Compare Credit Cards' Rental Car Insurance Policies

The following is a compendium of insurance coverage plans offered by the major credit cards. Information provided by

Coverage varies

Visa and American Express provide rental auto insurance to all cardholders as a free benefit, though America Express offers a paid upgrade to a premium insurance program. Discover and MasterCard offer rental auto insurance only to cardholders at more elite levels, such as gold or platinum (in other words, those with better credit).

Most plans cover vehicles rented up to one month, and cover up to $50,000 of damage or loss (though American Express has plans that go higher). Be aware, however, that not all rental vehicles are covered. Commonly excluded vehicles are exotic cars, motorcycles, campers, mini buses, pickup trucks and cargo vans. Cars rented in certain countries are also excluded.

The accompanying chart outlines the basic auto rental insurance plans offered by the four payment networks. Details of auto rental insurance plans can change at any time and may differ slightly from issuer to issuer. Before you embark on a trip in a rental car, it is advisable to call your issuing bank (i.e., Chase or Capital One, not Visa or MasterCard) to gather the details on your individual plan.

Comment On This Story

Comment: (Max. 10000 characters)  
Please leave blank:
* Please note that every comment is moderated.


Newsletter: Sign up to receive latest news, articles, and much more.

Read the latest

Auto Focus Blog: A blog covering fleets, auto rental and the business of cars

Market Forces Driving Car Rental in 2018

An analysis of the conference calls of Avis Budget Group and Hertz Global Holdings reveal trends and initiatives involving fleet right sizing, pricing, ancillary revenue opportunities, and renting to ride-hailing drivers.

Trends Moving the Truck Market

Storylines that emerged from the 2018 Work Truck Show include the increasing need for on-site productivity, inclusion of active safety systems in trucks, DPF frustrations affecting product decisions, data management, and the growing link between fleet management and company revenue.

MIT Study Reinforces the Newfound Importance of Fleet

Uber and Lyft drivers make far less when factoring vehicle expenses, though the actual numbers are now in dispute. A proper lifecycle cost analysis would’ve helped, and shows the benefit of collaboration with fleet professionals.

Job Finder: Access Top Talent. Fill Key Positions.