As a Turo host, the protection plan you select affects both your earnings and your financial risk. Every plan includes up to $750,000 third-party liability insurance from Travelers, but the deductible — the amount you pay out-of-pocket if your car is damaged or stolen — varies.
Contents:
Higher-tier plans let you earn more per trip but come with higher deductibles. For example:
- 60% Plan: Earn 60% of the trip price, deductible $0 — minimal risk.
- 90% Plan: Earn 90% of the trip price, deductible $2,500 — potentially costly if damage occurs.
Choosing the right plan is crucial, especially if you’re just starting and have only one vehicle.
Turo Protection Plans for Hosts (USA)
Here’s a simple overview of the available plans:
- 60 Plan: 60% earnings, deductible $0 — safest for beginners.
- 75 Plan: 75% earnings, deductible $250 — optimal starting point.
- 80 Plan: 80% earnings, deductible $750.
- 85 Plan: 85% earnings, deductible $1,625.
- 90 Plan: 90% earnings, deductible $2,500 — best suited for experienced hosts with multiple cars.
💡 Key point: Each vehicle can have a different plan, and the ideal choice depends on your city and your risk tolerance.
Common Mistakes New Hosts Make
Many newcomers make these errors:
- Choosing a high-earning plan like 90% with only one car, exposing themselves to high deductible costs.
- Ignoring how deductibles affect potential expenses.
- Forgetting that Turo insurance covers the vehicle only during trips — you must have additional coverage off-trip.
How RentScout Makes Choosing Easy
RentScout provides insights you won’t find on Turo’s website:
- Shows which protection plan every host uses for each car.
- Analyzes ROI, revenue, demand, depreciation, maintenance costs, and major repair probability.
- Works for any car in any location, giving real, up-to-date data.
- Displays monthly and annual performance with clear graphs, so you can quickly compare vehicles.
Install RentScout on Google Chrome and see the real data for every Turo car before investing.
Real-World Examples: Choosing the Right Protection Plan
Case 1 – The New Host: Alex
Sarah just started her Turo business with a single car. Unsure which protection plan to pick, she initially chose the 90% plan for maximum earnings. However, after a minor fender-bender during her first month, she realized the high deductible meant she had to cover most of the repair cost herself. She quickly adjusted to the 75% plan, which balanced earnings and risk more effectively.
Case 2 – Data-Driven Decision with RentScout: Jordan
James was expanding his Turo fleet and wanted to make informed choices. Using RentScout, he analyzed multiple vehicles and saw which protection plans top hosts used for cars similar to his. He picked the optimal plan for each vehicle, taking into account ROI, demand, and potential repair costs. As a result, his new Tesla Model 3 had excellent bookings and no unexpected financial surprises.
Case 3 – Learning from Experience: Taylor
Emma runs a small fleet of three cars in Miami. She experimented with different protection plans for each vehicle, tracking bookings and incident costs manually. Over a few months, she identified which plan worked best for her specific cars and location. Now, she uses this insight to manage her fleet confidently, avoiding common mistakes many beginners make.
Tips for Optimizing Turo Earnings
- Start with the 75% Plan to balance earnings and deductible risk.
- Use RentScout to see what experienced hosts choose for cars similar to yours.
- Reassess plans as your fleet grows.
- Always consider both earnings and deductible when deciding.
Final Thoughts
Selecting the right protection plan isn’t just about maximizing earnings — it’s about managing risk intelligently. RentScout gives you full visibility into every car’s performance, including protection plans, ROI, revenue, and demand.
With RentScout, you can make informed choices, optimize your earnings, and grow your Turo business confidently.
📌 Try RentScout for free today and start making smarter decisions for your Turo cars.