Does USAA Cover Turo? Everything You Need to Know


One of the most frequently asked questions about renting cars on Turo is: Does insurance cover Turo? Speaking specifically, if you are a USAA car insurance policyholder, does USAA car insurance cover Turo? We’ll discuss in detail how Turo rentals work and USAA insurance coverage as a whole.

Understanding USAA Car Insurance Coverage

Let’s first start with understanding the coverage of USAA car insurance before we get into the specifics of Turo rentals. USAA car insurance provides a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, and uninsured or underinsured motorist coverage. These insurance plans provide you with protection if you cause an accident, if your car gets damaged, in case of theft, or if you get hurt by a driver who doesn’t have insurance.

Remember that the coverage offered by USAA car insurance can differ based on your policy and where you live. It’s a good practice to go through your policy details or get in touch with a USAA agent to fully grasp what your coverage includes.

Also Read: How to Cancel USAA Auto Insurance: A Step-by-Step Guide

What is Turo, and How Does It Work?

Turo offers a car-sharing service where individuals can rent out their cars to others, providing an alternative to regular car rental companies. It connects car owners with those looking for temporary vehicle options. Renters have access to a variety of vehicles, ranging from budget cars to high-end cars. Can easily book them for a specific timeframe.

Renting through Turo involves creating an account, browsing listings, choosing a vehicle, and securing a reservation. This process is user-friendly and often more cost-effective compared to car rental services, making it a popular option among travelers.

Does USAA car insurance cover Turo rentals?

Insurance coverage for Turo rentals is determined by policies and state laws. In general, USAA doesn’t specifically rule out coverage for Turo rentals. However, there are considerations to keep in mind:

  1. Personal vs. Commercial Use: USAA policies usually apply to personal vehicle use. Renting a vehicle on Turo could be seen as an endeavor that might have restrictions or exceptions under USAA policies regarding the use of vehicles.
  2. Rental Vehicle Coverage: USAA policies may provide coverage for rental vehicles, but this coverage is often limited to traditional rental car companies. Turo rentals may not fall under the same category, potentially leaving policyholders without adequate coverage.
  3. State Regulations: Insurance regulations vary by state, and some states may have specific laws governing insurance coverage for peer-to-peer car-sharing platforms like Turo. Policyholders should check their state’s regulations and consult with their insurance agents to understand their coverage options.

Factors to Consider When Using Turo with USAA Car Insurance

If you’re thinking about using USAA car insurance for Turo rentals, there are some things to think about before going. These factors can impact your experience and the level of protection you’ll have while using Turo.

  • Costs: Turo charges a fee for their insurance coverage on top of what you pay for your USAA policy. It’s crucial to consider this added expense when comparing prices and deciding if renting through Turo fits your budget.
  • Car eligibility: USAA car insurance might have rules about which types of vehicles are covered. Before renting through Turo, check that the car you’re eyeing meets USAA criteria to avoid any gaps in coverage.
  • Rental duration: USAA car insurance coverage for Turo rentals usually has a period. If you’re planning a rental, you might need to look into insurance options or chat with USAA about the specifics.

By keeping these points in mind, you can make an informed choice. Ensure you’re adequately covered during your time renting from Turo.

Also Read: Auto Accident Attorney Dynomoon – insuratricks

Alternatives to USAA Car Insurance for Turo Rentals

If USAA car insurance doesn’t suit your needs or if you want to explore choices for Turo rentals, there are options out there.

Some other options to consider for USAA car insurance for Turo rentals are:

  • Turo’s insurance coverage: When you book a reservation on Turo, you have the option to purchase their insurance coverage. This policy protects both the car owner and the renter, giving you peace of mind throughout your experience.
  • Personal auto insurance: If you already have personal auto insurance, it might cover Turo rentals as well. Check your policy details. Reach out to your insurance provider to clarify what exactly is covered and any potential restrictions.
  • Credit card benefits: Some credit cards offer rental car insurance as a benefit to cardholders. Check with your credit card company to see if they provide coverage for Turo rentals and what the requirements are.

Exploring these alternatives will allow you to compare coverage options, costs, and any additional benefits they may offer.

