Turo Protection Plans Explained: Which One Is Right for You?

Choosing the right protection plan is one of the first (and most important) decisions you’ll make as a Turo host. It directly impacts how much you earn and how much you’re on the hook for if something goes wrong.

But with five different plans (90%, 80%, 75%, 70%, and 60%), it’s easy to feel overwhelmed. So let’s break them down — pros, cons, and everything in between — so you can make the best choice for your hosting style.

First, What Is a Turo Protection Plan?

Turo’s protection plans determine:

• How much of the trip price you take home

• The level of damage protection you receive

• Your deductible (how much you pay out of pocket if there’s damage)

Turo keeps a portion of each trip based on the plan you select. In return, they cover eligible physical damage to your vehicle based on that plan’s terms.

The 5 Turo Host Protection Plans (as of 2025)

Here’s a simple breakdown of each plan:

Plan	Earnings	Deductible	Damage Coverage	Liability Coverage	Best For
60 Plan	60%	$0	Turo pays 100% of eligible damage costs	Up to $750,000	New hosts, risk-averse, or high-value vehicles
75 Plan	75%	$250	Turo pays 100% above deductible	Up to $750,000	Balanced protection + income
80 Plan	80%	$750	Turo pays 100% above deductible	Up to $750,000	Hosts with some risk tolerance
85 Plan	85%	$1,625	Turo pays 100% above deductible	Up to $750,000	Experienced hosts with cash reserves
90 Plan	90%	$2,500	Turo pays 100% above deductible	Up to $750,000	High-volume or low-value car hosts accepting higher risk

Pros & Cons of Each Plan

90 Plan – Maximum Earnings, Maximum Responsibility

Pros:

• Keep the most money per trip

• Ideal if you have private/commercial insurance

• Good option for low-value cars

Cons:

• $2,500 deductible

• No wear & tear coverage

• Risk of big out-of-pocket costs

✅ Best for: Experienced hosts with backup insurance or inexpensive cars they don’t mind taking a hit on.

85 Plan – Higher Risk, Bigger Reward

Pros:

• Still solid earnings

• Lower deductible than 90%

• Still retains strong cash flow

Cons:

• $1,625 deductible

• No wear & tear coverage

• Financial hit if damage occurs

✅ Best for: Hosts with reliable guests or in low-risk markets, but who want to retain more income.

80 Plan – Higher Earnings, Moderate Risk

Pros:

• 80% earnings strike a balance

• $750 deductible is more manageable

• Suitable for dependable markets or repeat guests

Cons:

• Deductible still means you pay out-of-pocket

• No coverage for wear & tear damage

✅ Best for: Hosts looking to retain more income while taking on moderate risk.

75 Plan – Balanced Protection & Payout

Pros:

• $250 deductible is easy to handle

• Includes some protection for dings/scratches

• Eligible for most standard damage reimbursements

Cons:

• Lower earnings (75%)

• Limited wear & tear coverage

✅ Best for: New or part-time hosts wanting solid protection without sacrificing too much revenue.

60% Plan – Full Protection, Lowest Earnings

Pros:

• $0 deductible

• Turo pays 100% of eligible damage costs

• Most comprehensive coverage, including wear & tear

• Includes roadside assistance and extras

Cons:

• You only keep 60% of the trip price

• Not ideal for hosts focused purely on maximizing income

✅ Best for: New hosts, premium vehicles, or anyone who values complete peace of mind over higher payouts.

Before You Choose a Plan, Understand the Guest Side Too

It’s just as important to know how Turo’s protection works for guests — especially since misunderstandings during claims often start there. Knowing what guests are covered for (and not covered for) can help you better prepare for managing claims, documentation, and communication.

You can read more about that in this post: What Hosts Need to Know About Claims

So, Which Plan Should You Pick?

There’s no “one-size-fits-all.” The right plan depends on:

• The value of your car

• Your comfort with risk

• Your experience level

• The volume of trips you’re doing

• Whether or not you have commercial insurance or backup funds

Most new hosts start with the 75% or 80% plan while they learn the ropes, then adjust once they get a feel for how often issues come up in their market.

Turo’s protection plans are designed to give you options — whether you want maximum income or maximum peace of mind. Just remember:

• No matter the plan, always document your trips with clear photos

• You can change your plan at any time, so stay flexible and adjust as needed

Ultimately, it’s about finding the balance between profit and protection that works for your hosting style.