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Moving? We have overseas insurance for Italy too.

Help protect your car and property abroad.

If you’re PCSing or deploying to Italy, 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 Italy. 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

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

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

Cover more with Personal Property Plus.

This policy offers protection beyond what a renters policy covers.

Plus, there's no deductible. It can help protect your:

  • Sports equipment.
  • Bikes and e-bikes.
  • Stuff you have with you while deployed (Deployment page).

For more details, call us.

From within the U.S.: 800-531-8722

From within Italy: 800-971-707

Or, our European landline: 00-800-531-81110

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 Italy. 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 Italy

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.

A UST policy adds affordable driving coverage.

You can add a U.S. Touring, or UST, policy to help provide liability coverage if you rent or borrow a car in the U.S.

Learn the basics of driving in Italy

Safe Driving in Italy

Video Duration: 2 minutes 24 seconds

5 key things to know: Elapsed time 0 minutes 0 seconds [0:00]

Driving in Italy has its own set of rules and customs that may be different from what you're used to in the United States. Here are 5 key things you should know before hitting the roads in Italy.

1. Different signage

Be aware of road signs, especially “zona traffico limitato” or ZTL, signs. These signs indicate restricted traffic zones, often found in city centers. Entering a ZTL without a permit can result in hefty fines. Pay attention to parking signs as well to avoid fines and towing. Some areas have resident-only parking zones, so be sure to read the signs carefully.

2. Narrow roads

Many Italian towns, especially in rural and historic areas, have very narrow streets. These roads might not have dividing lines, so navigate them carefully. Always check your mirrors and blind spots for other cars and motor scooterists.

3. Roundabouts

Roundabouts are more common in Italy. When entering a roundabout, give the right of way to vehicles already in the circle. For multi-lane roundabouts, the inside lane is for vehicles continuing around, while the outer lane is for those exiting. Use your turn signals to indicate your exit and stay in the correct lane. Always be cautious and yield when necessary.

4. What to do during an accident

If you get into an accident, make sure that you and your passengers are safe first. If there were any injuries, call 112, the European emergency number, and wait for the police to arrive. Traffic triangles and a reflective vest are required by law. Use them to stay safe and alert other drivers. Take photos of the scene and use the European Accident Statement to make notes of what happened. If there were any witnesses, it’s wise to write their names and addresses down.

5. Italian driving culture

Be flexible and adapt to the Italian driving culture. Keep in mind honking isn’t always aggressive. Drivers might use their horn to alert other drivers in tight spaces. They might not always use their blinkers.

These tips can help you hit the roads in Italy with confidence. No matter where you're driving, always drive defensively, stay alert and respect the rules of the road.

End: Elapsed time 2 minutes 24 seconds [2:24]

Italy overseas insurance FAQ

License plates and registration

There are 3 types of license plate registrations available through in-country vehicle registration offices:

  • Military Allied Forces Italy, or AFI, plates and cover plates — available from a U.S. military motor vehicle registration office
  • Diplomatic plates — available from the U.S. Embassy or a U.S. Consulate
  • Local civilian plates — available from the local seller of the vehicle

We no longer insure new vehicles with local civilian plates. You’ll need to get coverage from a local provider instead.

Report your license plate number on usaa.com or the mobile app or call us as soon as you have it. Failure to do so could result in a fine and seizure of your vehicle.

Italian law requires us to report your license plate number to a vehicle registration database. Local police forces and insurers use the database to verify coverage.

Proof of insurance

We'll email you a certificate of insurance as your proof of insurance for the term of the policy. You’ll get a renewal every year the policy remains active.

You're required to carry a valid certificate of insurance in the vehicle.

We’ll also issue you an international motor insurance card, or green card.

Yes. The following taxes may apply:

  • Insurance Premium Tax
  • Contribution for Emergency Treatment
  • Solidarity Fund

Tax amounts depend on the type of license plate you register. All taxes are payable upfront for the full term of the policy.

Refer to your declarations documents for details.

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 contact us 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, contact us USAA contact us page.

Before you drive

  • Most countries will require you to complete an accident report form. In your vehicle, you should carry a blank copy of the European Accident Statement (PDF of European accident statement) Opens in a new Window.
  • Many countries require you to have warning triangles, reflective vests and a first-aid kit in case of an accident. Check local driving regulations to find out more.
  • Keep a copy of your green card handy as proof of insurance.

At the scene of the accident

  • Dial 112 for emergency service in Europe. You may need to contact the police if there are injuries, you're in a hit-and-run, or the other party is uncooperative and at fault.
  • Don't sign anything except the European Accident Statement. This lets each driver explain what happened but doesn't assign blame.
  • Take pictures of the accident scene and damaged vehicles, including license plates. If possible, get the other driver’s name, driver’s license number, address and phone number. Also get the name of their insurance carrier, policy number and vehicle registration.
  • Use a translation app to help communicate in the local language.
  • In a one-car incident, find the owner of any damaged property to complete a report. If you can’t find them, leave a note at the scene and report it at the nearest police station.

Filing a claim after an accident

You can file a claim on the USAA Mobile App main page. Or you can file online (USAA claims main page). As soon as possible, contact a USAA claims representative USAA contact us page.

Related footnotes:

  1. No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

  2. Availability of renters insurance to residents of another country is limited to qualified members.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. Property and casualty insurance provided by United Services Automobile Association (USAA), USAA Casualty Insurance Company and USAA General Indemnity Company which are domiciled in Texas and are licensed in all 50 United States and D.C.; Guam, Puerto Rico, and/or the Virgin Islands; USAA S.A. UK Branch, authorized by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority to write coverage in the United Kingdom. USAA S.A. UK Branch Registration Number: England BRO23811, also registered with the Registre du Commerce et des Societes of Luxembourg; or USAA S.A., authorized by the Luxembourg Minister of Finance and supervised by Commissariat aux Assurances to write insurance under the Freedom of Services Directive in Azores, Belgium, France, Germany, Greece, Italy, Netherlands, Portugal and Spain. USAA S.A. Trade and Companies Registration Number: B-224622. Not all products are available to all applicants in all locations. Product availability may vary in some foreign locations due to local laws and restrictions.

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