
Commercial auto insurance is a must-have for Turo hosts, as it protects them from financial losses in case of accidents or other incidents. In the US, Turo requires hosts to have a minimum of $300,000 in liability coverage.
As a host, you may be wondering what type of insurance is right for you. Fortunately, Turo offers a range of insurance options to suit different needs and budgets. For example, Turo's Host Guarantee provides up to $1 million in coverage for hosts who don't have their own insurance.
Turo's insurance options can be a bit overwhelming, but don't worry, we've got you covered. By understanding the different types of insurance available, you can make an informed decision that protects your assets and provides peace of mind.
Recommended read: Does Usaa Insurance Cover Turo
Peer-to-Peer Car Sharing
Peer-to-Peer Car Sharing is a game-changer for those who need a ride but don't want to own a car. With platforms like Turo, you can rent out your vehicle to others and earn some extra cash.
According to Turo's data, there are over 10 million car sharing trips happening every year. This is a testament to the growing demand for peer-to-peer car sharing.
Renting out your car on Turo can be a lucrative side hustle, with hosts earning an average of $700 per month. However, it's essential to have the right insurance coverage to protect yourself and your vehicle.
Turo requires hosts to have commercial auto insurance to participate in the platform. This ensures that hosts are financially responsible in case of an accident or other damage.
For another approach, see: Does My Insurance Cover Turo
Turo for Hosts
As a host on Turo, you'll need to check with your insurance provider to ensure they'll cover you for renting out your vehicle. Not all insurers will issue a policy for this activity, so be prepared to switch providers if needed.
You may need to switch insurance providers to get coverage in place, and it's a good idea to speak with your broker about your options.
If this caught your attention, see: Can We Switch to Another Aquto Insurance Company after Claim
How Turo Works for Hosts
If you're considering listing your vehicle on Turo, you'll need to check with your insurance provider to ensure they'll cover you for this activity.
Not all insurance companies will issue a policy for Turo, so you may need to switch providers to get coverage in place. Speaking with your broker about your options is a good idea.
Turo insurance coverage will take effect once you've delivered a vehicle to a renter and during the rental period.
Broaden your view: Do I Need Commercial Auto Insurance
Best Hosting Options
As a Turo host, choosing the right insurance options is crucial to protect your vehicle and your business.
Turo only covers your car when it's on a trip, so you'll want to find alternative insurance options for when your car isn't being rented out.
Progressive offers the best insurance discounts for Turo hosts, which can help you save money on your premiums.
Pretected is a great marketplace for finding insurance options, with a wide range of providers to choose from.
For more insights, see: Does Insurance Cover Rental Car for Mechanical Repairs
If you're looking for low premiums, Geico is a good option, but be sure to check the fine print to ensure you're getting the coverage you need.
American Business Insurance (ABI) is a good choice if you only use your car for Turo rentals and don't drive it personally.
If you have multiple Turo cars, Tint offers a convenient solution for managing your insurance needs.
State Farm stands out for its excellent customer experience, making it a great choice if you value good service.
Recommended read: Re Lease Car
Turo for Guests
As a Turo guest, you're provided with insurance coverage for your rental period, which includes liability, accident benefits, and physical damage protection up to the policy limits.
However, this insurance doesn't cover mechanical or interior damage to the host's vehicle, so be sure to review your policy with your broker to confirm coverage.
If you have auto insurance that includes coverage for non-owned vehicles, it will become the primary coverage, so it's a good idea to check your policy before renting.
Additional reading: Amazon Commercial Auto Insurance Policy
You can choose from several insurance coverage options, and the cost depends on the level of coverage selected. Here's a breakdown of the pricing options:
How Turo Works for Guests
As a guest on Turo, you're protected with insurance coverage for your rental period. This includes liability, accident benefits, and physical damage protection up to policy limits.
You don't need to bring your own insurance, but if you have auto insurance that covers non-owned vehicles, it will become the primary coverage.
Insurance on Turo doesn't cover mechanical or interior damage to the host's vehicle, so be mindful of that when you're driving.
Additional reading: Re Quote Car Insurance
Canadian Car Offers
If you're planning a trip to Canada and want to rent a car, you have some options with Turo. Intact Insurance and Economical Insurance are two of the insurance providers that offer Turo insurance in Canada.
