Does Auto Insurance Cover Turo?

The rise of car-sharing platforms has revolutionized the way people access transportation. Companies like Turo have gained popularity by providing a platform for individuals to rent out their personal vehicles to others.

However, as a renter or an owner on Turo, it is essential to understand the insurance implications and determine whether auto insurance covers Turo rentals.

In this article, we will explore the intricacies of auto insurance coverage for Turo and provide you with the necessary information to make an informed decision.

What is Turo?

Turo is a peer-to-peer car-sharing platform that allows individuals to rent out their personal vehicles to others.

It operates similarly to a rental car service but with the added benefit of choosing from a wide range of unique vehicles owned by individuals.

Turo provides an opportunity for car owners to generate income from their vehicles when they are not in use and offers renters a diverse selection of vehicles to choose from.

Why Auto Insurance Coverage?

Auto insurance is designed to protect vehicle owners and drivers from financial loss in the event of an accident, theft, or damage.

It typically includes different types of coverage, such as liability, collision, comprehensive, and personal injury protection.

However, when it comes to Turo rentals, the coverage may vary depending on several factors.

Traditional Auto Insurance and Turo

Most traditional auto insurance policies are not designed to cover car-sharing services like Turo. These policies typically exclude coverage for commercial use of vehicles or rentals for a fee.

If you are a Turo owner, relying solely on your personal auto insurance policy may leave you exposed to significant risks, as your insurer may deny coverage for Turo-related incidents.

Turo’s Insurance Options

To address the insurance gap, Turo offers its own insurance options to both owners and renters. Turo provides primary liability coverage for the rental period, protecting owners and renters from third-party claims for bodily injury and property damage.

Also, Turo offers physical damage coverage to protect the vehicle itself from damage caused by accidents, theft, or vandalism.

Turo Protection Plans

Turo provides hosts with the option to choose between three protection plans: Minimum, Standard, and Premium.

The Minimum plan offers limited coverage and has a higher deductible, while the Standard and Premium plans provide enhanced coverage with lower deductibles.

Renters are required to select one of these plans when booking a vehicle on Turo.

Personal Auto Insurance Policies and Turo

If you plan to rent a car on Turo, it is important to review your personal auto insurance policy to understand if it extends coverage to rental vehicles. Some policies may provide limited coverage for rental cars, but it is crucial to confirm the details with your insurer.

If your policy does not cover Turo rentals, you may consider purchasing additional coverage through Turo or exploring other insurance options

Credit Card Coverage for Turo Rentals

In some cases, credit card companies offer rental car insurance as a benefit to cardholders. It’s essential to check with your credit card provider to determine if they provide coverage for Turo rentals.

However, keep in mind that credit card coverage may have limitations and exclusions, so it’s crucial to understand the terms and conditions before relying solely on this type of coverage.

Coverage Gaps and Limitations

While Turo provides insurance options and credit card coverage may offer some protection, it’s important to note that there may still be coverage gaps and limitations.

For example, Turo’s insurance may have deductibles and coverage limits, and credit card coverage may exclude certain types of vehicles or only provide secondary coverage.

It’s crucial to carefully review the insurance policies and understand the extent of coverage for your Turo rental.

Factors to Consider

When determining whether auto insurance covers Turo, there are several factors to consider:

1. Policy Exclusions: Review your personal auto insurance policy to check for any exclusions related to car-sharing or commercial use.

2. Turo’s Insurance: Familiarize yourself with the insurance options provided by Turo and understand the coverage limits and deductibles.

3. Credit Card Coverage: Check with your credit card company to determine if they offer coverage for Turo rentals and understand any limitations.

4. Risk Tolerance: Assess your risk tolerance and financial ability to handle potential damages or liability if an incident occurs.

Filing an Insurance Claim with Turo

In the unfortunate event of an accident or damage during a Turo rental, it’s important to know the steps to file an insurance claim.

Turo provides guidelines and support to assist owners and renters through the claims process. It typically involves reporting the incident promptly, providing necessary documentation and information, and cooperating with Turo and the insurance provider to resolve the claim.

How to Save on Turo Insurance

If you frequently use Turo as a renter or own multiple vehicles listed on the platform, the cost of insurance can add up. Here are a few tips to help you save on Turo insurance:

1. Bundle Coverage: If you own multiple vehicles, consider bundling your Turo coverage with your existing auto insurance policy to potentially save on premiums.

2. Choose Wisely: Opt for Turo protection plans that align with your needs. Evaluate the coverage and deductibles to find the right balance between protection and cost.

3. Safe Driving: Maintaining a clean driving record and practicing safe driving habits can potentially lower your insurance premiums.

10 Auto Insurance Companies that May Offer Coverage for Turo rentals:

1. Allstate: Allstate is a well-known insurance company that provides auto insurance coverage and may offer options for Turo rentals. It’s advisable to contact an Allstate representative to inquire about their specific policies regarding Turo.

2. Liberty Mutual: Liberty Mutual is another insurance provider that offers auto insurance coverage. They may have options available for Turo rentals, and it’s recommended to reach out to their representatives for detailed information.

3. GEICO: GEICO is a popular auto insurance company that may provide coverage for Turo rentals. Contact GEICO directly to discuss your specific needs and inquire about their policies related to car-sharing services.

4. Progressive: Progressive is known for its auto insurance offerings, and they may have options available for Turo rentals. Get in touch with Progressive to explore the coverage options they offer for car-sharing services.

5. USAA: If you are a member of the United Services Automobile Association (USAA), they may provide coverage for Turo rentals. USAA is known for offering insurance products and services to military personnel and their families.

6. Nationwide: Nationwide is an insurance company that offers auto insurance coverage. While it’s advisable to confirm with Nationwide, they may have options available for Turo rentals.

7. AAA: AAA is a well-known provider of roadside assistance and other services. They also offer auto insurance coverage that may extend to Turo rentals. Contact AAA for more information on their specific policies regarding car-sharing services.


While traditional auto insurance policies may not typically cover car-sharing services like Turo, which is why it’s important to consider alternative solutions…

Turo provides its own insurance options to both owners and renters, offering primary liability coverage and physical damage protection.

However, it’s essential to review the coverage details, deductibles, and limitations of Turo’s insurance to ensure it meets your specific needs.

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