Turo earnings plans compared: host share, damage responsibility and your agent

October 28, 2026 · 6 min read · The FleetWise team · Turoprotection plansinsurance

Every car you list on Turo sits on a plan that decides two things at once: how much of the trip price you keep, and how much of a damage bill lands on you first. Turo used to call these "protection plans" and now calls them "earnings plans". This post lays out what Turo publishes, without ranking the options.

This is general information, not insurance, legal, tax or accounting advice, and it is not a recommendation of any plan. The figures are Turo's, for US hosts, checked October 2026. They change, so confirm them in your host account before deciding.

Which plans are current

For US hosts, Turo's help center describes three earnings plans available since January 7, 2026. They replaced the five earlier plans, which are documented in a separate PDF that Turo titles as covering plans available before that date. If you read an older guide that mentions plans with names like "60" or "90", it describes the earlier arrangement. Trips booked under the older plans follow the older document.

You choose a plan per vehicle when you create the listing and can change it later. Different cars can have different plans. A change does not apply to pending requests, booked trips or trips in progress.

The three plans in one table

Figures are from Turo's help center, checked October 2026. The "in brief" page was last updated May 21, 2026, and the "in detail" page August 18, 2026.

All three include third-party liability coverage of up to $750,000 under a policy issued to Turo, with exceptions: some states and airports require more, and New York is handled differently since June 17, 2026. The pages show a different New York figure for the first plan than for the other two, so check your plan details if your car is listed there.

What "damage responsibility" means

Turo uses the term for the amount you carry yourself, per incident of physical damage, before you become eligible for reimbursement. The trade-off is built into the table: a larger share of each trip comes with a larger amount you carry if something happens. Turo's own wording is that the more earnings you keep, the higher the damage responsibility.

Physical damage reimbursement is not insurance

This is the point most often misunderstood. Turo's detailed page says plainly that the physical damage reimbursement is not insurance and that Turo is not an insurance company. It is a contractual reimbursement, subject to terms and exclusions. The main points of that page:

• It applies during the reservation period, and there is no contractual reimbursement for physical damage while the car is being delivered.
• Above your damage responsibility, Turo reimburses either the repair cost or the vehicle's actual cash value, up to $200,000 for a total loss, and Turo decides which of the two applies.
• Turo needs clear photos, with date, time and location metadata. Pre-trip photos are taken no more than 24 hours before the scheduled start and uploaded within 24 hours after it starts. Post-trip photos are taken and uploaded within 24 hours after the trip ends.
• Not everything is covered. The page lists wear and tear, deterioration, diminished value and loss of hosting income among the things the plans do not pay for. It also says repairs at certain facilities are not reimbursed starting August 18, 2026.

Liability is different. The third-party liability coverage is an insurance policy, while the damage reimbursement is a contract with Turo. Keeping the two apart makes the rest of the conversation easier.

Why we use the 90% plan

We use the 90% plan on our cars. This is our situation, not a recommendation: none of our cars cost more than $6,000 to $7,000, so the damage responsibility is a smaller risk for us. One of us also worked at a dealership, so we know body shops and parts suppliers, and our repair costs are lower than most hosts would pay. A repaired door, for example, costs us less than $500.

When the damage is minor, we prefer to fix it with the renter directly. Turo's rules allow you to try that first, with a deadline to escalate if it does not work out. We explain it in our damage claim guide.

Your numbers will be different. Run them for each car before you choose.

Questions to ask your own insurance agent

Turo's page itself notes that many personal auto policies exclude peer-to-peer car sharing, that some may not, and that neither Turo nor its agency can tell you what your policy does. Only a licensed agent can answer that for your policy. Bring questions like these:

1. Does my personal policy cover this car while a guest is driving it, and what exactly is excluded?
2. If it excludes car sharing, what happens to my policy if I list the car anyway?
3. If I have a loan or lease on the car, what does my lender require?
4. What would I owe, and who pays first, if the car is damaged during a trip?
5. Do my premiums or my coverage change when a car is listed?
6. What is excluded for aftermarket parts, tires, glass or mechanical damage?
7. What happens to my claims history after a Turo claim?

Write down the answers and the agent's name and date. Then compare them with the plan table above for the car in question.

A caution about settling directly with the renter

Whatever plan you are on, the report deadline still applies. Turo asks hosts to report damage within 24 hours after the trip ends, and if you first try to settle directly with the guest, it generally expects you to escalate within 20 days after the trip ends. Settling minor damage directly and then missing those windows can cost you the Turo claim. The full timeline is in our guide to damage claims. Source, checked October 2026: Turo Help Center, Reporting and resolving damage (US hosts).

Keeping the records a claim needs

Whichever plan you choose, the reimbursement depends on evidence: photos before and after each trip, the trip dates, repair estimates and invoices. Filing them per car and per trip is the cheapest insurance against an argument later. If you want a system for the paperwork side, see our monthly bookkeeping routine.

Where FleetWise fits

FleetWise imports your Turo emails, tracks trips and expenses with receipt attachments per car, and keeps a mileage log, so the documents behind a repair or a claim are in one place. It does not choose a plan for you and does not give insurance advice. The Free plan covers up to 3 cars, and every new account starts with a 14-day trial of all features, no credit card needed. See pricing.

Sources (checked October 2026): Turo Help Center, Earnings plans: in brief, US hosts and Earnings plans: in detail, US hosts. Earlier plans: Turo's PDF on US host plans available before January 7, 2026.