This post contains affiliate links.
Turo overhauled its protection plan structure in January 2026. Whether you are a host deciding how much risk to carry or a guest figuring out what you are actually covered for, the plan names changed and the numbers shifted. Here is exactly how each plan works, what it costs, and which one makes sense for your situation.
How Turo Protection Plans Work
Turo runs two separate protection systems: one for hosts (the car owners) and one for guests (the renters). The host plan determines how much of a damage claim you cover out of pocket and how much of the trip price you keep. The guest plan determines what happens to your wallet if the car gets damaged while you are driving it.
Turo Host Protection Plans (2026)
As of January 7, 2026, Turo simplified its host plans to three tiers named by the percentage of trip revenue hosts earn: the 60, 75, and 90 plans. All three include up to $750,000 in third-party liability coverage.
| Plan | Host Earnings | Deductible | Replacement Vehicle |
|---|---|---|---|
| 60 Plan | 60% of trip price | $0 | $50/day (up to 10 days) |
| 75 Plan | 75% of trip price | $250 | $30/day |
| 90 Plan | 90% of trip price | $2,500 | Not included |
60 Plan: Maximum Protection, Lower Earnings
On the 60 Plan, Turo absorbs all eligible damage costs with no out-of-pocket expense to you. You get $50 per day toward a rental car while yours is being repaired, up to 10 days. The tradeoff is keeping only 60% of each trip price. This plan makes sense for newer hosts, hosts with financed or leased vehicles, and anyone who does not want to self-insure against a large repair bill.
75 Plan: The Middle Ground
The 75 Plan splits the difference. You keep 75% of trip revenue and pay the first $250 on any damage claim. Turo covers everything above that. Replacement vehicle coverage is $30 per day. This is the most popular plan for established hosts who want to earn more while keeping exposure manageable. A $250 deductible is small enough that a few solid trips cover it.
90 Plan: Highest Earnings, Real Risk
The 90 Plan pays hosts 90% of the trip price. But the deductible is $2,500, and there is no replacement vehicle coverage. If a guest damages your car, you are on the hook for the first $2,500 before Turo contributes anything. This plan suits hosts who have cash reserves, older vehicles with low market value, or multiple listings where the extra income justifies the deductible exposure.
Turo Guest Protection Plans (2026)
When you rent a car on Turo as a guest, you can add the Premier guest protection plan at checkout. Premier covers you against financial responsibility for physical damage to the host's vehicle (with exclusions noted below). The cost ranges from 65% to 100% of the daily trip price, with a minimum charge of $14 per day.
Without guest protection, you are relying on your personal auto insurance or credit card coverage to handle damage claims. Not all personal policies cover peer-to-peer rentals, and credit card coverage rules vary. Before skipping guest protection, call your insurer and confirm coverage for Turo specifically.
What Turo Protection Plans Do NOT Cover
Turo protection plans have exclusions that catch both hosts and guests off guard:
- Mechanical or electrical breakdown — wear, misuse, or neglect is not covered by any plan
- Interior damage such as stains, burns, or odors — excluded from guest Premier coverage
- Items left in the car — personal belongings are not covered
- Policy violations — unauthorized drivers, commercial use, or driving outside the approved area voids coverage
- Off-road use — standard plans do not cover damage from unpaved or off-road driving
Which Turo Plan Should You Choose?
For hosts just starting out, begin with the 60 or 75 Plan. The $2,500 deductible on the 90 Plan can wipe out months of earnings if a guest damages a vehicle early in your hosting career. Once you have 50+ completed trips and a stable history, the 90 Plan becomes worth considering on older or lower-value vehicles. Keep higher-value or financed cars on the 60 or 75 Plan regardless of experience level.
For guests, add Premier coverage if your personal auto insurance does not explicitly cover peer-to-peer rental platforms. Call your insurer before the trip and ask specifically whether Turo rentals are covered. If they are not, add Premier at checkout. For more on what to expect as a Turo renter, see our guides on Turo age requirements, Turo background checks, and whether Turo is worth it for hosts.