If you're looking for a specific type of vehicle, you'll want to check out the car offers in Canada. Jevco Insurance offers Turo insurance in Ontario, which is a great option if you're planning to rent a car in that province.
Here are some of the insurance providers that offer Turo insurance in Canada:
- Intact Insurance
- Economical Insurance
- Jevco Insurance (in Ontario)
- Novex Insurance underwrites policies for Intact
Insurance and Claims
Accidents and damage happen, and Turo has got you covered. If a host or guest is involved in a collision or damages the vehicle, they can file a claim in a few different ways: through the Turo mobile app, at turo.com/resolutions, or by calling the Turo insurance provider.
Claims are handled in-house by A.M. Best “A” rated carriers, and any size fleet, big or small, is eligible for coverage. You won't be personally penalized if a Turo guest gets into an accident while driving your car, and your personal car insurance rates won't be impacted.
To file a claim, you'll need to report damage through the Turo mobile app, at turo.com/resolutions, or by calling the Turo insurance provider. If there are injuries or an emergency, call 911 for assistance.
Discover more: When Not to File an Auto Insurance Claim
How It Work?
If you're renting a car on Turo, you can use either the Turo insurance coverage or your personal policy. If you're a guest, you can rely on the owner's policy.
To rent your vehicle on Turo, you must contact your insurance broker and notify your insurer. Failing to do so could result in denied claims and even policy cancellation.
As a vehicle owner on Turo, you need a Turo commercial auto insurance policy. This is a requirement, not an option.
If you're renting a car, you don't need to worry about insurance as much as the owner does.
Claims
If you're involved in an accident or damage occurs to a vehicle while it's being delivered or rented to a guest, you can file a claim through Turo. There are a few ways to do this, including reporting damage through the Turo mobile app, reporting damage at turo.com/resolutions, or calling your Turo insurance provider.
Accidents and damage claims will apply to the Turo commercial policy, which means you won't be personally penalized. You'll be responsible for any damage above and beyond your insurance or protection plan as a guest.
If you're a host and a guest gets into an accident while driving your car, any damage or accident claims will apply to your commercial Turo policy. This won't impact your personal car insurance rates.
If there are injuries or an emergency, call 911 for assistance.
You can choose from several insurance coverage options when renting a vehicle using Turo, all of which include liability, accident benefits, and physical damage protection up to the policy limits.
Here are the ways to file a claim:
- Report damage through the Turo mobile app
- Report damage at turo.com/resolutions
- Call your Turo insurance provider
What Cover?
If you're using Turo, you might be wondering what kind of insurance coverage you have. Turo insurance is a commercial auto insurance that you add to your existing policy when you list your vehicle on the platform.
Turo insurance for hosts activates when your vehicle is being delivered to patrons and when your car is actively rented. You don't need to worry about filing a claim in person, you can report damage through the Turo mobile app, at turo.com/resolutions, or by calling your Turo insurance provider.

The level of coverage you have will depend on the plan you choose. You can select from several insurance coverage options, all of which include liability, accident benefits, and physical damage protection up to the policy limits.
For guests, Turo insurance coverage is included in the rental period. You can choose from several insurance coverage options, and all plans include liability, accident benefits, and physical damage protection up to the policy limits.
If you have auto insurance that includes coverage for non-owned vehicles, this will become the primary coverage. You can review your policy with your broker to confirm coverage.
The cost of Turo insurance for guests depends on the level of coverage selected. Here's an overview of the protection plan pricing options for guests in Canada:
Insurance coverage does not include mechanical or interior damage to the host's vehicle, and wear and tear due to leasing your car to people through the Turo platform is not covered.
For another approach, see: Does Not Wearing a Seatbelt Affect Insurance Claim
Program Details
If you're a Turo host, you need to have a Turo commercial auto insurance policy, which can be added to your existing policy. This coverage activates when your vehicle is being delivered to patrons and when it's actively rented.
Turo insurance is similar to how Uber insurance works, providing coverage for hosts when their vehicle is being used for rental purposes. It's essential to contact your insurance broker and notify your insurer if you plan to rent your vehicle on Turo.
