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Yes, you can use your own car insurance for a rental car as long as your trip is for personal travel. Your personal coverage limits and deductibles will apply. If the trip is for business, your personal auto insurance policy might not cover any type of damage or injury unless you have commercial coverage.
When you use your Visa card to book a car and pay the full price of the rental, you are covered by this insurance. To access this coverage you must decline the Collision Damage Waiver (CDW/LDW) or similar coverage offered by the car rental company in its rental agreement. Visa does not provide insurance.
Cards with primary coverage Card with primary rental car coverageAnnual feeCDW/LDW coverage limitUnited Club℠ Infinite Card$525Cash value of most rental vehiclesCapital One Venture X Rewards Credit Card$395$75,000BUSINESS CREDIT CARDSInk Business Preferred Credit Card$95Cash value of most rental vehicles5 more rows
Best Credit Cards for Car Rental Insurance Chase Sapphire Preferred Card: Featured Partner. United Club℠ Infinite Card: Best Airline Card for Car Rental. Chase Sapphire Preferred Card: Best Mid-Tier. Capital One Venture X Rewards Credit Card: Best Premium Card. United℠ Explorer Card: Best Mid-Tier Travel.
All Bank of America credit cards includes secondary rental car insurance. Car rentals for business travel qualify for primary coverage in the U.S. and most countries except Ireland, Jamaica, and Northern Ireland.

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All Bank of America credit cards includes secondary rental car insurance. Car rentals for business travel qualify for primary coverage in the U.S. and most countries except Ireland, Jamaica, and Northern Ireland.
The major credit card networks, including Mastercard and Visa, typically offer car rental insurance as a benefit.
Bank of America Travel Rewards credit card rental car benefits. The Bank of America Travel Rewards offers car rental insurance in the form of an auto rental collision damage waiver.

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Visa Car Rental Coverage

The Visa car rental coverage provides reimbursement of up to the full cost of a repair or replacement of a rental vehicle in the event of: damage due to collision or theft of the vehicle; Malicious vandalism against auto; documented valid loss-of-use charges imposed by your company to the renter of the car.

Learn more
Visa Car Rental Coverage

The Visa car rental coverage provides reimbursement of up to the full cost of a repair or replacement of a rental vehicle in the event of: damage due to collision or theft of the vehicle; Malicious vandalism against auto; documented valid loss-of-use charges imposed by your company to the renter of the car.

Learn more
Visa Car Rental Coverage

The Visa car rental coverage provides reimbursement of up to the full cost of a repair or replacement of a rental vehicle in the event of: damage due to collision or theft of the vehicle; Malicious vandalism against auto; documented valid loss-of-use charges imposed by your company to the renter of the car.

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