Does USAA car insurance cover Turo: Coverage Guide

Renting a car through Turo? Concerned about insurance coverage? Look no further! As a proud member of the Turo network, you may be wondering about the compatibility of your USAA car insurance. This blog post delves into the intricacies of Turo and sheds light on how USAA car insurance collaborates with this innovative vehicle rental platform. Whether you’re a Turo enthusiast or a newcomer, this guide equips you with the knowledge needed to make an informed decision. Let’s dive in!

Unveiling Turo: A Brief Overview

Before we delve into USAA’s coverage for Turo, let’s provide a snapshot of the platform. Turo is an online marketplace where car owners can rent out their vehicles to those in need. Offering a diverse array of cars, from luxury vehicles to sports cars and RVs, Turo provides an alternative to traditional rental services, offering flexibility and choice to renters.

Decoding USAA Car Insurance

USAA, known for providing insurance to military members and their families, offers a range of coverage, including auto insurance. Renowned for its comprehensive coverage, excellent customer service, and competitive rates, USAA stands as a trusted choice for many.

Does USAA Car Insurance Cover Turo?

The burning question: Does USAA car insurance cover Turo? The answer is yes, with some caveats. While USAA generally extends coverage to Turo rentals, it’s vital to scrutinize your policy documents. Coverage nuances may exist based on your specific policy and state regulations.

Navigating USAA Insurance with Turo

Renting through Turo provides the option to choose the Turo Protection Plan. This plan includes liability coverage, physical damage protection, and third-party liability coverage. However, if you have USAA car insurance, you may opt to decline the Turo Protection Plan and rely on your USAA policy. This choice can potentially save you money by avoiding duplicate coverage.

When relying on USAA car insurance for Turo rentals, it’s essential to understand the interplay between the two policies. While most USAA policies extend liability and collision coverage to Turo rentals, comprehensive coverage, encompassing theft and vandalism, might not apply.

Advantages of Opting for USAA Car Insurance on Turo

Choosing USAA car insurance for Turo rentals brings several benefits:

  1. Cost Savings: Relying on your USAA coverage helps avoid the extra cost of the Turo Protection Plan.
  2. Familiarity with USAA: Existing USAA patrons benefit from familiarity with policies and procedures.
  3. Comprehensive Coverage: While comprehensive coverage may not extend, liability and collision coverage still offer protection.

Filing a Car Insurance Claim with USAA

Although USAA doesn’t cover Turo rentals, understanding the general car insurance claim process is crucial. Here’s a step-by-step guide:

  1. Ensure Safety: Prioritize safety after an accident, move to a secure place, and contact emergency services if needed.
  2. Collect Information: Gather essential details, including the other driver’s information and witness contacts.
  3. Contact USAA: Call USAA’s claims line promptly to report the incident.
  4. Initiate Claims Process: USAA assigns a claims adjuster to guide you through the process.
  5. Vehicle Assessment: The adjuster verifies damage and determines the repair process.
  6. Repair or Replacement: Depending on damage extent, authorize repairs or assist in the replacement process.
  7. Settle the Claim: USAA works with all parties to settle the claim, ensuring covered expenses are paid.
  8. Deductible and Reimbursement: Keep track of out-of-pocket costs for reimbursement.

This guide focuses on general car insurance claims with USAA and doesn’t address Turo rentals specifically.

Tips for Using USAA Car Insurance on Turo

For a seamless experience with USAA car insurance on Turo, consider these tips:

  1. Review Your Policy: Carefully go through your USAA car insurance policy to understand coverage for Turo rentals.
  2. Contact USAA: Seek clarification on coverage for Turo rentals by contacting USAA’s customer service.
  3. Document Damage: Before rental, inspect the vehicle for pre-existing damage and document it for potential claims.
  4. Report Accidents Promptly: Timely reporting to both Turo and USAA ensures an efficient claims process.
  5. Stay within Policy Limits: Understand policy limits to make informed decisions during Turo rentals.
  6. Consider Additional Coverage: Explore additional coverage through Turo or third-party insurers for a positive rental experience.
  7. Verify Vehicle Condition: Inspect the rental thoroughly and document pre-existing damages to prevent conflicts.

Pros and Cons of Turo with USAA Car Insurance

Considering Turo with USAA car insurance? Let’s weigh the pros and cons:


  1. Cost Savings: Turo often offers more affordable rentals than traditional companies.
  2. Wide Vehicle Selection: Turo provides an extensive range of cars for diverse preferences.
  3. Familiarity and Convenience: Utilizing Turo with existing USAA coverage brings familiarity and convenience.


  1. Lack of Host Coverage: USAA may not cover your vehicle when rented out on Turo.
  2. Coverage Limitations: Review policy for limitations on coverage for rental vehicles.
  3. Limited Availability: Turo may not be available everywhere, limiting rental options.

Frequently Asked Questions (FAQs)

  1. Coverage for Other Car-Sharing Platforms?
    • USAA coverage may extend, but review policy and consult customer service.
  2. Benefits of Turo Protection Plan?
    • Additional coverage including liability, physical damage, and third-party liability.
  3. Using USAA Credit Card for Turo?
    • Yes, but check credit card terms for limitations.
  4. USAA Roadside Assistance for Turo?
    • Confirm coverage in policy documents or contact USAA.
  5. Renting Own Vehicle on Turo with USAA?
    • Review policy terms, comply with Turo regulations for clarity.

In Conclusion

While USAA car insurance may not cover Turo hosts, it can extend coverage to Turo guests under specific conditions. For renters, reviewing policy details, considering additional coverage, and prompt reporting of accidents ensure a positive Turo experience. By staying informed and following best practices, you can maximize the benefits of renting through Turo while minimizing risks.

Read Also:

Leave a Comment