Is it possible to insure rental cars with a credit card?

It is possible to get rental car insurance with a credit card or through your credit card company. Before you purchase a separate rental car insurance policy, see if you qualify for rental car insurance with your credit card company. Then compare rates with our free tool below to see if you're getting the best price.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 26, 2021

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There are several ways that you can secure rental car insurance with a credit card. The easiest way to get rental car insurance is to pay for your vehicle rental as well as your rental insurance with the same credit card. Another way to get rental car insurance is directly through your credit card company, but you will need to check with the issuer to see if this is possible. Since rental car companies readily accept credit cards as a standard form of payment, you should not encounter any issues getting rental car insurance.

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The Ohio Department of Insurance urges consumers that are renting cars to read over their rental agreements closely in order to see what types of damages they would be held liable for. Some rental car companies give consumers the option of being held harmless for certain types of damages while others will not rent vehicles unless the customer purchases a comprehensive policy. It is important that you buy the right amount of rental car insurance so that you do not needlessly put yourself at risk.

Do you need to purchase rental vehicle insurance?

Although rental car insurance is often required before consumers are allowed to rent a car, you don’t always need to purchase a separate policy. Your existing car insurance policy may be able to be extended or transferred over to your rental car. This is not a fact that rental car companies like to tell customers because it is not profitable for them. The Insurance Information Institute details what types of questions drivers should ask about car rental insurance when they go to rent a car.

You may need to purchase a rental car policy if you have a restricted driver’s license, or if you are under the age of 25.

Anyone that is considered to be a higher insurance risk will need to purchase rental car insurance, even if a personal car insurance policy is in effect. Ultimately, you will need to comply with whatever rules the particular car rental company you are working with has set forth. Car rental insurance is an optional service that is offered by nearly every car rental company in the U.S.

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Can you get rental car insurance quotes?

Since most car rentals only last for a short period of time, most consumers don’t have any idea of how much money they are really paying. You can shop for car rental insurance and compare rates just as you would if you were looking for a new policy for your car. Drivers are able to get quotes online, call up rental car insurance agents, and even drop or add coverage at will, so long as there are no lapses in coverage. All of this is possible provided that you let your car rental company know that you will be using your own rental car insurance insurer.

It is a good idea to start looking at car rental insurance quotes before you secure a rental.

You can provide the rental car insurance company with somewhat generic information on the vehicle that you want to insure, but you might not get as accurate of a quote.

What happens if you need to submit a rental car insurance claim?

Although most drivers don’t ever expect to get into a collision, it can happen even if they are in a rental car. Your rental car may be stolen, sideswiped, or vandalized, or you might even get into a wreck even if you are very careful. While it will be necessary for you to make a car rental insurance claim, your rates with your existing car insurance provider will not be impacted. If you are diligent in reporting the damages and submit your car insurance claim with clear supporting evidence, your claim will likely be approved.

Residents of Illinois can refer to the official Illinois government website to find out what they must do to successfully submit a car insurance claim. Each state regulates car insurance companies in a similar manner, but you should still review your state law in order to find out some of the possible reasons that a car insurance provider could deny your claim. After you have made your rental car insurance claim, you will need to wait before finding out if you will be paid back for any losses incurred.

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