Chase Sapphire Reserve Rental Car Insurance Review

Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Chase Sapphire Reserve Rental Car Insurance Review

Million Mile SecretsChase Sapphire Reserve Rental Car Insurance ReviewMillion Mile Secrets Team

Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

Until now, I’ve recommended the Chase Sapphire Preferred Card as a terrific card to use when you rent a vehicle, because you get primary insurance coverage for collisions and damage.

But the Chase Sapphire Reserve also offers similar primary auto rental insurance.  And lots of other improved travel perks!

So how good is the Chase Sapphire Reserve rental car insurance?  Is it the best credit card for car rentals?

You’ll Get Primary Coverage With Chase Sapphire Reserve Rental Car Insurance

I’ve read the fine print.  So let’s find out how the Chase Sapphire Reserve stacks up against other cards that offer primary rental insurance!

Chase Sapphire Reserve Rental Car Insurance

Apply Here:   Chase Sapphire Reserve

Read our review of the Chase Sapphire Reserve

Like the Chase Sapphire Preferred, you’ll get primary rental insurance when you use your Chase Sapphire Reserve card to pay for your car rental and decline the rental agency’s collision damage waiver (often called CDW or LDW).

The Chase Sapphire Reserve rental car insurance applies to rentals of 31 consecutive days or less in the US and most foreign countries (but it’s always best to call the benefits administrator to verify coverage).  You’re covered for theft or damage to your vehicle, but not damage to other vehicles, property, or injuries.

Chase Sapphire Reserve Car Rental Insurance Is Primary!

Because Chase Sapphire Reserve rental car insurance is primary, you won’t have to file a claim with any other insurance policy you have first.

This could save you lots of money in the event of an accident or damage to your vehicle!

For example Million Mile Secrets team member Joseph saved ~$2,300 when he scraped his rental against a cement pillar in Ireland.

Chase Sapphire Reserve Rental Car Insurance
Million Mile Secrets Team Member Joseph Was Reimbursed by the Chase Sapphire Preferred for ~$2,300 in Damage When He Scraped His Car in Ireland

And authorized users are covered when they use their Chase Sapphire Reserve to rent a vehicle.  So what’s different compared to the Chase Sapphire Preferred?

1.   Maximum Amount of Coverage

With the Chase Sapphire Reserve, you’ll be reimbursed for up to $75,000 in covered losses.

The Chase Sapphire Preferred will cover you up to the actual cash value of most vehicles.  Generally, rental cars are worth far less than $75,000!

2.   Vehicle Exclusions

The Chase Sapphire Reserve has fewer exclusions than the Chase Sapphire Preferred.  For example, with the Chase Sapphire Reserveyou will NOT be covered for:

Antique automobiles (defined as any vehicle over 20 years old or any vehicle that has not been manufactured for 10 years or more), certain vans, vehicles that have an open cargo bed, trucks, motorcycles, mopeds, and motorbikes, limousines, and recreational vehicles.

But the Chase Sapphire Preferred excludes these, plus:

Aston Martin, Bentley, Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce.  However, selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered.

So if you’re renting a very high-end car, the Chase Sapphire Reserve is a better bet!

3.   Points Earning

The Chase Sapphire Preferred earns 2X Chase Ultimate Rewards points on travel purchases, including rental cars.  So you’ll do better with the Chase Sapphire Reserve, which earns 3X Chase Ultimate Rewards points on travel (excluding $300 travel credit).

4.   Booking Through the Chase Travel Portal

The Chase Travel Portal often has the cheapest deals on rental cars.  And when you use points from your Chase Sapphire Preferred card, they’re worth 1.25 cents each (even if you pay with a combination of points from your card and cash!).

The Chase Sapphire Reserve is a better deal if you use points to book your rental through the Chase Travel Portal.  That’s because each point is worth 1.5 cents!

So on a $100 rental, you’d pay:

Bottom Line

The Chase Sapphire Reserve rental car insurance offers terrific primary coverage, which can save you thousands of dollars if your rental car is damaged!

The coverage it provides differs only slightly from that of the Chase Sapphire Preferred.  For example, certain high-end vehicles aren’t excluded, and you’re covered to a maximum of $75,000 with the Chase Sapphire Reserve.

Remember, liability insurance is NOT included.  So be sure to check your own coverage or purchase liability insurance from the car rental agency.

If you liked this post, why don’t you join the 36,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!


by Newest
by Best by Newest by Oldest

If you use your points to book a rental does it come with this insurance?

I was in a rental because my car was in the shop. Someone scraped my car and I’m being held responsible. The original rental cost was on me, but my warranty company has decided to pay the rental.

However, the deductible is now on my CSR. Can I still file a claim even though ultimately I will not be paying for the rental as I originally thought>

I got a flat tire with Budget and they charged me $250! (Including $56 roadside assistance and $25 administrative fee.) I booked with CSR, will that cover? (If I’d know they were going to charge me to change it, I could have call AAA for free.)

When renting a car for business or personal purposes one of the questions that may come up is do you need rental car insurance. Auto insurance protects you from unforeseen circumstances. When renting a car most car rental agencies will try and sell you auto insurance coverage. Rental car insurance always baffles car owners as most of them don’t even know whether it is worth buying or not. Most of the experienced agents from the top auto insurance companies will inform you that getting this kind of insurance is completely inefficient. Of course it is still applicable for some of the car owners, but most drivers are simply overpaying. Got to know all details from

Spoke to benefits from Reserve. Booking on points does have primary coverage.


Planning an upcoming 5 day trip to California in a few months, and trying to get a regular car to rent (nothing luxury or too fancy). I’d like to use my UR points from the CSR to book the rental, but I called CSR customer service and they stated that using points does not allow primary rental car coverage to apply. Fine, whatever.

If I book the car using CSR points, is it possible to purchase the rental insurance thru the rental agency at the counter? Has anyone tried this?

The rental agency will be super happy to sell you rental insurance if you book using UR points, they certainly tried to do so with me.

Load more