Does State Farm Cover Turo Rentals? The Answer is Here!

Does State Farm Cover Turo Rentals? The Answer is Here!
Author: Joy Aliyu
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Turo has become a popular car rental option, but many wonders if their insurance will cover it.

This article will explore whether State Farm insurance policies cover Turo rentals.

You will find out what alternatives are available. Also, you will learn tips for renting a car on Turo and ensuring you have adequate insurance coverage.

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Key Takeaways

  • Turo offers insurance policies that cover Turo rentals, but State Farm’s car insurance policies do not cover Turo rentals.
  • Turo offers two types of insurance coverage: basic and premium, while State Farm does not offer coverage for Turo rentals at all.
  • If you plan to rent a car through Turo, carefully review the available insurance options and consider purchasing additional coverage.
  • In an accident, following the appropriate steps, such as reporting the incident to Turo and the relevant insurance provider, is essential.
  • When renting a car through Turo, it is crucial to choose a reliable and trustworthy host and to thoroughly review their ratings and reviews before booking.

State Farm Insurance Coverage

State Farm is one of the largest car insurance providers in the United States, offering a range of policies to meet the needs of different drivers.

Regarding car rental coverage, State Farm policies typically cover rentals used as a temporary substitute for the insured vehicle, such as during repairs.

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However, whether State Farm covers Turo rentals is a common question among renters.

Unfortunately, State Farm does not offer coverage for Turo rentals, as Turo is considered a peer-to-peer car-sharing service rather than a traditional car rental company.

This means that renters must obtain their own insurance coverage for Turo rentals.

But, there are alternatives for renters who wish to obtain insurance coverage for Turo rentals. Turo offers its own insurance options, including liability insurance and physical damage protection, which renters can purchase when booking.

Additionally, some credit cards offer rental car insurance coverage that may apply to Turo rentals.

In all, it’s essential to carefully review all insurance options and policies before renting a car through Turo.

Turo’s Insurance Policies

Unlike traditional car rental companies, Turo offers insurance policies for renters and owners. Turo’s insurance policies are designed to protect both renters and owners in case of an accident or damage to the car during the rental period.

Turo’s primary insurance coverage, included in every rental, provides liability coverage of up to $1 million for the renter and $1 million for the owner.

This coverage also includes physical damage protection for the car up to the actual cash value of the vehicle, with a $3,000 deductible for the renter.

For those who want more protection, Turo offers premium insurance coverage options.

The premium policies include “Standard” and “Premium” plans, which offer lower deductibles and higher limits for liability and physical damage protection.

The premium coverage plans also offer coverage for loss of income for owners in the event of an accident.

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Compared to State Farm’s coverage, Turo’s insurance policies are more comprehensive and tailored to the unique needs of car-sharing.

While State Farm may cover some aspects of Turo rentals, it is recommended that renters and owners also purchase Turo’s insurance coverage.

This step will help ensure adequate protection in the event of an accident or damage to the car.

Tips for Renting a Car on Turo

Renting a car on Turo can be a great experience if you follow a few tips to ensure a smooth rental process. Here are some tips to consider:

1. Ensure you have adequate insurance coverage

Turo offers insurance coverage, but it’s essential to understand the policy and whether it’s sufficient for your needs.

Consider purchasing additional coverage if necessary.

2. Know what to do in case of an accident

Accidents can happen, so it’s important to know what to do in case of an incident.

Familiarize yourself with Turo’s policies and procedures, and have the necessary information readily available in an emergency.

3. Choose a reliable Turo host

When selecting a Turo host, read the reviews and ratings from previous renters.

This information can give you a good idea of the host’s reliability and the quality of their vehicles.

Also, don’t be afraid to ask the host questions before booking to ensure they fit your needs well.


Turo can be a great alternative to traditional car rental services, providing more options and flexibility.

However, it’s crucial to fully understand Turo’s insurance policies and take necessary precautions to ensure a smooth rental experience.

Following the tips outlined in this article, you can confidently navigate renting a car on Turo and enjoy the freedom and flexibility of having your wheels on your next trip.

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Frequently Asked Questions

Can I add coverage for Turo rentals to my State Farm policy?

No, State Farm does not offer an option to add coverage for Turo rentals.

What are my insurance options when renting a car through Turo?

Turo provides basic and premium insurance coverage options for renters.

Is Turo’s insurance coverage sufficient for my rental needs?

It depends on your specific needs and risk tolerance.

You may consider purchasing additional coverage through Turo or a third-party insurance provider.

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