How it works
Host earnings plans
Liability insurance is provided under a policy issued to Turo by Travelers Excess and Surplus Lines Company. Terms, conditions, and exclusions apply.
Important: Protection plans and deductibles are determined by the date a trip is booked. Trips booked before January 7 will continue to honor the protection plan and deductible in place at the time of booking. However, the new plans will apply if there’s a vehicle swap on or after that date. This page outlines protection plans for trips booked on or after January 7.
All host earnings plans in the United States come standard with third-party liability insurance from Travelers, as well as varying levels of contractual reimbursement from Turo for physical damage and theft — your out of pocket per trip damage responsibility varies with the plan you choose. For physical damage reimbursements, hosts are responsible for their contribution amount, which varies by plan, and then Turo would reimburse the rest of the eligible repairs up to the actual cash value of the car, or $200,000, whichever is the lesser amount.**
With each plan, you’ll earn a percentage of the total trip price and be responsible for different contribution levels. Each plan also includes specific incidental reimbursement windows and exclusive host insights tailored to help you manage and grow your business.
Turo host earnings plan options***
More peace of mind plan
Earn 70% of the trip price****
$250 damage responsibility**
Up to $750,000 in third-party liability insurance*
Two extra days to submit additional distance and refueling reimbursements
Quarterly updates, expert tips, and strategies to increase your earnings
Balanced plan
Earn 80% of the trip price****
$1,500 damage responsibility**
Up to $750,000 in third-party liability insurance*
One extra day to submit additional distance and refueling reimbursements
Semi-annual updates, expert tips, and strategies to increase your earnings
More earnings plan
Earn 90% of the trip price****
$2,750 damage responsibility**
Up to $750,000 in third-party liability insurance*
Annual updates, expert tips, and strategies to increase your earnings
If you change your mind, you can choose a new plan at any time — but keep in mind that any change you make will only apply to future trips, not currently booked trips.
Frequently asked questions
Do I need my own car insurance?
Yes, you still need your own personal car insurance for your vehicle. You’re required by law to register and insure your vehicle when it’s not being shared on Turo. Note that your personal insurance likely has an exclusion that voids coverage while your car is on a trip. Similarly, the host earnings plans offered on Turo only apply to trips booked on Turo. If your vehicle is damaged when it’s not on a trip with Turo, you would need to file a claim with your own personal car insurance provider.
What happens if my vehicle is in an accident?
In the event that your vehicle is involved in an accident during a trip, your guest should report it immediately. If you notice damage at the end of a trip and your guest hasn’t reported it yet, please report it immediately at http://turo.com/resolutions.
To help ensure eligibility for reimbursement under a host earnings plan, hosts must:
- Take clear photos to document the vehicle’s condition at the start and end of each trip. Use the in-app check-in and checkout features to take and upload the photos.
- Report damage within 24 hours of the end of the trip. A Turo associate will then reach out and guide you through the process.
Visit the Help Center for a deeper dive into all host earnings plans.
Per trip damage responsibility
Per trip damage responsibility refers to the amount you’re responsible for in the event of eligible damage to your car during a Turo trip.
For example, if you have a $250 per trip damage responsibility and your damaged vehicle has an eligible repair cost of $750, you’d be responsible for the first $250 and Turo would pay for the remaining $500. If the repair costs were $100, you’d be responsible for the entire damage bill
Exterior wear and tear
Wear and tear is damage occurring from the normal use of your vehicle and is not eligible for reimbursement. Wear and tear includes dings, dents, cracks, or scratches that are three inches in diameter or less, to the exterior or interior of the vehicle.
Host share
The "host share" is the percentage of the trip price (what you charge for the days your car is booked) you earn from each Turo trip.
For example, if you choose the More peace of mind plan, then you would pocket 70% of each trip price (excluding certain fees and taxes). The remaining 30% covers Turo’s costs for running the platform, customer service, marketing and advertising services that help drive demand and promote hosts’ cars, and roadside assistance services, and for assuming the financial responsibility for potential damage to your vehicle during a trip after your contribution.
Learn more about how “host share” is calculated in our Help Center.
Liability coverage
Third-party liability insurance protects hosts from legal exposure for claims of bodily injury or property damage to a third party (meaning something or someone else) that may occur during a guest’s trip with your car.
For instance, if a guest hits a parked car when driving your car, you would be covered for up to $750,000 by the liability insurance policy provided by Travelers for any claims made by the owner of the parked car. The Travelers policy would not cover any damage to your own car — see the “Physical damage” section to learn about reimbursement for damage to your car.
Physical damage
The host earnings plans in the US also address the allocation of the financial responsibility of physical damage to your car during the trip. Physical damage contractual reimbursement from Turo applies to your vehicle in the event of a collision (when two vehicles hit each other or when a single vehicle hits an object) and most comprehensive events (theft, fire, animal impacts, vandalism, falling objects, etc.) during the trip, and is subject to terms and exclusions.
If any part of the physical damage is not covered by insurance (including, for example, a guest’s personal insurance or a third party’s insurance), each host earnings plan reflects the agreement between the host and Turo as to how to fairly allocate responsibility for the financial consequences of that physical damage. Turo is NOT an insurance company and does not have insurance for physical damage to your vehicle.**
Turo share
The “Turo share” is the percentage of the trip price that Turo retains to help the platform run smoothly, marketing and advertising services that drive demand and promote hosts’ cars, customer support costs, and helps to cover the costs Turo incurs for taking on the financial responsibility for any potential damage to your vehicle after your per trip damage responsibility.
*Liability insurance is provided under a policy issued to Turo by Travelers Excess and Surplus Lines Company. Liability coverage is up to $750,000 for all host protection plans, except in some states and at some airports that require additional coverage. In New York, the liability coverage is $1,250,000. Terms, conditions, and exclusions apply. The policy does not provide coverage for damage to a host’s vehicle. For questions or information about the third-party liability insurance that is included in protection plans, consumers in Maryland and the licensed states listed here may contact Turo Insurance Agency at (415) 508-0283 / claims@turo.agency. For questions about how damage to a host’s vehicle is handled, visit https://turo.com/help.
**Turo is not an insurance company, and contractual reimbursement for physical damage to your vehicle is not insurance. Turo will reimburse hosts for eligible physical damage costs in excess of the per trip damage responsibility amount, subject to terms and exclusions, for the lesser of the cost of repair up to the actual cash value of the vehicle or $200,000. All listings with a total market value of $125,000 or more must provide proof of an active manufacturer-installed tracker. Details here. When a trip is booked in the state of Washington, physical damage to the host’s vehicle is covered by insurance purchased by Turo, but Turo’s insurance does not change the contractual responsibilities of hosts or guests with respect to physical damage to a host’s vehicle.
***Host earnings plans don’t include reimbursement for wear and tear, reimbursement for loss of hosting income, or a replacement vehicle if a vehicle is being repaired.
****Host share varies by market and booking lead time. In most US markets, hosts earn 70%, 80%, or 90% of the trip price depending on the chosen plan. However, in Austin, Dallas, Detroit, Las Vegas, Maui, Philadelphia, Phoenix, San Diego, and Seattle, the host share is dynamically adjusted based on how far in advance a guest books. In these specific markets, earnings ranges are 65–80% (More peace of mind plan), 75–90% (Balanced plan), and 85–100% (More earnings plan). Generally, trips booked further in advance yield a higher host share, while last-minute bookings may result in a lower share to account for increased trip risk. Visit the Help Center for more information.