Is Turo covered by car insurance?

Turo is covered by car insurance, but not through your personal auto insurance policy. You'll need commercial car insurance if you want to host on Turo, or you can buy Turo car insurance through the company. Guests who rent cars will need to have a personal car insurance policy as well, but you can buy Turo liability insurance with higher coverage limits for the duration of your rental. Turo car insurance is underwritten by Liberty Mutual.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 24, 2021

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The Rundown

  • Turo is a platform that pairs people who want to rent out their cars with people looking to rent cars.
  • Your personal car insurance policy won’t cover Turo as this constitutes business use of your vehicle.
  • You can purchase car insurance through Turo that is underwritten by Liberty Mutual.

Turo is a new company similar to Uber and Airbnb except that instead of sharing rides and rooms, vehicle owners can rent their cars out to others. While this may seem like an exciting new concept, many people are wondering, “is Turo covered by car insurance?”

After all, if you rent an expensive car for a week and get in an accident, you don’t want to be on the hook for costly repairs. On the other hand, if someone wrecks your vehicle, you’ll want to make sure your car insurance reimburses you for damages.

Keep reading below to learn if car insurance covers Turo as a host, if car insurance covers Turo as a guest, and how Turo works. But before you do, enter your ZIP code into our free comparison tool above to find affordable car insurance in your area.

Does my insurance cover Turo?

That depends. The Turo system is broken down into guests and hosts, and insurance situations differ between the two.

Hosts, or people who rent out their cars on the Turo platform, are required to have a personal car insurance policy before they can rent their vehicles out on the platform. However, your car insurance policy may not cover any damages that occur.

Since you’re renting your car out for business purposes, your personal car insurance policy won’t take effect. Turo offers their own insurance options for hosts, but you may want to invest in a commercial car insurance policy as well, just to be safe.

If you’re still wondering, “can I use my own car insurance for Turo?”, the answer is yes, but only if you have a commercial car insurance policy. Compare commercial car insurance rates from at least three different car insurance companies before you buy to find the best deal.

Will my insurance cover Turo as a guest?

As we mentioned earlier, you’ll need to buy commercial car insurance coverage or Turo insurance to host your vehicle. But if you’re a guest who is looking to rent a car, you may be wondering, “will my insurance cover Turo?”

Unfortunately, no. Your personal car insurance policy won’t cover the cost of any damages if you wreck your rental car. However, if you have nonowner car insurance coverage, you could have some liability coverage kick in should you damage someone else’s car.

Turo offers liability coverage to guests at three different tiers: premier, standard, and minimum. The minimum coverage has a $3,000 deductible, so choose standard or premier if you can afford them.

It’s wise to pay for Turo’s liability coverage as your own policy won’t kick in should you wreck your rental car. Nonowner coverage can be a huge relief too, so if your current provider doesn’t offer it, compare car insurance quotes from other companies to find one that does.

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How does Turo work?

Like Airbnb and Uber, Turo works by pairing hosts with guests looking to rent cars. Demand on the app has increased by 70% over the past few weeks according to Yahoo Finance.

Hosts simply have to list their vehicle on the Turo website or app and wait until guests message them about booking their car. Hosts can say how long they are willing to rent out their car and confirm or decline potential bookings at their leisure.

Of course, Turo does have some stipulations. For example, cars must be in decent shape and meet certain standards of drivability. But for the most part, it’s a simple and easy way to earn some extra money.

Now that you know if Turo is covered by car insurance, start shopping today. Enter your ZIP code into our free comparison tool below to buy car insurance from providers near you.

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