Turo Insurance: Everything You Need to Know

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Whether you’re planning a road trip or just need a rental car for a few days, Turo is a popular option for many travelers. This peer-to-peer car sharing platform offers a wide range of vehicles at competitive prices, making it a convenient and cost-effective choice for many people.

But with any car rental service, it’s important to understand the insurance options available to you. In this article, we’ll take a closer look at Turo insurance and what you need to know before booking your next rental.

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What is Turo Insurance?

Turo offers three different insurance options for renters:

Insurance Option
What’s Covered
Deductible
Basic
$1 million in liability insurance
$3,000
Standard
$1 million in liability insurance, plus collision and comprehensive coverage
$500 – $3,000, depending on the value of the car
Premium
$1 million in liability insurance, plus collision and comprehensive coverage with no deductible
$0

Note that Turo insurance is not available in all countries. If you’re traveling internationally, be sure to check if Turo insurance is available in your destination before booking.

Basic Insurance

The Basic insurance option is included with every Turo rental by default. This option provides $1 million in liability insurance, which covers any damages or injuries you may cause to other drivers, passengers, or pedestrians while operating the rented vehicle.

Note that Basic insurance does not cover any damage to the rented vehicle itself. If you’re involved in an accident or the car is stolen, you’ll be responsible for covering the cost of any repairs or replacement.

If you choose to rely on Basic insurance, keep in mind that you’ll also be responsible for a $3,000 deductible in the event of any damages or theft. This means that you’ll have to pay the first $3,000 of the cost of repairs or replacement before the insurance kicks in.

Basic Insurance FAQ

What does Basic insurance cover?

Basic insurance covers up to $1 million in liability insurance for damages or injuries you may cause to other drivers, passengers, or pedestrians while operating the rented vehicle.

What does Basic insurance not cover?

Basic insurance does not cover any damage to the rented vehicle itself.

What is the deductible for Basic insurance?

The deductible for Basic insurance is $3,000, which means you’ll have to pay the first $3,000 of the cost of repairs or replacement before the insurance kicks in.

Is Basic insurance enough?

Basic insurance may be enough if you’re a safe driver and only plan to use the car for short periods of time. However, if you’re traveling in an area with high traffic or plan to use the car for an extended period of time, it may be worth considering a higher level of coverage.

Standard Insurance

The Standard insurance option provides all the coverage of Basic insurance, plus collision and comprehensive coverage for the rented vehicle itself.

Collision coverage covers any damages to the car that occur as a result of an accident, regardless of who is at fault. Comprehensive coverage covers any other damage to the car, such as theft or vandalism.

Like Basic insurance, Standard insurance comes with a deductible. The amount of the deductible varies depending on the value of the car, but generally ranges from $500 to $3,000.

Standard Insurance FAQ

What does Standard insurance cover?

Standard insurance covers up to $1 million in liability insurance, plus collision and comprehensive coverage for the rented vehicle itself.

What is the deductible for Standard insurance?

The deductible for Standard insurance varies depending on the value of the car, but generally ranges from $500 to $3,000.

Is Standard insurance worth it?

Standard insurance may be worth it if you plan to use the car for an extended period of time or are traveling in an area with high traffic or poor road conditions. However, if you’re a safe driver and only plan to use the car for short periods of time, Basic insurance may be sufficient.

Premium Insurance

The Premium insurance option provides all the coverage of Standard insurance, but with no deductible. This means that you won’t be responsible for any out-of-pocket expenses in the event of an accident or theft.

While Premium insurance is the most expensive option, it may be worth considering if you’re traveling in an area with high crime rates or poor road conditions.

Premium Insurance FAQ

What does Premium insurance cover?

Premium insurance covers up to $1 million in liability insurance, plus collision and comprehensive coverage for the rented vehicle itself, with no deductible.

Is Premium insurance worth it?

Premium insurance may be worth it if you’re traveling in an area with high crime rates or poor road conditions, or if you’re particularly concerned about the potential cost of out-of-pocket expenses in the event of an accident or theft.

Conclusion

When renting a car through Turo, it’s important to understand the insurance options available to you. While Basic insurance may be sufficient for some renters, others may want to consider Standard or Premium insurance for greater peace of mind.

Keep in mind that Turo insurance is not available in all countries, so be sure to check if coverage is available in your destination before booking.

By taking the time to understand your insurance options and selecting the coverage that’s right for you, you can enjoy your Turo rental with confidence and peace of mind.

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