Military Money Manual has partnered with CardRatings for our coverage of credit card products. Military Money Manual and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Thank you for supporting my independent, veteran owned site.
The USAA US touring auto policy is a special auto insurance policy available to USAA members living overseas. The USAA touring policy covers you when borrowing or renting vehicles in the United States while on leave or temporary military assignment.
When I lived in the United Arab Emirates for 2 years on military assignment I cancelled my US auto insurance coverage. I had no vehicles in the States and I lived in the UAE so most of my driving was outside of the US.
I signed up for the USAA UST for me and my wife. For $2 per month or $24 per year, we received excellent auto insurance coverage when we drive friends or family vehicles or rental cars back in the US.
You should get auto insurance in the country you live locally, whether that's Germany, Japan, South Korea, the United Kingdom, or any of the other countries US servicemembers are stationed in.
The biggest savings of the US touring auto policy is on rental car insurance. Rather than paying for overpriced rental car insurance that can exceed $24 per day, you can safely decline the insurance at the rental car counter.
This can save you hundreds of dollars in just a few days of renting a car in the US.
What does the US touring auto policy cover?
|Coverage||Amount Covered||Deductible||Annual Premium|
|Uninsured/Underinsured Motorists Property Damage||Up to $100,000 per accident||$250||$4|
|Bodily Injury Liability||$300,000/$500,000 per person/per accident||$0||$6|
|Property Damage Liability||$100,000 per accident||$0||$7|
|Uninsured/Underinsured Motorists Bodily Injury||$300,000/$500,000 per person/per accident||$0||$4|
|Personal Injury Protection||$2,500 per person||$0||$3|
As you can see, you get a tremendous amount of coverage for only $24 per year. This is an awesome deal that USAA offers their members.
The USAA US Touring Auto Policy also allows you to keep your USAA umbrella insurance continue while you live overseas. Umbrella insurance is a cheap way to insure your assets once you reach a high net worth of $1 million or more.