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: Jun 4, 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: Jun 4, 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?
The extent of Turo insurance coverage hinges on various elements. Conventional auto insurance providers might not extend coverage to Turo rentals. Notably, companies like Geico, Allstate, and Progressive typically omit Turo from their policies. Nonetheless, Liberty Mutual presents an additional coverage option tailored for Turo hosts in its insurance review.
How does Turo car insurance work?
Understanding the best insurance for Turo hosts involves grasping Turo insurance’s nuances. Whether you’re a borrower or a host determines how Turo insurance works. As a borrower, choosing Turo’s protection plan might obviate the need for personal insurance coverage. Turo’s liability insurance then supplements your existing coverage, with varying coverage amounts: up to $750,000 in the United States, £20,000,000 in the United Kingdom, and $2,000,000 in Canada. For car owners, personal insurance typically doesn’t cover Turo rentals. However, Liberty Mutual offers tailored supplemental coverage for Turo hosts. This succinctly explains Turo insurance, providing insights into the best insurance options for Turo hosts.
Do I need personal insurance if I rent a Turo car?
When you book a Turo trip with one of Turo’s protection plans, you might not need your own personal insurance coverage. Turo’s liability insurance will act as a supplement to your personal policy. However, it is crucial to review the terms and coverage limits to make sure you are fully protected. For more on similar services, you might want to check out advantage car rental Connecticut or discuss Allstate Milewise on Reddit.
Does my personal car insurance cover Turo rentals?
Most personal car insurance policies do not cover the business use of your car, including renting it out on Turo. For example, Allstate Turo coverage typically doesn’t apply. 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, such as American Express Turo coverage.
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 must inform your car insurance company if you are using your car for Turo. This is important even if you have Amex rental car insurance, as Amex Turo coverage might have specific requirements or limitations.
Does AAA insurance cover Turo?
It’s advisable to reach out to AAA directly to ask about their amex turo insurance coverage for car rentals in Thompson, CT.
Does Allstate cover Turo rentals?
Allstate generally does not cover Turo rentals; however, for the most precise details, you should verify directly with them. For those with Costco renters insurance or if you’re involved in a Florida Turo rental accident, it’s particularly important to confirm coverage specifics.
Does American Express cover Turo rentals?
American Express likely does not cover Turo rentals with their car rental insurance. To be certain, review your card’s benefits or get in touch with American Express. For information about Geico and Turo, including any Geico car rental discounts, check directly with Geico.
Does Amex car rental insurance cover Turo?
Typically, the car rental insurance provided by American Express might not extend to Turo rentals. It’s advisable to double-check directly with American Express to ensure accurate information regarding whether Geico covers Turo and provides peer-to-peer car insurance.
Does Mercury Insurance cover Turo?
You should directly reach out to Mercury Insurance to confirm whether their standard policies extend coverage to Turo rentals. This is particularly relevant if you’re considering renting through Turo in Georgia and want assurance about coverage in case of an accident. Similarly, if you’re looking into Geico’s coverage for Turo or have experienced a rental accident in Georgia with Turo, it’s crucial to verify the specifics with the respective insurance provider.
Does Liberty Mutual cover Turo rentals?
Liberty Mutual offers supplemental coverage for Turo hosts. You should check with them for details on coverage.
Does my auto insurance cover Turo?
Most standard auto insurance policies do not cover Turo rentals. Contact your insurance provider for confirmation.
Does my Geico insurance cover Turo?
Geico typically does not cover Turo rentals, but it’s best to confirm directly with them.
Does my personal insurance cover Turo?
Personal auto insurance policies may not cover Turo rentals. You should check with your provider for details.
Does Nationwide cover Turo?
Nationwide may not cover Turo rentals under their standard policies. Contact them for confirmation.
Does Progressive cover Turo rental cars?
Progressive may not cover Turo rentals, but you should verify with them directly.
Does Safeco cover Turo rentals?
Safeco may not cover Turo rentals under their standard policies. Contact them for confirmation.
Does State Farm cover Turo rentals?
State Farm typically does not cover Turo rentals, but you should check with them for the most accurate information.
Does USAA car insurance cover Turo?
USAA may not cover Turo rentals, but you should contact them directly for confirmation.
Does Travelers insurance cover Turo?
Travelers insurance may not cover Turo rentals, but you should verify with them for accurate information.
Does Esurance cover rental car damage?
Esurance may cover rental car damage under certain circumstances, but you should review your policy or contact them for details.
What does Turo standard insurance cover?
Turo’s standard insurance typically includes liability coverage, physical damage protection, and coverage for theft or vandalism. It’s crucial to review the specifics of their insurance policies, especially in the event of an Illinois Turo rental accident or a New Jersey Turo rental accident.
What insurance companies cover Turo?
Certain insurance providers, like Liberty Mutual, provide additional protection specifically tailored for Turo rentals. Nevertheless, the extent of coverage can differ, hence it’s advisable to verify with your insurer. Additionally, Progressive may offer coverage for Turo, but confirming with them directly is recommended, especially if you’re seeking premier protection for Turo.
What insurance covers Turo rentals?
Turo provides insurance choices for both renters and hosts, while additional coverage for Turo rentals may be available from select insurance providers like Progressive Insurance and American Express Insurance.
What insurance does Turo use?
Turo offers its own insurance options, including liability coverage and physical damage protection, for both renters and hosts.
Do I need Turo protection plan?
Turo’s protection plans offer additional coverage beyond your personal insurance. Whether you need it depends on your personal preferences and risk tolerance.
Do you need insurance to rent a car from Turo?
Turo offers insurance options for renters, but you may also have coverage through your personal auto insurance or credit card. Check with Turo for details.
Can Turo cars be driven out of state?
Turo rentals can typically be driven out of state, but you should review the rental agreement and any insurance restrictions before doing so.
Is Turo a licensed rental agency?
Turo operates as a peer-to-peer car-sharing platform, so it may not be considered a traditional rental agency. However, it may be subject to local regulations.
Is Turo considered a rental car company?
Turo operates in a similar manner to rental car companies, but it’s a peer-to-peer car-sharing platform rather than a traditional rental company.
Is Turo insurance worth it?
Whether Turo insurance is worth it depends on your individual needs and circumstances. Consider factors such as your personal insurance coverage, the value of the rental car, and your risk tolerance when making a decision.
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.