Tips for Renting a Car on Turo with USAA Car Insurance

Here are some suggestions for renting a car on Turo using USAA car insurance. After getting familiar with how USAA car insurance works with Turo rentals, it’s important to keep these tips in mind for a hassle-free experience:

  • Review your USAA policy: Make sure you understand the ins and outs of your USAA car insurance policy, including what it covers and any restrictions regarding Turo rentals.
  • Consider additional coverage: Decide if you need to buy insurance from Turo or look into other options to complement your USAA policy.
  • Read reviews and ratings: Before booking a car on Turo, spend some time reading reviews and ratings left by renters. This can give you an idea of the vehicle’s condition and how trustworthy the owner is.
  • Inspect the vehicle: When you pick up the rental, carefully inspect it for any existing damage. Document it with photos or videos. This will help protect you from damage claims when returning the vehicle.
  • Communicate with the owner. Keep in communication with the car owner throughout your period. Address any concerns or questions you may have, and make sure you’re clear on what the owner expects.

By following these suggestions, you can ensure an enjoyable experience while reducing potential issues that may crop up along the way.

Common Misconceptions about USAA Car Insurance and Turo

Some common myths exist regarding USAA car insurance and Turo rentals that need clarification. Let’s address these misconceptions to ensure you have the information:

  • USAA provides automatic coverage for Turo rentals. While USAA car insurance can cover Turo rentals, it is not automatic. You need to have the appropriate coverage options in place to ensure you are protected while using Turo.
  • Turo’s insurance coverage is unnecessary with USAA car insurance. Turo’s insurance coverage offers additional protection and peace of mind during your rental. It is a separate coverage that you can choose to purchase, even if you have USAA car insurance.
  • USAA car insurance covers all types of vehicles on Turo. USAA car insurance may have limitations on the types of vehicles eligible for coverage. It’s important to review your policy and ensure the vehicle you are interested in renting meets the requirements.

By understanding these misconceptions, you can make informed decisions and avoid any surprises or misunderstandings during your Turo rental.

Also Read: Save Max Auto Insurance: Get the Best Coverage at Affordable Rates

How to File a Claim with USAA for a Turo Rental

In the unfortunate event of an accident or damage during a Turo rental, you may need to file a claim with USAA. Here are the steps to follow when filing a claim:

  • Contact USAA: Report the incident to USAA as soon as possible. Provide them with all the necessary details, including the date, time, and location of the incident, as well as any relevant documentation or evidence.
  • Provide Turo rental information: Inform USAA that the vehicle involved in the incident was rented through Turo. They may require additional information about the rental, such as the reservation details and the owner’s contact information.
  • Cooperate with the claims process: Work with USAA to provide any additional information or documentation they may need to process your claim. This may include police reports, photos of the damage, and any communications with the car owner.

By following these steps and cooperating with USAA, you can ensure a smooth claims process and receive the appropriate coverage for your Turo rental.

FAQs: Does USAA car insurance cover Turo?

  • Does USAA cover Turo rentals?

Sure, USAA auto insurance might cover Turo rentals if you have collision coverage included in your policy.

  • What if I only have liability coverage with USAA?

In some cases, you might need to consider insurance options or look into purchasing additional coverage through Turo.

  • Can I use Turo’s insurance coverage and USAA car insurance together?

It is possible to combine Torus insurance coverage with your existing USAA car insurance for added protection while renting through Turo.

  • Are there any restrictions on the types of vehicles eligible for coverage?

Keep in mind that USAA car insurance could have restrictions on the types of vehicles that qualify for coverage. It’s advisable to review your policy details or reach out to USAA directly to verify the eligibility of the vehicle you intend to rent.


In summary, figuring out if USAA auto insurance includes coverage for Turo rentals involves reviewing your policy terms and considerations. By understanding your coverage choices and taking measures, you can ensure peace of mind when renting a car through Turo. If you have any uncertainties or queries about your insurance coverage, feel free to reach out to USAA for clarification. Remember, making informed decisions leads to choices in safeguarding yourself and your vehicle.

We trust that this blog post has offered insights into the connection between USAA auto insurance and Turo rentals. Stay informed, stay protected, and savor your Turo rental experience with assurance.

Interested in exploring more about USAA car insurance and Turo coverage? Visit USAA for detailed information and assistance.

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