine print associated with your particular card and see if there are any restrictions or limitations regarding coverage.

Additionally, contact your personal auto insurance provider to ensure that you are fully covered while driving a rental vehicle. With these tips in mind and by doing some research into your own credit card policy, chances are high that you will be able to rent a car without worrying about being uninsured!