Does car insurance cover Turo?

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.

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.

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.

Read more: Can I get car insurance for a car that is rented or borrowed from someone else?

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.

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.