Turo Protection Plan: The Ultimate Guide

How Much is Turo Protection Plan? A Detailed Calculation
Author: Joy Aliyu
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Car rental has become increasingly popular over the years, with many people opting for rental cars instead of purchasing their own.

However, when renting a car, it’s essential to consider the cost of insurance to protect yourself against potential accidents or damages.

In this article, we’ll take a closer look at Turo Protection Plan, its cost, and how it compares to alternative insurance options.

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Key Takeaways

  • Turo Protection Plan provides peace of mind when renting a car through Turo, covering damage to the car and third-party liability.
  • The cost of the Turo Protection Plan varies depending on the level of coverage selected and the value of the car being rented.
  • To purchase Turo Protection Plan, renters can choose the level of coverage they want when booking their car on Turo’s website or app.
  • In the event of an accident, renters should take pictures, report the incident to Turo, and file a claim with Turo’s insurance partner.
  • Alternative insurance options for renting a car include personal auto insurance, credit card coverage, and third-party insurance.

What is Turo Protection Plan?

Turo Protection Plan is an insurance coverage provided by Turo to protect renters and car owners from potential damages, theft, and accidents during the rental period.

Coverage provided by Turo Protection Plan

Turo Protection Plan provides coverage up to the car’s actual cash value for physical damages caused during the rental period.

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This includes damages caused by collision, theft, vandalism, weather-related incidents, and accidents.

The coverage also includes liability protection, covering bodily injury and property damage caused by the renter to a third party.

Benefits of opting for the Turo Protection Plan

Opting for Turo Protection Plan provides several benefits for the car owner and renter.

Firstly, it provides peace of mind for both parties, knowing they are protected in the event of an accident or damage.

It also eliminates the need for car owners to purchase additional insurance coverage, as Turo Protection Plan acts as primary insurance during the rental period.

Additionally, it can save renters money on the cost of car rental insurance, as Turo Protection Plan is often more affordable than traditional car rental insurance options.

How Much is Turo Protection Plan?

When renting a car through Turo, it’s essential to consider the cost of the Turo Protection Plan.

This plan provides renters with coverage for physical damage to the car and third-party liability claims. But how much does this protection cost?

Overview of Turo’s pricing structure

Turo offers a range of pricing options for car rentals, including daily rates set by the car owners themselves and additional fees and taxes.

The cost of the Turo Protection Plan varies based on the rental rate set by the owner.

It also varies by the car’s value and the rental period’s length.

Cost of Turo Protection Plan

Turo Protection Plan pricing starts at around $12 a day and can go up to $50 or more per day, depending on the rental rate, car value, and length of the rental.

The exact cost of the protection plan is displayed on the checkout page when booking a car rental through Turo.

How to Purchase Turo Protection Plan: A Step-by-Step Guide

Here’s a step-by-step guide on how to purchase Turo Protection Plan:

Step 1: Choose the right protection plan

Turo offers three different protection plans: Premium, Standard, and Minimum.

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Each plan provides varying levels of coverage. So choosing the one that best fits your needs and budget is important.

Step 2: Select the plan during checkout

When booking your rental car on Turo, you’ll be given the option to select a protection plan during checkout.

Make sure to carefully review the coverage details and select the plan that you want.

Step 3: Pay for the protection plan

Once you’ve selected your protection plan, you’ll need to pay for it.

The cost of the plan will be added to your total rental fee, and you can pay for everything at once.

Step 4: Enjoy your rental car with peace of mind

With Turo Protection Plan, you can enjoy your rental car with the peace of mind that you’re protected in case of any unexpected damages or accidents.

Types of Turo Protection Plans

Turo offers three protection plans: Premium, Standard, and Minimum.

The main differences between the plans are the level of coverage provided and the cost.

Here’s an overview of the different plans:

  • Premium: Offers the highest level of coverage and protection, with a $0 deductible and coverage for loss of use, diminished value, and more. Cost varies based on the value of the car.
  • Standard: Offers mid-level coverage and protection, with a $500 deductible and coverage for some damages and accidents. Its cost also varies based on the value of the car.
  • Minimum: Offers basic coverage and protection, with a $3,000 deductible and limited coverage for some damages and accidents. Its cost is a flat rate of 15% of the rental fee.

Factors to Consider When Choosing a Plan

When choosing a Turo Protection Plan, it’s essential to consider your budget, the value of the car, and your own personal level of risk tolerance.

If you’re renting a high-value car, investing in a Premium plan for maximum protection may be worth investing in.

However, a Minimum plan may be sufficient if you’re renting a lower-value car and are comfortable assuming some risk.

Make sure to carefully review the coverage details of each plan before making a decision.

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Alternatives to Turo Protection Plan

While Turo Protection Plan can provide peace of mind when renting a car, there are also alternative insurance options that renters may consider.

Here are some alternatives to Turo Protection Plan:

1. Personal car insurance: If you already have a car insurance policy, it may also provide coverage for rental cars.

Contact your insurance provider to confirm the coverage and any applicable deductibles.

2. Credit card coverage: Some credit cards offer rental car insurance as a benefit.

Check with your credit card company to see if this coverage is available.

3. Third-party insurance providers: Various third-party insurance providers offer rental car insurance.

These providers may offer a wider range of coverage options at different prices.

Pros and Cons of Alternative Options

Personal car insuranceAlready familiar with the coverage, may be more affordableMay not provide full coverage, may require a deductible
Credit card coverageMay be a free benefit, may provide primary coverageMay have restrictions on rental types and countries
Third-party insurance providersMay offer more comprehensive coverage, may be more affordableMay require additional research and comparison
Table showing the pros and cons of alternatives to Turo Protection Plan

Tips for Choosing the Best Insurance Option

When choosing an insurance option for renting a car, it is crucial to consider your personal needs and preferences. Some tips to keep in mind include:

  • Research and compare coverage options from different providers.
  • Consider the level of coverage needed based on the rental type and length of rental.
  • Review any applicable deductibles and exclusions.
  • Determine the cost-effectiveness of each option based on your budget and needs.


Choosing the right insurance option when renting a car is essential to avoid financial risks in case of accidents. While Turo Protection Plan provides comprehensive coverage, alternative options exist.

By carefully weighing each option’s pros and cons and considering your specific needs, you can make an informed decision and enjoy a worry-free car rental experience.

Remember always to prioritize safety and protection when on the road.

Frequently Asked Questions

Can I decline Turo Protection Plan and use my own insurance instead?

Yes, you can choose to use your own insurance instead of Turo Protection Plan.

However, you must ensure that your insurance policy covers car-sharing and rental cars.

Is it worth buying Turo Protection Plan, or are there cheaper options available?

Turo Protection Plan may be more expensive than other insurance options. But it provides comprehensive coverage for the rental period.

It’s up to you to weigh the risks and benefits and decide which option is best for you.

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