WalletHub, Financial Company
No, USAA does not offer mechanical breakdown insurance. Mechanical breakdown insurance (MBI) is a specialty type of car insurance coverage that is only available from some insurers, and it pays for repairs that are not related to routine maintenance, wear and tear, or an accident. For instance, MBI often pays for transmission failure or engine problems.
The cost of mechanical breakdown insurance varies depending on the car, but the average MBI policy costs about $100 per year. Consequently, mechanical breakdown insurance is a good alternative to an extended car warranty, which typically costs around $1,500 total.
Although USAA does not sell mechanical breakdown coverage, drivers can purchase MBI from companies such as Geico. For more information, check out WalletHub’s complete guide to mechanical breakdown insurance.
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