If you're a guest renting a vehicle from Turo, you can use Turo insurance coverage or your personal policy. This is similar to rental car insurance, and you can take out additional coverage when driving a vehicle that's not yours.
Here are some key facts about Turo car insurance:
- Regular Auto coverage is underwritten by A.M. Best “A” rated carriers.
- Turo has been a leader in the car rental industry since 1980.
- All claims are handled in-house, making the process more efficient.
- Turo offers coverage for any size fleet, big or small.
- No obligation policy comparison is provided.
- Counter products are available to boost your bottom line.
- Risk Management & Loss Control Services are offered.
- Claims Analysis & Loss Run Reviews are also available.
- A Standalone Rental Subrogation Unit is provided.
Talk with Our Brokers about Your Options
If you're in need of Turo insurance, it's a good idea to talk with our brokers about your options. They'll help you get the best coverage at the best rates.
We work with a variety of insurance providers, including Intact Insurance, Economical Insurance, and Jevco Insurance in Ontario. You can also consider Novex Insurance, which underwrites policies for Intact.
If you're a Canadian host, you have two options to choose from: Plan 75 and Plan 85. Plan 75 provides 75% of the trip cost with no deductible and $2 million in third-party liability coverage. Plan 85 offers 85% of the trip cost with a $2000 deductible and $2 million in third-party liability coverage.
You can get an insurance quote for Turo cars and get the protection you need whether you're a vehicle owner or renter. Insurance costs are built into the fee and plan schedule you select.
Here are the details of the two plan options:
Our brokers will help you navigate the options and find the best fit for your needs.
Cost and Options
Turo insurance costs are built into the fee and plan schedule you select, so you won't have to pay extra for coverage.
For Canadian hosts, there are two options: Plan 75, which offers 75% of the trip cost with no deductible and $2 million in third-party liability coverage, and Plan 85, which offers 85% of the trip cost with a $2000 deductible and $2 million in third-party liability coverage.
Insurance costs for guests depend on the level of coverage selected, with options ranging from a Premium protection plan that's 80% of the trip cost or a minimum fee of $15 a day, to a Decline protection option with no cost.
Here are the Turo insurance cost options for guests in Canada:
Turo's host insurance costs anywhere between 10% to 40% of the total trip price, depending on the plan you pick.
Host Cost
As a host on Turo, you'll want to consider the costs associated with offering your car for rent. Your insurance and fees are less if you're willing to take on more risk and increase your deductible.

Turo insurance costs for hosts can range from 10% to 40% of the total trip price, depending on the plan you choose. For example, if someone rents your car for a week and the cost of the trip is $2,000, you could take home $1,200 with the 60 Plan or $1,800 with the 90 Plan.
You have the option to choose from different plans to maximize your earnings while still having most of the coverage. The 75 Plan is a good compromise, allowing you to take home $1,500 on a $2,000 trip with a $250 deductible.
Here's a breakdown of the costs for hosts:
Keep in mind that these costs are in addition to your deductible, which can vary depending on the plan you choose.
Best for Car
ABI's Period X insurance policy is a great option for Turo car owners who don't drive for personal use. It provides coverage for the times when the car isn't being rented but still needs to be driven, such as for car washes, repairs, or maintenance.
This policy has some nifty features, including GPS tracking of your vehicles and mileage. You can also set it up to give you geofencing alerts and notifications for things like vehicle maintenance or billing reminders.
However, it's worth noting that ABI's Period X policy may be a little pricey, and you can only drive 250 miles a month.
Getting Started with Turo
To get started with Turo, it's essential to understand how their insurance works for hosts. Vehicle owners must check with their insurance provider to ensure they can use Turo.
Not all insurers will issue a policy for this activity, so you may need to switch providers to get coverage in place.
Frequently Asked Questions
Does Turo have commercial insurance?
Turo offers commercial insurance options for car owners renting their vehicles, which can be chosen through the platform while listing your car
Does commercial auto insurance cover rental cars?
Yes, commercial auto insurance can cover rental cars, providing protection for businesses that use vehicles for work. This coverage extends to a variety of vehicles, giving you peace of mind on the road.
Do I need to tell my insurance that my car is on Turo?
Yes, you need to inform your insurance provider about your car being listed on Turo to ensure your policy remains valid. Check your country's specific requirements for car sharing on our website
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