Yes, USAA offers rental car insurance. If you already have a personal auto policy with USAA that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with USAA, physical damage to the rental vehicle will not be covered.... read full answer
You can talk to a USAA customer service representative at 1 (800) 531-8722 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through USAA to cover your rental car, you can purchase insurance from your rental car company, or see if it is offered by your credit card company.
USAA Rental Car Coverage
Liability Insurance. USAA liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others’ medical expenses and repairs to others’ property resulting from an accident you caused in your rental vehicle.
Collision and Comprehensive Insurance. If you have collision and comprehensive insurance with USAA, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your USAA collision and comprehensive coverage limits may not be high enough if you are renting a car with a much higher value than your personal vehicle and the car gets totaled.
Personal Injury Protection or MedPay. If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.
USAA also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, USAA will pay dependent on the rental vehicle toward the cost of your rental, up to 30 days or $900 per claim. You select specific rental car reimbursement limits when you purchase the add-on. For example, if you choose $25 per day/$600 per loss as your rental reimbursement limits, USAA will pay up to $25 per day, but no more than $600 per claim for your rental. You're covered for a rental when your vehicle repairs are started, or immediately if your vehicle isn't drivable.
To learn more, check out reviews of USAA on WalletHub, as well as our guide to rental car insurance.show less