How Rental Car Insurance on Credit Cards Works

Hit the road with more peace of mind


It feels great to get the most out of your credit card, and that can include more than just rewards. If your card offers rental car insurance, you may want to think about relying on that coverage the next time you hit the road. You could save yourself the added cost of buying insurance through the rental company and get the important protection you need.

Collision Coverage

If the credit card you use to rent a car provides collision insurance, you may be covered in case a fender bender interrupts the family camping trip.

Theft Coverage

Does your credit card rental car insurance include theft coverage? If so, you can take that vacation to the big city and stress less about where you’ve parked.

Towing Coverage

Some credit cards include benefits that reimburse you for the cost of a tow truck after an accident or theft. That’s one less worry on a long weekend roadtrip with friends.

Of course, every credit card is different, and the car rental insurance they offer can be different too. Check your card terms to be sure. If you’re already a Capital One credit card holder, you can see coverage specific to your card using our benefits guide.


We hope that you found this helpful. Our content is not intended to provide legal, investment, or financial advice or to indicate the Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.