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Chase Sapphire Rental Car Insurance: Ultimate Guide

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Excellent auto rental insurance coverage is a must nowadays, whether you plan to go abroad or stay local. And with the perks that some credit cards offer, taking advantage of auto rental insurance helps you save tremendously on unexpected expenses while maintaining peace of mind.

One example is Chase Sapphire rental car insurance, which is coverage that comes with the Chase Sapphire Reserve® or Chase Sapphire Preferred® cards. With these cards, you can benefit from auto rental coverage with different protection tiers and discounts.

What Is Chase Sapphire Rental Car Insurance?

Chase Sapphire rental car insurance comes with the Chase Sapphire Reserve and Chase Sapphire Preferred cards. The insurance protects your rented vehicle from theft and damage, with varying coverage tiers depending on the card.

The main difference is that Chase Sapphire Reserve reimburses up to $75,000 for collision damage and theft. On the other hand, Chase Sapphire Preferred covers up to the cash value of the vehicle.

The Chase Sapphire Reserve and the Chase Sapphire Preferred cards offer primary Collision Damage Waiver coverage. This coverage means that filing a claim with any other insurance source to receive coverage under this benefit is unnecessary if an accident happens.

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Although both cards offer an abundance of perks and benefits that keep customers loyal and justify their costs, what card to choose depends on your lifestyle and needs.

Chase Sapphire Reserve Auto Rental Insurance

Chase Sapphire Reserve provides excellent worldwide coverage for car rental insurance. Despite a higher annual fee than Chase Sapphire Preferred, it offers multiple perks that are well worth it, like points and slightly cheaper prices on some car rentals through their portal.   

Card Cost

The Chase Sapphire Reserve card costs annually per authorized user, with an APR between .

General Coverage Information

This card covers you, the cardholder, and any authorized persons permitted to operate the vehicle. Before you can receive coverage, you must decline the rental company’s CDW. Benefits are valid in the United States and most foreign countries, staying in effect until the rental company reclaims the vehicle.

What Is Covered

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What Is Not Covered

Cut-Off Times

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Chase Sapphire Preferred Auto Rental Insurance

The Chase Sapphire Preferred card offers many of the same benefits as the more expensive Chase Sapphire Reserve. It remains a top-tier choice if you are considering renting a car in the U.S. and abroad, with some limitations covered below.

Card Cost

The Chase Sapphire Preferred card costs annually with an APR of .

General Coverage Information

You are eligible for coverage if your name is on a U.S.-issued card and if you use your account to make and complete the car rental transaction. Unlike Chase Sapphire Reserve, you cannot add an authorized person and receive coverage for them under this card.  

What Is Covered

What Is Not Covered

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Cut-Off Times

How Do You Claim Insurance on Chase Rental Cars?

You can start claiming Chase Sapphire rental car insurance by requesting the following documents from the auto rental company:

After submitting these documents within the allotted timeframes, all you need to do is stay put. Chase indicates that it usually pays claims within 15 days of receipt by the Auto Rental CDW Benefit Administrator.

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Reaping the Benefits of Chase Sapphire Rental Car Insurance

The benefits of having Chase Sapphire rental car insurance are numerous, and they come at no cost to you with the Chase Sapphire Reserve or Chase Sapphire Preferred cards. Whether in the U.S. or abroad, you can take advantage of the insurance options they offer without going through your personal car insurance company.

Although you get better coverage and slightly more options with the Chase Sapphire Reserve, it boils down to your needs, rental frequency and lifestyle. And for the value that either card brings to the table, you receive far more than you pay through the multiple perks and discounts, not just car rental insurance.

Chase Sapphire Rental Car Insurance FAQ

  • Does Chase offer primary rental car insurance?
    • Chase Sapphire rental insurance is the primary insurance. You will not need to file a claim with your personal insurance.
  • Does Chase Sapphire Preferred cover liability?
    • No, Chase Sapphire Preferred does not offer liability coverage.
  • Does Chase Sapphire have rental car discounts?
    • No, Chase Sapphire cards do not offer rental car discounts.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Nov. 22, 2022.