posted on May 15, 2026
New York State has passed a new peer-to-peer vehicle sharing law that changes how liability insurance coverage works on the Turo platform, for both hosts and guests. Here’s everything you need to know before the June 17, 2026 effective date.
Key Takeaways
- New York’s new P2P law takes effect June 17, 2026, changing how liability coverage works for both hosts and guests on Turo.
- Host default liability limits are decreasing from $1.25 million to the new state minimums for peer-to-peer car sharing of $75,000 per person and $150,000 per accident.
- Hosts can opt into the More Peace of Mind earning plan for higher liability coverage of $300,000 combined limit.
- Guests can now purchase Supplemental Liability Insurance (SLI) in New York through Mobilitas for additional coverage to the state minimums for peer to peer vehicle sharing under the updated law.
- No action needed before June 17 — changes apply automatically, but reviewing your protection plan ahead of time is recommended.
We’re committed to keeping you informed whenever our policies change, and this is one worth paying close attention to if you’re a New York host or guest. A newly passed peer-to-peer (P2P) bill in New York State has redefined the liability insurance limits that platforms like Turo are required offer in the state. These changes go into effect on June 17, 2026.
What is Changing and Why?
Previously, New York trips on Turo carried up to $1.25 million in liability coverage. The new state law sets lower minimums for peer-to-peer platforms, which means our existing coverage tiers will be restructured. The law also requires us to offer hosts and guests the option to purchase higher coverage — something we’re building into our host earnings plan options and offerings.
This affects two groups differently: hosts who list their vehicles on Turo, and guests who rent them. Let’s walk through each.
For Hosts: New Default Liability Limits
Under the new law, the previous $1.25 million liability limit for hosts will no longer apply. Additionally, the standard host limit of $750,000 that applied in other contexts will also not carry over under this P2P legislation. Instead, New York hosts will be covered at the new state minimums for peer to peer vehicle sharing.
Under New York’s new peer-to-peer vehicle sharing law, the liability insurance coverage available to hosts will change starting June 17, 2026. The previous $1.25 million liability limit will no longer apply in New York, and neither will the standard host limit of $750,000 that applies in other contexts. In their place, New York hosts will be covered at the new state minimums for peer to peer vehicle sharing of $75,000 per person, $150,000 per accident. Hosts can opt into the More Peace of Mind earnings plan for higher liability coverage of $300,000 combined limit.
For Guests: Supplemental Liability Insurance Now Available in New York
Guests renting vehicles in New York will also see a change in their default liability coverage. The previous $1.25 million liability insurance limit will be replaced by the new state minimums for peer to peer vehicle sharing — consistent with how we handle liability in every other state where Turo operates. The new minimum limits are $75,000 per person, $150,000 per accident.
To give guests a way to increase their coverage, Supplemental Liability Insurance (SLI) will be available for purchase in New York before your trip starts. SLI is currently offered in 23 other states through our partner Mobilitas, and New York will be joining that group. If you’re a guest who wants coverage beyond the state minimum, SLI is the right option for you.
What You Should Do Before June 17
No action is required before the effective date — the changes will apply automatically to trips that begin on or after June 17, 2026. However, we encourage you to take a moment to review your insurance and earnings plan preferences:
If you’re a New York guest, look out for the SLI option at checkout when booking your next trip. SLI can be an affordable way to add an additional layer of protection to your rental.
We’ll continue to communicate updates as this rollout approaches. As always, you can find the most current details about Turo’s host earnings plans and guest protection on our website or by reaching out to our support team.
