Turo Protection Plans Compared

Turo offers three host protection plan tiers. The right choice depends on your vehicle value, risk tolerance, and how much of your earnings you want to keep. Here is a complete comparison with recommendations.

Minimum

$2,500 deductible
You keep 85%
Physical damage Up to vehicle value
Liability $750K combined

Best for: Experienced hosts with cheap-to-repair vehicles who want maximum earnings

Standard

$1,250 deductible
You keep 75%
Physical damage Up to vehicle value
Liability $750K combined

Best for: Most hosts -- balanced protection with reasonable earnings share

Premium

$500 deductible
You keep 60%
Physical damage Up to vehicle value
Liability $750K combined

Best for: Luxury/expensive vehicles or hosts who want peace of mind

Feature-by-Feature Comparison

Deductible
$2,500
$1,250
$500
Min: $2,500 | Std: $1,250 | Prem: $500
Earnings you keep
85%
75%
60%
Min: 85% | Std: 75% | Prem: 60%
Physical damage coverage
Up to value
Up to value
Up to value
Min: Up to value | Std: Up to value | Prem: Up to value
Liability coverage
$750K
$750K
$750K
Min: $750K | Std: $750K | Prem: $750K
Wear and tear exclusion
Under 3"
Under 3"
Under 3"
Min: Under 3" | Std: Under 3" | Prem: Under 3"
Claims processing
Snapsheet
Snapsheet
Snapsheet
Min: Snapsheet | Std: Snapsheet | Prem: Snapsheet
Break-even repair cost
>$2,500
>$1,250
>$500
Min: >$2,500 | Std: >$1,250 | Prem: >$500
Monthly cost on $100/day car
~$450 saved
Baseline
~$450 more
Min: ~$450 saved | Std: Baseline | Prem: ~$450 more

When Each Plan Makes Sense

Choose Minimum ($2,500 deductible) when...

  • • Your vehicle is worth under $15,000 (lower risk)
  • • You have a cash reserve to cover the deductible
  • • You operate in a low-damage-risk market
  • • Maximizing per-trip earnings is your priority

Choose Standard ($1,250 deductible) when...

  • • You want a balanced approach (most hosts choose this)
  • • Your vehicles are in the $15K-$40K range
  • • You have 3-10 vehicles and need predictable costs
  • • You can absorb a $1,250 hit without financial stress

Choose Premium ($500 deductible) when...

  • • You have luxury or high-value vehicles ($40K+)
  • • Repair costs are expensive (Tesla, BMW, Mercedes)
  • • You are risk-averse and prefer peace of mind
  • • Your daily rate is high enough to absorb the earnings cut

The Deductible Decision

Your deductible is the amount you pay out of pocket before Turo's coverage kicks in. A higher deductible means more earnings per trip but more risk per claim. The math is straightforward:

If (estimated repair cost > your deductible) → file a claim
If (estimated repair cost < your deductible) → absorb the cost

This is why knowing the actual repair cost before filing is critical. Use our claim vs absorb calculator to run the numbers, or get an instant estimate to know your repair cost.

What All Plans Have in Common

  • • All plans use Snapsheet for claims processing -- none get you faster or higher-quality estimates
  • • All plans have the 3-inch wear-and-tear exclusion -- small scratches are never covered
  • • None cover mechanical failure unless caused by guest misuse
  • • 24-hour reporting deadline applies to all plans

Claim vs. Absorb Calculator

Run the numbers to see if filing a claim makes financial sense.

Common Turo Damage Costs

Real repair cost ranges for popular Turo fleet vehicles.

Know your repair cost before choosing a plan

Upload a photo and get an instant estimate to see if your damage is above or below your deductible.

Get Your Free Estimate