Skip to Content

Moving? We have overseas insurance for Puerto Rico too.

Help protect your car and property abroad.

If you’re PCSing or deploying to Puerto Rico, we can help cover you and your stuff with overseas insurance main page.

You can customize a policy to fit your needs while you live abroad.

Auto Insurance

Stay covered when you’re driving in Puerto Rico. Here’s some of the coverage we offer:

  • Liability coverage for bodily injury and property damage
  • Help with medical payments after a covered accident
  • Comprehensive and collision coverage
  • Uninsured motorists coverage
Learn more about auto insurance main page

Renters insurance

We can help protect your personal belongings while you’re stationed abroad. Here are some of the things we cover:

  • Damage to military gear and uniforms‍ ‍ See note 1
  • Theft and vandalism
  • Smoke, fire and lightning damage
  • Flood and some other types of water damage
Learn more about renters insurance main page

Valuable Personal Property Insurance

Protect your valuables from theft and accidental breaks, losses or spills with no deductible. Here are a few of the things we help cover:

  • Jewelry and smartwatches
  • Cameras
  • Musical instruments
  • Guns and bows
Learn more about valuable property insurance main page

Get covered before you move in 3 easy steps.

Steps to complete Get covered before you move in 3 easy steps.

  1. Find out what you need

    Think about what you plan to take with you, what you need to ship and what coverage you need to help protect your stuff.

  2. Get a quote

    If your move is more than 30 days away, you can get a quote online whether you already have a policy with us or not.

  3. Get covered

    If your move is less than 30 days away, call us to start your coverage and help protect your stuff during shipment.

Need to transfer an existing USAA policy?

We can get you a policy that helps protect you in Puerto Rico. We’ll make sure you don’t lose your coverage when you need it most.

Call the policy service number for your location to get started.

View contact info (USAA contact us page)

Resources to help you plan your move to Puerto Rico

Moving checklist

Answer a few quick questions to help simplify what you need to do.

Get started with the moving checklist

PCS resource center

Understand all your options to help make your move easier.

Explore PCS resources

PCS budgeting tips

Learn how to avoid common money mistakes and save more.

Get budgeting tips

Our coverage can go with you if you visit the states.

Renters coverage goes worldwide.‍ ‍ See note 2

You don’t lose your renters coverage when you travel. If you’re visiting friends or family back home, we cover the things you take with you.

Your auto policy covers you in the U.S.

Your policy extends to the U.S. and may protect you and other licensed drivers in your household when driving rented or borrowed cars.

Puerto Rico overseas insurance FAQ

Vehicle registration

If you’re active duty military and stationed in Puerto Rico, you’re allowed to maintain your home state of legal residence. This means you can usually keep your vehicle registered in your home state. You’ll need to keep your state registration and insurance up to date.

If you’re a civilian with a transportation agreement or a retired service member, you must update your vehicle registration within 120 days of arriving in Puerto Rico. You can do this at a local registration office.

Proof of insurance

You’ll get an insurance ID card for eligible vehicles when we issue your policy.

We’ll also send military members stationed in Puerto Rico an insurance voucher, which acts as proof of payment for mandatory injury liability. You’ll need this to pick up your vehicle from the Vehicle Processing Center (VPC).

We divide your premium into 3 payments. The first installment is a prepayment, followed by 2 consecutive monthly payments.

Your renewal requires a prepayment about 30 days before the renewal date. We’ll send you a reminder letter with the amount before it’s due.

Your auto coverage

If you’re shipping your car, keep your overseas policy until it arrives. Then we can help you transfer your coverage to a stateside policy. You just need to USAA contact us page.

If you’re not taking your car, remove your name from the registration and your insurance papers from the car. After that, you can cancel the policy. You’ll need to pay a premium for any coverage you’ve received.

Your renters coverage

Keep your overseas policy while your stuff is in shipment. That way you still have protection for any covered losses on the way.

When you and your stuff are back in the U.S., we can help transfer your policy. When you’re ready, USAA contact us page.