Turo Insurance: The Ultimate Guide

Turo Insurance: The Ultimate Guide
Author: Joy Aliyu
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Are you planning to rent a car through Turo but unsure about the insurance costs? Look no further!

In this article, we’ll give you all the information you need about Turo insurance and how much it costs.

With this, you can make an informed decision and enjoy your rental experience with peace of mind.

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Key Takeaways

  • Turo offers three insurance options: liability, physical damage, and premium.
  • The cost of Turo insurance depends on several factors, including the type of coverage, the duration of the rental, and the driver’s age and driving history.
  • Compared to traditional car rental insurance, Turo insurance can be a more affordable option.
  • To get Turo insurance, drivers must select a coverage option during the booking process and provide some basic information about themselves and their driving history.
  • To save on Turo insurance, drivers should consider choosing the right insurance option for their needs, joining Turo’s Protection Plan, and maintaining a good driving record.

Types of Turo Insurance

When you rent a car through Turo, you have the option to purchase insurance to protect yourself and your rental car.

There are three types of insurance offered by Turo: Liability Insurance, Physical Damage Insurance, and Premium Insurance.

A. Liability Insurance

Turo’s liability insurance provides coverage for third-party claims against you for bodily injury or property damage that you’re legally responsible for.

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This insurance option is mandatory and included in the rental price.

The coverage limit is up to $1 million per occurrence.

B. Physical Damage Insurance

Physical Damage Insurance from Turo provides coverage for damage to the rental car due to accidents, theft, or vandalism.

This insurance is optional and can be purchased at an additional cost. The coverage limit varies depending on the car value and the level of coverage selected by the renter.

C. Premium Insurance

Premium Insurance is an upgraded insurance option. It provides more comprehensive coverage than Physical Damage Insurance.

This insurance includes coverage for acts of nature, such as hail damage, and offers higher liability limits.

It is optional and can be purchased at an additional cost.

It’s important to note that Turo insurance coverage is only valid in the United States and Canada, and some restrictions and limitations may apply.

Renters are advised to review the insurance policy carefully before renting a car through Turo.

In the next section, we’ll discuss the cost of Turo insurance and factors that can

affect the price.

How Much is Turo Insurance?

If you plan on renting a car through Turo, it’s important to consider the insurance cost.

Here are some factors that affect the cost of Turo insurance:

A. Factors that affect the cost of Turo insurance

1. Coverage level: Turo offers three levels of coverage, with higher coverage resulting in a higher cost.

2. Age and driving history: Drivers under 25 or those with a poor driving record may face higher insurance costs.

3. Type of car: The make and model of the car you’re renting can affect the cost of insurance.

4. Length of rental: Longer rental periods may result in higher insurance costs.

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B. Comparison of Turo insurance costs with traditional car rental insurance

While Turo offers insurance for its rentals, comparing the cost with traditional car rental insurance is essential.

In some cases, Turo insurance may be more expensive than traditional rental car insurance. However, Turo’s insurance may offer more comprehensive coverage and be a better option for those with poor driving records.

It may also be a perfect option for those needing additional insurance coverage beyond what traditional car rental companies offer.

How to Get Turo Insurance

Getting Turo insurance is a simple process that can be completed in just a few easy steps.

Steps to Getting Turo Insurance

a. Create a Turo account: To get Turo insurance, you must first create an account on their website or mobile app.

b. Choose a car: After creating an account, you can browse through the cars available in your area and choose one that suits your needs.

c. Select insurance: When making a reservation, you can select Turo’s insurance or provide your own.

d. Confirm and pay: Once you have selected your insurance option, you can confirm your reservation and pay for it.

Turo Insurance Add-ons:

In addition to the standard insurance options offered by Turo, there are also

add-ons that you can purchase for extra protection. These add-ons include:

  • Premium Insurance: provides coverage for damage to the car, theft, and other incidents not covered by the standard insurance.
  • Extra Liability Insurance: Provides additional liability coverage beyond the standard insurance limit.
  • Roadside Assistance: Assists in case of a breakdown or other roadside emergency.

Tips for Saving on Turo Insurance

When renting a car through Turo, insurance is an important consideration. While Turo

offers several insurance options, they can add up and become expensive.

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Here are some tips to help you save on Turo insurance:

Choosing the right insurance option for your needs

Turo offers three main insurance options: Basic, Standard, and Premium.

Choosing the right option for your needs can help you save money.

If you already have car insurance or a credit card offering rental car coverage, you may not need to purchase Turo insurance.

Consider joining Turo’s Protection Plan

Turo offers a Protection Plan that covers physical damage and liability.

This can be a more cost-effective option than purchasing Turo’s insurance options separately.

Maintaining a good driving record

Like with any insurance, having a good driving record can help you save on Turo


Turo may offer discounts for safe drivers or those with a clean driving record.


Turo offers various insurance options to fit the needs of renters and car owners. Understanding the types of Turo insurance available and the factors that affect the cost will help you make an informed decision about the platform insurance.

Remember to carefully review the insurance options and add-ons and choose the one that suits you best.

Frequently Asked Questions

Is Turo insurance expensive?       

Turo insurance costs depend on several factors, such as the level of coverage and location.

However, Turo provides affordable insurance options for hosts and guests.

Can I decline Turo insurance?

Guests are required to choose a protection plan offered by Turo.

Hosts have the option to decline a protection plan but must provide proof of personal insurance.

Does Turo insurance cover international travel?

Turo insurance covers travel within the United States and some Canadian provinces.

International travel is generally not covered by Turo insurance.

Can I add extra insurance to my Turo reservation?

Turo offers additional protection plans that guests can purchase to increase their level of coverage.

Hosts can also add their personal insurance coverage to their Turo rental.

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