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How Does Insurance Work With Turo?

When it comes to car rentals, you have a variety of options. You can rent from an airport rental agency or rent from a private owner through a peer-to-peer rental company like Turo. Renting from Turo can be more affordable and convenient, but you may be wondering how insurance works in this situation. Let’s take a look at the ins and outs of that how insurance work with Turo.

Turo’s Insurance Coverage Options

When you rent from Turo, you will have two different coverage options to choose from: their Basic Coverage is also known as their Commercial Host Protection, and their Premium Coverage is also known as their Collision Damage Waiver. The Basic Coverage option is included in all rentals and provides basic liability coverage for bodily injury and property damage that is up to the limits set by your state. It also includes uninsured motorist protection if available in your state.

The Premium Coverage option offers additional protection beyond what the Basic Coverage provides and helps protect both the renter and the host against physical damages caused by an accident or other covered event. This coverage includes a deductible of $500 per claim, but if the host signs up for the optional deductible waiver, then they can reduce the deductible amount to $0 on eligible vehicles. The Premium Coverage also includes 24/7 roadside assistance, trip interruption reimbursement, theft coverage, windshield repair/replacement, and more.

For an additional fee, renters can also opt for supplemental liability protection which increases the liability limit beyond what is offered with either coverage option.

Also Read: What is Claim Settlement in Insurance

Renter Responsibility

It’s important to note that renters are still responsible for any damages caused by them while driving the rental vehicle regardless of whether they selected Basic or Premium Coverage. This means renters should always purchase personal auto insurance before renting with Turo to cover any potential liabilities that may arise due to accidents or other damages caused by them during their rental period.

Additionally, renters should make sure they understand all of Turo’s terms & conditions before signing up for a rental so that they know exactly what is covered under either type of insurance policy as well as what type of responsibility they are taking on when renting a vehicle through this platform.

Turo Car Insurance

Turo Car Insurance is a highly reputable and reliable provider of insurance solutions for car owners and renters. With a focus on innovation and customer satisfaction, Turo Car Insurance offers a comprehensive range of insurance products that cater to the needs of both car owners and renters. Their insurance policies are designed to provide comprehensive coverage, including collision damage, liability, theft, and personal accident coverage. This ensures that both car owners and renters are protected in the event of an accident or theft.

Turo Car Insurance is known for its exceptional customer service, which is provided by a team of knowledgeable and experienced insurance professionals. Their commitment to customer satisfaction is evident in their easy-to-understand insurance policies, flexible coverage options, and competitive pricing. Furthermore, their online platform makes it easy for customers to manage their insurance policy, making the process of obtaining coverage fast and convenient.

Overall, Turo Car Insurance is an excellent choice for anyone in need of reliable and affordable insurance coverage for their car. With its commitment to providing high-quality service and exceptional coverage, Turo Car Insurance is an industry leader that offers peace of mind and security to its customers.

Also Read: What is Type of Insurance


Insurance is an important consideration when renting through Turo because it helps protect both parties involved in case something goes wrong while using one of their vehicles. There are two types of coverage available, Basic & Premium. Both of which offer varying levels of protection depending on your needs and budget.

Additionally, keep in mind that you should always purchase personal auto insurance before renting with Turo so that you are fully covered against any potential liabilities that may arise due to accidents or other damages caused by you during your rental period. Understanding how insurance works with Turo will help ensure peace of mind during your rental experience.

Zoey Annette

Zoey Annette is the editor of Allstate Insurance. She's an Allstate insurance agent and a writer. Zoey loves spending time with her family, reading, and traveling.

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