Do Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance?

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Do Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance?

Million Mile SecretsDo Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance?Million Mile Secrets Team

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Million Mile Secrets reader, Sumeet, commented:

Do authorized users also get full car rental insurance benefits like the primary card member on the Chase Sapphire Preferred?

One of the perks you get with Chase Sapphire Preferred card is primary car rental insurance.  When you’re renting a car insurance costs add up quickly.  While this is NOT comprehensive coverage, it will still save you money when you rent a car.

And authorized users are covered too!

You can currently earn 50,000 Chase Ultimate Rewards points when you sign-up for the Chase Sapphire Preferred card and spend $4,000 on purchases within the 1st 3 months of opening your account.  This is the highest bonus I’ve ever seen for this card.

Do Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance
Find Out What’s and Who’s Covered Under the Chase Sapphire Preferred Card’s Primary Car Rental Insurance

I’ll explain the details of the coverage!

Who’s Covered Under Chase Sapphire Preferred’s Rental Car Insurance?

Link:   Chase Sapphire Preferred

Link:   My Review of the Chase Sapphire Preferred Card

Link:   Chase Sapphire Preferred Benefits Guide

When you use your Chase Sapphire Preferred card to pay for your rental car AND you decline the rental agencies collision damage waiver (often referred to as CDW or LDW), you get primary rental car insurance through the card.

Do Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance
The Chase Sapphire Preferred Card Gives You Protection If You’re in an Accident With Your Rental Car.  And When You Add an Authorized User, That Person Is Covered Too!

The terms say this benefit is available to:

You, a person to whom a United States (U.S.) credit card has been issued (“Cardholder”) and your name is embossed on the card.

Authorized users are issued their own card with their name embossed.  And I spoke with a benefits administrator who confirmed primary cardholders and authorized users each have their own coverage.

Plus, any additional drivers listed on your rental agreement are covered as well.

I’ve already given you 5,003 reasons to add an authorized user to your Chase Sapphire Preferred card.  And in addition, you’ll get some peace of mind knowing your friends and family have primary car rental (and trip delay) insurance when you add them to your account!

What’s Covered?

Primary insurance provides protection for the rental car in case of an accident or theft.  This is the same coverage offered by the rental agency’s CDW.  So declining this coverage will save you money each time you rent a car.

Do Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance
Primary Rental Coverage Prevents You From Having to Fork Over Lots of Cash to Fix Your Rental Car If You’re in an Accident

Secondary rental car insurance that comes with many other cards also covers your rental car, but in the US it will only cover the what’s left over after your primary insurance pays out.

With the Chase Sapphire Preferred card’s primary insurance plan you’re covered in the US and most countries outside the US.  But before you waive the rental car’s CDW, it’s a good idea to call to make sure the country you’re visiting is covered.

Other Important Terms & Conditions

  • You’re covered up to the actual value of your rental car
  • Only car rentals that are NO longer than 31 consecutive days are covered
  • Certain types of vehicles are excluded – some brands of luxury car (i.e. Ferrari, Porsche, Rolls Royce) , antique automobiles, certain vans (built for more than 8 passengers), vehicles that have an open cargo bed, trucks, motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles
  • You must report the incident to the benefits administrator within 60 days or your claim may be denied
  • You should receive payment within 15 days of the benefits administrator receiving your documentation

Other Cards Offer Primary Rental Car Insurance

Link:   13 Cards With Primary Rental Car Insurance

In addition to the Chase Sapphire Preferred, you can get primary rental car insurance with other cards such as:

You’ll Still Need Liability Insurance!

Primary insurance does NOT cover damage to other vehicles, property, or injuries.  So it’s important to make sure you’re covered!

Do Chase Sapphire Preferred Authorized Users Get Primary Rental Car Insurance
If Someone Is Injured It Could Cost You Millions! So It’s Well Worth Paying for the Extra Coverage!

Contact your personal car insurance company to find out if you’re covered when driving a rental car.  Otherwise, the rental agency provides liability insurance which compliments primary insurance.  If you’re at fault, it covers damage to others and their property.

Bottom Line

The Chase Sapphire Preferred card comes with primary car rental insurance that covers any damage to your rental car if there’s an accident.  You’re insured under this policy when you pay for your rental with your Chase Sapphire Preferred card AND decline the collision damage waiver (CDW or LDW) from the rental agency.

And if you add an authorized user to your account, they get this coverage too!

But you may still want to purchase liability insurance through the rental agency to make sure any damage to others and their property is also covered, if it’s not covered under your personal car insurance plan.

Check out my list of other cards that also offer primary rental car insurance!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

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! :)

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info here is incorrect. according to chase’s website coverage is secondary to any other coverage you have. NOT PRIMARY

No, it states specifically that they have to be an authorized user on the credit card, which means, they’ll have their own card with their name on it, but the same CC account number.


I am somewhat confused by the wording of the post.

My friend and I will be renting a car and sharing the driving in our road trip. I have a Chase Sapphire Preferred card. Does the insurance I get through Chase cover her driving as well, if she is listed on the rental agreement, even if she’s not an authorized user?



Does this credit card insurance also cover the people in my car if there is a collision and someone gets hurt god forbid?

@Tommy – I have a post coming up that answers your question! But the short answer is yes, so long as you use Chase Ultimate Rewards points from your Chase Sapphire Preferred account.

@Sumeet – You’re very welcome!

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