Does USAA Cover Turo?

Does USAA Cover Turo?

If you’re considering renting a car through Turo, a peer-to-peer car-sharing platform, you might be wondering if your insurance provider, such as USAA, will cover potential damages or accidents. In this article, we’ll explore whether USAA provides coverage for Turo rentals and what you need to know about using this combination for your car rental needs.

What is Turo?

Before delving into the specifics of insurance coverage, let’s begin with a brief introduction to Turo. Turo is a unique car rental platform that allows individuals to rent cars from private owners. It’s often described as the Airbnb of car rentals, offering a wide range of vehicles, from everyday cars to luxury and exotic cars.

What is USAA?

USAA, or the United Services Automobile Association, is a financial services group that primarily serves military members and their families. Among its various services, USAA offers insurance coverage for automobiles. This coverage is known for its reliability and customer-friendly policies.

Does USAA Cover Turo Rentals?

The simple answer is yes; USAA does cover Turo rentals, but there are conditions and limitations. Let’s explore the details to ensure you understand what to expect when using Turo with USAA insurance.

Coverage Types Offered by USAA

USAA provides its members with various types of auto insurance, including liability coverage, collision coverage, and comprehensive coverage. When you rent a car through Turo, these coverage types extend to the rental vehicle, just as they would for a vehicle you own. This means that if you’re involved in an accident while driving a Turo rental, USAA will typically cover the costs, provided your policy includes the necessary coverage.

Exceptions and Limitations

It’s important to be aware of certain exceptions and limitations. While USAA generally covers Turo rentals, there are conditions you must meet. Firstly, you must be an eligible USAA member with an active auto insurance policy. Additionally, your policy should be in good standing at the time of the rental. In some cases, coverage may not extend to certain high-end or luxury vehicles listed on Turo.

Steps to Check Your Coverage

Before booking a Turo rental, it’s crucial to check your USAA insurance policy and verify that your coverage extends to rental vehicles. This can often be done by contacting USAA’s customer service or checking your policy details online. Make sure you understand the specific coverage limits and deductibles for rental cars to avoid any surprises in case of an accident.

Does USAA Cover Turo

Benefits of Using Turo

Turo offers several advantages, making it a popular choice for those seeking a unique car rental experience. Some benefits of using Turo include a diverse selection of vehicles, often at more affordable rates compared to traditional rental agencies. It’s also a convenient way to earn extra income by renting out your own vehicle when you’re not using it.

Pros of Using USAA for Turo Rentals

Using USAA insurance for Turo rentals has its own set of advantages. Firstly, if you’re already a USAA member, it simplifies the rental process since you can rely on your existing policy. USAA’s reputation for excellent customer service and claims processing also adds to the appeal.

How to File a Claim with USAA for Turo Rental

In the unfortunate event of an accident or damage to your Turo rental, the process of filing a claim with USAA is generally straightforward. You can reach out to USAA’s claims department, provide the necessary information, and initiate the claims process. Be sure to follow the guidelines provided by both Turo and USAA to ensure a smooth claims experience.

Alternatives to USAA for Turo Rentals

While USAA is a popular choice for Turo rentals, it’s not the only option. If you don’t have USAA insurance or are looking for alternative coverage, you can explore other insurance providers that offer similar rental car coverage. It’s essential to compare the terms, rates, and policies to make an informed decision. Does USAA Cover Turo

Customer Experiences

To gain a better understanding of the practical implications of using USAA for Turo rentals, it’s worth exploring real customer experiences. Many individuals have successfully used their USAA insurance for Turo rentals and shared their stories online. These firsthand accounts can provide insights into the process and what to expect.


In conclusion, Does USAA Cover Turo? USAA does offer coverage for Turo rentals, which is great news for USAA members looking to use Turo for their car rental needs. However, it’s important to check your policy details, understand the conditions, and ensure your policy is in good standing before booking a Turo rental. By doing so, you can enjoy the benefits of Turo while having the peace of mind that comes with USAA insurance coverage.


  1. Is Turo a good option for car rentals?
    • Turo can be an excellent choice, offering a wide range of vehicles and often more competitive rates than traditional rental agencies.
  2. What are the advantages of using Turo?
    • Advantages include a diverse selection of cars, potentially lower rates, and the ability to rent out your own vehicle to earn extra income.
  3. How does USAA’s coverage compare to other insurance providers?
    • USAA is known for reliable coverage, but it’s essential to compare policies, rates, and terms to make an informed decision.
  4. What happens if I have an accident with a Turo rental and I’m not covered by USAA?
    • If you’re not covered by USAA, Turo provides its own insurance coverage with different terms and conditions.
  5. Can I rent a Turo car if I’m not a USAA member?
    • Yes, you can rent a Turo car even if you’re not a USAA member. However, you’ll need to ensure you have appropriate insurance coverage from another provider or purchase Turo’s insurance.

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