Generally, a standard car insurance policy from the UK, EU, or Australia does not provide coverage for driving in the USA. Most domestic policies are geographically limited to your home country or region (such as the EU/EEA). If you are renting a car in the U.S. in 2026, the rental company will include the minimum legal third-party liability insurance in the base price, but this is often very low. It is a high-value peer tip to purchase Collision Damage Waiver (CDW) and Supplemental Liability Insurance (SLI) directly from the rental agency or through a third-party "excess insurance" provider before you travel. If you are a U.S. resident traveling within the states, your own personal auto insurance usually does extend to rentals. For international visitors, relying on your "home" insurance is a major risk, as U.S. medical and repair costs are among the highest in the world, making a dedicated travel insurance policy with specific "rental car excess" coverage a necessity for total peace of mind.