Compare providers in your area.
Your information is secure
If you’ve got a cool car, renting it out on Turo can be a great way to make extra money. It’s kind of like Airbnb for cars, and the platform offers insurance and protections for car owners. But you’re responsible for carrying your own car insurance when someone drives the vehicle outside of Turo trips.
Turo has five levels of protection it offers “hosts” — its term for people who rent out their cars on the Turo platform. Protection plans are named based on the percentage of the trip proceeds you get to take home after insurance and protection costs — 60, 75, 80, 85 and 90.
The 60 plan offers the most protection and the smallest take-home pay, whereas the 90 plan offers the least protection but the largest profit. You should carefully review the plans to make sure you balance the level of coverage you need with how much you hope to make.
All plans offer up to $750,000 in liability insurance — except in some states and at some airports that may require additional coverage — provided by Travelers. Turo also provides reimbursement for repairs or a total loss of the vehicle up to $200,000, with some restrictions.
Vehicle reimbursement is not insurance — it’s a contract reimbursement — but it essentially amounts to the same thing.
Here’s a snapshot of the insurance and protection plans Turo offers.
| Plan | 60 Plan | 75 Plan | 80 Plan | 85 Plan | 90 Plan |
|---|---|---|---|---|---|
| Host take | 60% of the trip price | 75% of the trip price | 80% of the trip price | 85% of the trip price | 90% of the trip price |
| Deductible | $0 | $250.00 | $750.00 | $1,625 | $2,500 |
| 3rd party liability insurance | Up to $750,000 | Up to $750,000 | Up to $750,000 | Up to $750,000 | Up to $750,000 |
| Vehicle reimbursement | 100% of eligible damage up to $200,000 | 100% of eligible damage up to $200,000, after deductible | 100% of eligible damage up to $200,000, after deductible | 100% of eligible damage up to $200,000, after deductible | 100% of eligible damage up to $200,000, after deductible |
| Replacement vehicle reimbursement | $50 a day (max 10 days), or $500 if a total loss | $30 a day (max 10 days), or $300 if a total loss | Not included | Not included | Not included |
| Exterior wear and tear | Turo takes care of eligible wear and tear | Not included | Not included | Not included | Not included |
Your personal auto insurance policy typically won’t cover your car when it’s actively being rented on Turo, even with a top car insurer. In fact, most car insurance companies strictly prohibit that kind of coverage because renting your car out is a business purpose, and you’ll likely need specialized coverage for gig workers. In any case, Turo requires you to purchase an insurance and protection plan to be eligible to rent your car out on its platform.
How much you’ll pay for Turo insurance and other protections depends on which plan you pick and costs anywhere between 10% to 40% of the total trip price. For example, if someone rents your car for a week and the cost of the trip is $2,000, you would take home $1,200 if you have the 60 Plan, or 60% of the trip price. If you had the 90 Plan, you would take home $1,800, or 90% of the trip price.
If you want to maximize your earnings while still having the majority of protections, you might opt for the 75 Plan. With that plan, you could take home $1,500 (on a $2,000 trip), only have a $250 deductible and still retain most of the coverage.
Turo only covers your car when it’s on a trip, so it’s important to find the right coverage for times when your car isn’t being rented out.
Progressive
Finder score
What we like: Progressive has more discounts than most competitors, including discounts that anyone can earn just by following simple steps for quoting, buying and paying. It also offers usage-based discounts, which just makes sense if you only drive the car part-time. It also has many other discounts for safe drivers, safer vehicles and more.
| Telematics | Snapshot |
|---|---|
| Gap insurance | Loan/lease coverage |
| Telematics | Snapshot |
|---|---|
| Gap insurance | Loan/lease coverage |
Pretected
Finder score
What we like: Researching multiple providers on your own can get tedious, so a marketplace like Pretected might be the way to go if you want to save time and find the cheapest rates. It uses a proprietary “smart matching” system that analyzes dozens of data points to find the best insurance providers for you in seconds. Pretected promises to match you with the most compatible insurer — and save you up to 50% in the process.
| Telematics | Varies by provider |
|---|---|
| Gap insurance | Varies by provider |
| Telematics | Varies by provider |
|---|---|
| Gap insurance | Varies by provider |
Geico
Finder score
What we like: Geico is known for having some of the lowest car insurance rates. Low rates are especially important if you want to maximize your Turo hosting income but still drive the car for some personal use.
Plus, Geico has multiple discounts available that can help make your premiums even more affordable. It also has add-ons like roadside assistance and rental car reimbursement if you need extra coverage.
| Telematics | DriveEasy |
|---|---|
| Gap insurance | No |
| Telematics | DriveEasy |
|---|---|
| Gap insurance | No |
American Business Insurance
Finder score
What we like: ABI offers an insurance policy — Period X — specifically designed for fleet owners or individuals who rent their cars on car-sharing platforms like Turo and don't drive them for personal use. It's meant to provide coverage for the times when the car isn't being rented but still needs to be driven, like for car washes, repairs or maintenance.
