Does car insurance cover Turo?
Wondering does car insurance cover Turo? Most auto insurance companies don't see Turo cars the same as rental cars, so Turo owners usually need Turo's own car insurance coverage. For a basic Turo car insurance policy, Turo will keep 15% of the trip price and let the Turo owner keep 85%.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Mar 2, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Turo is a private carsharing company that allows people to rent out their personal cars
- Car insurance will not cover Turo without an adjustment to your policy
- According to the majority of car insurance companies, Turo is not the same as a rental car
Does car insurance cover Turo? It depends on the insurance company you are with. Not all of the best car insurance companies will cover Turo cars when they are rented out. The ones who do will usually require Turo owners to add-on extra insurance in order for the car to be covered.
If your insurance company won’t cover Turo vehicles, then you will have to get auto insurance through Turo. Read on the learn more about how insurance works with Turo. If you want to shop around for insurance at a company that covers Turo vehicles, enter your ZIP code and get free car insurance quotes today.
How Turo Car Insurance Works
Whether or not car insurance covers Turo is not a straightforward yes or no answer. It depends, first of all, on whether you are a Turo borrower or a Turo host. It is also dependent on if you have personal insurance already.
Let’s take a look at the two sides of Turo: the borrower and the host.
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Turo Car Insurance As A Borrower
According to the majority of insurance companies, Turo is not the same as a rental car. Because of this, insurance that covers you for rentals may not cover you for Turo. Geico insurance, Progressive Insurance, and Allstate insurance all completely exclude Turo.
Many private car insurance policies cover you when you’re driving a rental car, but a privately owned car is a different situation. As a general rule, the insurance follows the car. Personal insurance, however, doesn’t cover business use of a car. (For more information, read our ” Can I get car insurance for a car that is rented or borrowed from someone else?“).
Read more: Does my car insurance cover rental cars when I am traveling out of town?
So how do you get insurance to drive a Turo car? Fortunately, Turo steps in.
Turo Insurance Provided for Renters
If you book a trip with a protection plan that is made available by Turo, then you don’t need personal insurance coverage.
If you do have personal insurance that provides coverage, Turo’s liability insurance provider will supplement your personal coverage. It varies by country and is different in the United States, Canada, and the United Kingdom.
According to Turo, in the United States, Turo will cover up to $750,000 of supplemental insurance. In the United Kingdom, coverage is up to £20,000,000, and it’s up to $2,000,000 in Canada.
Turo Car Insurance As An Owner
Your car insurance will cover a friend who borrows your car, but when someone rents it, that’s for business purposes.
Read more: Can I get car insurance for a car that is used for business purposes?
Most private car insurance policies do not cover the business use of your car. The best commercial car insurance companies, however, will allow you to purchase commercial car insurance protection that covers business use.
Your primary car insurance company will likely not cover you if you offer it on Turo. However, Liberty Mutual insurance offers supplemental coverage for Turo hosts (read our Liberty Mutual Insurance Review to learn more about the company).
Liberty Mutual offers what is called Coverage on Personal Lines auto policy. Customers who have anywhere between one and four personally owned cars for rent on Turo can use this coverage. There will be a note on your account stating the cars are used for Turo.
| Coverage | Basic | Standard | Premium |
|---|---|---|---|
| Liability Limits | $1,000,000 | $1,000,000 | $1,000,000 |
| Physical Damage Limits | $125,000 | $125,000 | $125,000 |
| Physical Damage Deductible | $3,000 | $0 | $0 |
| Rental Vehicle Reimbursement | X | $30/day | $30/day |
| Exterior Wear and Tear Coverage | X | X | Yes |
| Loss of Income Coverage | X | X | Yes (based off vehicle's earnings) |
| Portion of Trip Price Kept by Host | 85% | 75% | 65% |
| Turo Coverage Fee | 15% | 25% | 35% |
There are different coverage types that are available for Turo owners. Each coverage option has either a basic, standard, or premium plan.
Other insurance companies may soon offer options for Turo owners as well. Speak with your company to find out what coverage add-ons will work with Turo.
Case Studies: Understanding Turo Car Insurance
Case Study 1: Supplemental Coverage
Michael wanted to rent a car through Turo but realized his personal insurance did not cover Turo rentals. To ensure proper coverage, he opted for Turo’s protection plan, offering up to $750,000 in supplemental insurance.
Case Study 2: Additional Coverage for Turo Owners
Samantha listed her car on Turo for extra income but discovered her personal auto insurance didn’t cover Turo rentals. She purchased an add-on coverage from Liberty Mutual, designed specifically for Turo hosts, to protect herself and her vehicle.
Case Study 3: Exclusions by Traditional Auto Insurance
David, a Turo borrower, assumed his existing insurance would cover him for a Turo rental. However, he found out that his insurance company excluded Turo from their coverage. David turned to Turo’s liability insurance, which supplemented his personal coverage and provided peace of mind during his Turo rental.
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Turo Car Insurance: The Bottom Line
So does car insurance cover Turo? When renting through Turo, you are not automatically insured. You should always consider buying supplemental car insurance from Turo.
If you are the owner of the car, your personal insurance won’t cover you. However, Liberty Mutual does offer an add-on for Turo owners. Other insurance companies may also offer a business-use option to get cheap Turo car insurance policies.
Make sure you have the best Turo car insurance. Enter your ZIP code for free insurance quotes from top companies today.
Frequently Asked Questions
Does car insurance cover Turo?
Whether car insurance covers Turo depends on several factors. Traditional auto insurance companies may not provide coverage for Turo rentals. Some companies, such as Geico, Allstate, and Progressive, exclude Turo from their policies. However, Liberty Mutual offers an add-on coverage for Turo hosts.
How does Turo car insurance work?
Turo car insurance varies depending on whether you are a borrower or a host. As a borrower, if you book a trip with a protection plan provided by Turo, you may not need personal insurance coverage. Turo’s liability insurance will supplement your personal coverage. The coverage amounts vary by country, with Turo offering up to $750,000 in the United States, £20,000,000 in the United Kingdom, and $2,000,000 in Canada. As an owner, your personal insurance typically won’t cover Turo rentals, but Liberty Mutual offers supplemental coverage for Turo hosts.
Do I need personal insurance if I rent a Turo car?
If you book a Turo trip with a protection plan offered by Turo, you may not need personal insurance coverage. Turo’s liability insurance will supplement your personal coverage. However, it’s important to review the terms and coverage limits to ensure you have adequate protection.
Does my personal car insurance cover Turo rentals?
Most personal car insurance policies do not cover the business use of your car, which includes renting it out on Turo. If you offer your car on Turo, your primary car insurance company is unlikely to provide coverage. It’s advisable to check with your insurance provider or consider purchasing additional coverage specifically for Turo rentals.
What coverage options are available for Turo owners?
Turo auto insurance offers different coverage options for owners, including basic, standard, and premium plans. The coverage options and limits may vary, so it’s essential to review the details and choose the appropriate coverage for your needs. Additionally, other insurance companies may offer coverage add-ons for Turo owners, so it’s worth exploring options with your insurance provider.
Do you tell your car insurance about Turo?
Yes, you need to tell your car insurance company if you are using your car for Turo.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.