Your Guide to Turo Car Insurance

Turo offers protection plans for hosts and guests, though some guests may choose to use their own car insurance instead.
Written by Liz Jenson
Edited by Sarah Gray
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Both hosts and guests using Turo are required to carry
car insurance
, which can be purchased via Turo’s partnership with Travelers Insurance. However, under some circumstances, guests may decline Turo car insurance in favor of their personal policy.

Car insurance for Turo hosts

Since Turo is not a ridesharing company, it is not covered by standard
rideshare insurance
, as many people assume. Instead, Turo offers protection plans to “hosts”—those who make their vehicles available for “guests,” to rent—via
Travelers Insurance
. Depending on which plan you choose, you may qualify for1:
  • Up to $750,000 of third-party
    liability insurance
  • Reimbursement for car repairs and other types of physical damage
  • 24/7 roadside assistance
The cost of each protection plan will be taken out of your trip price. Plans with more protection will cost more, meaning hosts make less money each time a guest rents their car. On the flip side, plans with less protection will cost less, meaning a larger per-rental payout, but you’ll be left with less financial assistance in the event of an accident.
Let’s take a closer look at each of the protection plans available with Turo:
Protection plan
What’s included
Cost
60 plan
  • Up to $750,000 in third-party liability insurance
  • Turo pays 100% of eligible damage costs
  • No deductible
  • Includes exterior wear and tear reimbursement
  • Includes loss of hosting income during repair OR $50/day replacement vehicle reimbursement
40% of trip price
75 plan
  • Up to $750,000 in third-party liability insurance
  • Turo pays 100% of eligible damage costs above the deductible
  • $250 deductible
  • $30/day replacement vehicle reimbursement during repair
  • Doesn’t include exterior wear and tear reimbursement
  • Doesn’t include loss of hosting income during repair
25% of trip price
80 plan
  • Up to $750,000 in third-party liability insurance
  • Turo pays 100% of eligible damage costs above the deductible
  • $750 deductible
  • No replacement vehicle reimbursement during repair
20% of trip price
85 plan
  • Up to $750,000 in third-party liability insurance
  • Turo pays 100% of eligible damage costs above the deductible
  • $1,625 deductible
15% of trip price
90 plan 
  • Up to $750,000 in third-party liability insurance
  • Turo pays 100% of eligible damage costs above the deductible
  • $2,500 deductible
10% of trip price
All of Turo insurance plans will only apply while your car is rented by another driver, so you won’t be able to use any of this coverage if you get into an accident in your vehicle on your own time. 

Do I still need standard car insurance to cover a vehicle registered on Turo?

Turo requires both
state-minimum coverage
and a Turo protection plan for all vehicles registered for rental on their website.
If you don’t carry at least the state minimum liability insurance coverage, you cannot register your vehicle on Turo. This is because you’ll still need your own car insurance with the insurance company of your choice while driving your vehicle yourself. If your car isn’t booked, it’s not covered by your Turo policy.
You can’t use your personal insurance to cover your car while someone else is renting it through Turo. Hosts are required to choose a protection plan through Turo to cover their vehicle while it is being rented.
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Car insurance for Turo guests

If you’re a guest hoping to rent a car with Turo, you can choose from three types of Turo coverage: the Premier Plan, the Standard Plan, and the Minimum Plan. 
All protection plans are secondary to your personal car insurance policy (except in
New York
, where liability coverage is always primary). This means Turo plans only kick in if your insurance doesn’t offer enough coverage to pay for damages. 
All Turo coverage plans include state minimum liability coverage, but none offer coverage for most interior or mechanical damages or costs unrelated to liability or physical damage (e.g. excess mileage, parking tickets/tolls, unremitted fuel costs, etc.)
Here’s a breakdown of costs and additional details for each plan:

Premier Plan

Cost: 65% of trip price, or at least $14 per day
Includes: A physical damage contract that limits your responsibility to $0 to Turo for physical damage to your host’s vehicle.
Additional exclusions:
  • Not available for some vehicles with a total market value above $25,000
  • Not available for any vehicles with a total market value over $60,000
  • Only available to guests over 20 years of age

Standard Plan

Cost: 40% of trip price, or at least $12 per day
Includes: A physical damage contract that limits your responsibility to $500. 
No additional exclusions 

Minimum Plan

Cost: 18% of trip price when the trip is more than $250, or 25% of trip price when trip is less than $250 (minimum $10/day)
Includes: A physical damage contract that limits your responsibility to $3,000. 
No additional Exclusions 
If you’re worried that you may not have adequate insurance coverage, consider beefing up your policy by using
Jerry
to find the coverage you need at the most affordable price before you rent a car.
Not sure how much it costs to increase your liability limits?
Compare quotes for different coverage levels in seconds.
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Do you have to use Turo’s insurance plan?

If you don’t want to use any of Turo’s available insurance coverage, you can choose a fourth option: the Decline Protection Plan. 
Under this option, you’ll still receive the minimum amount of third-party liability insurance coverage required by the state where the car is registered. However, there won’t be any limitations placed on your financial responsibility for physical damages in the event of an accident. 
This means in the event of an accident, you’ll be responsible for any financial costs associated with physical, mechanical, and interior damage as well as administrative claims fees and appraisal costs. Your personal insurance policy may be enough to cover the physical damage reimbursement for your rental car, but some renters without robust coverage may need more protection than their personal auto insurance policy affords.

Turo guest responsibilities

Primary guests renting a vehicle via Turo are responsible for certain types of damage. Guest responsibilities include:
  • Returning the vehicle on time and in the condition it was in when you picked it up
  • Any tangible property damage resulting from a
    collision
    or
    comprehensive
    event during the period of the booked trip, regardless of who is legally
    at fault
  • Any costs associated with vehicle theft during the period of the booked trip
  • The actual cash value (ACV) of the vehicle if it is totaled during the period of the booked trip, plus any related costs, minus the salvage value
  • Claims processing costs up to $150 per claim in the event of an accident, though this processing fee may be waived if the other driver accepts total fault for the claim and their insurer processes it without Turo’s involvement
Note that any wear and tear or interior damage from regular use is not included in the guest's financial responsibilities, and you won’t be responsible for mechanical breakdowns that aren’t caused by neglect or abuse of the host’s vehicle.

Do you need a credit card to use Turo?

Yes—to book a car on Turo, you must have a current and eligible payment card listed on your account. Turo accepts most major credit and debit cards and Revolut, but no other prepaid cards can be used for this service.
Turo will likely keep your card of choice on file for future trips, too, so if you feel uncomfortable with the idea of storing your payment information online, you might want to stick with traditional car rental companies for the time being.
If you’d prefer to talk to a human being instead of signing up online, you may also be able to make an account with help from a Turo customer service agent by calling 1-415-965-4525. 

FAQ

Which one of Turo’s host protection plans is the best?

Your choice of Turo protection plan should be based partially on how much Turo coverage you want and partially on how much money you’d like to make. The 90 plan is best for cost at just 10% of each trip price, while the 60 plan offers the most protection but costs 40% of each trip price.

Does Turo insurance cover bodily injury?

Turo’s guest insurance plans all include bodily injury liability coverage up to the state minimum in the state where the vehicle is registered. Beyond that, however, any bodily injury coverage is your responsibility.

Are Turo rentals available in Canada?

Yes, Turo is currently available in the US, the UK, and Canada.

Meet our experts

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Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

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