It also has some nifty features, such as GPS, so you know where your vehicles are and can track the mileage. Plus, you can set it up to give you geofencing alerts and notifications for things like vehicle maintenance or billing reminders. But it may be a little pricey, and you can only drive 250 miles a month.
| Telematics | No |
|---|---|
| Gap insurance | No |
| Telematics | No |
|---|---|
| Gap insurance | No |
Tint
Finder score
What we like: Tint has partnered with Turo to provide off-trip car insurance specially designed for Turo hosts. It's one of the least expensive options, starting at only $56 per vehicle for liability insurance and $89 per vehicle for liability and damage insurance. It also offers 10% renewal discounts if your vehicle is rented out more than 60% of the time.
But it doesn't cover any personal use, and you can only drive 300 miles per month. Plus, you'll need at least three Turo rental cars to be eligible for the insurance, and it doesn't apply to any other car-sharing platforms.
| Telematics | No |
|---|---|
| Gap insurance | No |
| Telematics | No |
|---|---|
| Gap insurance | No |
State Farm
Finder score
What we like: With almost 20,000 agents across the country, there is sure to be a local agent in your area to walk you through your options and help you out in times of need. Not only does it rank fifth in overall customer satisfaction by J.D. Power, but it also offers affordable rates, comprehensive coverage and a number of discounts to help lower your premiums.
| Telematics | Drive Safe and Save |
|---|---|
| Gap insurance | No |
| Telematics | Drive Safe and Save |
|---|---|
| Gap insurance | No |
Finder’s insurance experts analyzed dozens of insurance providers to find ones that offer the best options for Turo hosts — whether they drive the car for personal use or not. We ultimately chose ones that specialized in Turo cars (or other car-sharing services) or had competitive rates, multiple discounts and good satisfaction ratings.
Some of the criteria we evaluated included:
Finder also maintains strict editorial integrity and independence. Our content and suggestions are fair, accurate and trustworthy, and our advertisers or partners don’t influence our opinions. To learn more, check out our editorial guidelines here.
First of all, hosts and guests have the option to resolve vehicle damage between themselves without ever involving Turo. In some cases, this may be the fastest and most cost-efficient resolution.
However, if your vehicle is damaged by a guest and you want to file a claim, here’s to expect:
The whole process could take up to 30 days. Depending on your plan, you may be eligible for replacement vehicle reimbursement or host loss of income.
If a guest can’t return your car on time for any reason, they must request an extension through the Turo system as soon as possible (or within 24 hours from the time the trip has ended), and it has to be accepted by you. If they don’t get approval, you can charge for additional usage and related fees. In addition, Turo may opt to cancel the guest’s protection plan.
If the guest hasn’t returned your car within 24 hours of the scheduled end of the trip and hasn’t requested an extension, Turo follows up with the renter for you. Turo asks you to wait 48 hours for them to review the issue and get back to you.
Renting your car out on Turo can be an easy way to bring in extra income, but you need to make sure you’re fully covered in any situation. Turo has multiple protection plans to cover you while your car is on a trip, but you’ll need to have insurance that protects the vehicle at all other times.
Compare providers in your area.
Your information is secure
You don’t need to purchase separate insurance if you rent your car on Turo. In fact, you’re required to choose one of Turo’s plans for insurance and other coverage.
No, you don’t need to have your own insurance to rent a car from Turo. You can purchase insurance from Turo, just like when you rent a car from Avis, Alamo or any other car rental agency. Turo has three plans for guests, which include liability insurance and a physical damage contract. Costs for guest protection plans run from 18% to 65% of the trip price.
With most insurance companies, your personal policy extends the same coverage to cars you rent, including Turo. However, it’s still a good idea to check with your insurance agent beforehand, as some insurers don’t cover peer-to-peer car rentals.
Yes, Turo allows you to host with a leased car as long as your lease contract allows using it on a car-sharing platform. To prevent delays after a claim, confirm these details with the company leasing the vehicle before listing the car with Turo.
Some of the top auto insurance providers for single moms and dads to save on options without dropping coverage.
Some of the top auto insurance providers that offer coverage for gig workers who use their cars for work.
Cheap car insurance options for teen drivers.
Receive extra liability coverage with an umbrella policy from these top insurers, though they may require you to have car insurance through them.
Know what to do after a license suspension, like whether you can drive or what fees to pay.
Find out what happens if your license is suspended in Pennsylvania and what you should do next.
How to get your license back after a suspension in Maryland.
If you’re a teacher or work in the education field, you can find special rates and discounts on your car insurance.
Compare the best short term car insurance policies for monthly, six-month and temporary car insurance coverage.