Yes, USAA offers discounts of up to 25% on rental cars from participating Enterprise, Hertz, Budget, and Avis locations, and you can save even more by prepaying for your rental through USAA. The discount applies to time and mileage charges for the rental only, rather than any insurance or additional products you purchase. Some vehicles are also excluded from the discount.
To get the USAA car rental discount, you will need to use your USAA discount number, available on the USAA member website, to make the rental car reservation.
USAA Rental Car Discounts
USAA Customer Discount
Up to 5%
Up to 25%
Up to 25%
Up to 25%
Extra Rental Car Benefits for USAA Members
Prepay discount. USAA members can save up to 35% by prepaying for their rental car through USAA.
Fee waivers. Participating rental car companies waive both young driver fees and additional driver fees for USAA members, up to $44.
Damage liability coverage. USAA members who carry collision and comprehensive insurance are only responsible for the first $5,000 of damage to a rental vehicle from any rental company. However, members can purchase a Loss Damage Waiver, which means they are not responsible for the claim amount or the $5,000 deductible.
To learn more, check out WalletHub's complete review of USAA insurance.
No, you do not need insurance to rent a car because rental companies have their own insurance. Rental car companies usually provide minimum liability coverage only, so if you don’t have personal insurance, you’ll probably want to purchase extra rental car insurance through the rental company. If your personal car is insured and you pay for your rental with a credit card, you can probably skip the optional coverage offered at the rental counter.
You need some form of insurance to drive a rental car, but you only need to buy extra car insurance from the rental car company if you don’t have personal auto insurance or you’re traveling internationally. Standard car insurance policies usually extend to rental cars, so most drivers are already covered. Many credit cards also provide insurance against damage to the rental car itself.
You Might Need to Buy Rental Car Insurance If You:
USAA rental reimbursement pays for the cost of a rental car after the policyholder’s vehicle is damaged by a covered cause, such as an accident. Rental car reimbursement coverage from USAA usually costs less than $10 per month, and USAA will cover your rental for up to 30 days or $900 per claim. The available coverage limits vary based on the state and the type of vehicle you rent.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.