Capital One Card Members: How to Save on Auto Insurance

If you're a Capital One card member and are planning to rent a car for less than 15 consecutive days, you should be eligible for rental car insurance coverage if you pay for the rental car with your Capital One credit card.

UPDATED: Jul 20, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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UPDATED: Jul 20, 2022

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A Concise Overview

  • Capital One offers rental car insurance coverage
  • Card members can save money on auto insurance by using their Capital One credit cards
  • Capital One does not offer standard auto insurance policies

Car insurance can be expensive, but if you have a Capital One credit card, you may be able to save money on your rental car insurance coverage with your provider.

Capital One offers three credit card options, each with different benefits. Suppose you want rental car coverage, cashback options, and the ability to put your monthly or annual auto insurance premiums on a credit card. In that case, you should consider getting a Capital One card.

Does Capital One offer car insurance?

Capital One credit cards do not offer standard auto insurance policies. Still, you may be able to benefit from charging your auto insurance premiums to your Capital One card. 

Capital One card members get plenty of perks when they use their cards. And while most people focus on the cash back options and rewards they can get with a credit card, Capital One card members may also be able to get auto insurance coverage for a rental car through their Capital One card.

Additionally, charging your auto insurance premiums to your Capital One credit card may help you earn more points and get closer to exciting rewards.

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What credit cards does Capital One offer?

Capital One offers more than 30 credit card options to card members, but three specific cards help Capital One members earn the most points and have access to rental car coverage as a part of their membership.

These are the three best cards for Capital One members to enjoy savings on car insurance coverage:

Capital One Credit CardCredit Card TypeCredit Score RequiredAPR
Capital One Platinum MastercardMastercard640+26.99%
Capital One QuickSilverOne RewardsMastercard (can be a Visa)580+14.99%-26.99%
Capital One Venture RewardsVisa700+14.99%-26.99%
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The types of savings available and the number of points card members earn will depend on the Capital One credit card they use.

The Capital One Platinum Mastercard does not include an annual fee and is available exclusively through Mastercard. This platinum card allows for car insurance savings, and cardholders can earn points back on car insurance premiums, auto supplies, car maintenance, and much more.

With the Capital One QuickSilverOne Rewards Card, cardholders can choose either a Mastercard or Visa option. In addition, most options for the QuickSilver card do not require annual fees, and the card carries QuickSilver car rental insurance as a part of its benefits.

Lastly, the Capital One Venture Rewards Card comes as a Visa, and annual fees typically range from $50 to $400. In addition, with the Venture Rewards Card, card members can get Capital One car rental insurance and earn up to two travel miles per dollar spent. 

Additionally, this card offers significant rewards on hotels and car rentals and five times the miles on flights booked with the Venture Rewards Card. All three cards mentioned above include Capital One credit card rental car insurance. Still, the Capital One Venture car rental insurance offers more when it comes to cash back rewards and bonus miles on travel. 

Does Capital One offer rental car insurance?

If you have a Capital One credit card and are planning to rent a car for fewer than 15 days in a row, you should be eligible for rental car insurance coverage if you pay for the rental car with your Capital One credit card. According to Experian, there are a few credit cards that offer car rental insurance, including Capital One.

With a Capital One credit card, you automatically have collision insurance, theft, and towing coverage on your rental vehicle. The benefits of each type of coverage include the following:

  • Collision coverage. If you are in a fender bender while traveling, your Capital One rental car coverage should cover the cost of the repairs.
  • Theft coverage. If your rental vehicle is stolen or is damaged while someone attempts to steal the car, your Capital One credit card should cover the cost.
  • Towing coverage. If your rental car needs to be towed to the closest mechanic shop during your trip, your Capital One card will cover the cost of the tow.

Because each Capital One credit card offers different benefits, you’ll need to check the benefits guide associated with your card to ensure you have rental coverage and that the above coverages are included. 

Capital One credit cards do not offer liability coverage options, but your auto insurance coverage should extend to your rental car. Between your insurance and the rental car coverage with your Capital One credit card, you may feel comfortable not purchasing rental car coverage through the rental company.

What is the GM Capital One credit card?

The General Motors (GM) Capital One credit card is an old option that offered people options for earning more rewards on qualifying purchases, including the following:

  • OnStar Safety and Security, including automatic crash response and stolen vehicle assistance
  • Connected services with OnStar, including access to the mobile app and in-vehicle app experiences
  • In-dealership purchases with GM, including vehicle accessories like bed liners for pickup trucks, bike racks, all-weather floor mats, and wheels
  • Scheduled maintenance like oil changes, tire rotations, and battery replacement
  • Sirius XM radio options 

The GM Capital One card was replaced with the Marcus by Goldman Sachs Bank USA card, now called the My GM Rewards Card.

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Does Capital One offer roadside assistance?

Capital One credit card holders may be able to access roadside assistance through their network benefits with either Visa or Mastercard. In addition, roadside assistance is a benefit with some of the most popular Visa and Mastercard options, including Venture, Savor, and QuickSilver.

For example, roadside assistance with Mastercard includes the following options for help when you’re on the road:

  • Fuel delivery
  • Jump-start service
  • Lockout service
  • Tire changing service
  • Towing and winching

If you incur any fees associated with your roadside assistance, the costs will be added to your Capital One credit card automatically. 

Can I save on auto insurance directly with Capital One?

Purchase your car insurance coverage with a company that offers a discount for using your credit card or a Capital One card specifically. You could save money because you have a Capital One card.

Otherwise, you can save money on your car insurance by using your Capital One card to earn points and rewards that you can put toward things you want or need, like travel expenses, car maintenance, and more.

One of the best ways to save money on car insurance is to shop online and compare quotes from multiple providers to find out which company will offer you the coverage you want at a price that fits your budget. You may also want to ask about specific discounts you may qualify for. For example, some of the most common car insurance discounts include safe driver, defensive driver, accident-free, good student, military, multi-policy, and paid-in-full.

Capital One Credit Cards and Car Insurance: The Bottom Line

Capital One does not offer car insurance, but the company does include rental car insurance and roadside assistance with some of its credit cards. Again, you will need to check the benefits guide with your credit card to know whether you qualify.

You can charge your monthly or annual auto insurance premiums to your Capital One card to enjoy earning points. Then, as the points accumulate, you can use them for countless rewards, like travel and dining.

You’ll need to purchase a car insurance policy if you own a car in the States. You can shop online to compare costs for coverage and save on your rates. And you may want to ask about discounts you’re eligible for, as they can help you save even more.

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