Turo Insurance: What Reddit Users are Saying


Turo, the peer-to-peer car rental platform founded in 2009, has gained popularity in recent years as an alternative to traditional car rental companies. With over 350,000 vehicles listed worldwide, Turo offers a variety of vehicles for rent at competitive prices. However, as a car owner listing their vehicle on Turo, one important consideration is insurance coverage. In this article, we will examine what Reddit users are saying about Turo insurance and their experiences with it.

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What is Turo Insurance?

Turo offers liability insurance to car owners who list their vehicles on their platform. This insurance coverage is provided by Turo’s partner, Liberty Mutual. When a renter books a car on Turo, they are required to purchase insurance coverage through Turo. The coverage options available to renters include basic, standard, and premium plans, each with varying levels of liability coverage.

In addition to liability coverage, Turo offers car owners the option to purchase additional protection plans. These plans include Turo’s basic, standard, and premium protection plans, which offer additional protection against physical damage to the vehicle and theft. These protection plans are not required, but many car owners opt to purchase them to guard against potential losses.

What Reddit Users are Saying About Turo Insurance:

While Turo offers insurance coverage to car owners and renters, there have been some concerns raised by Reddit users about the adequacy of Turo’s insurance coverage. We have reviewed various threads on Reddit to gain insight into the experiences of Turo users with insurance coverage.

1. Underinsured Coverage:

One common concern raised by Reddit users is that Turo’s liability coverage may not be sufficient in the event of an accident. Turo’s liability coverage is divided into three tiers: $50,000 per person/$100,000 per accident, $100,000 per person/$300,000 per accident, and $1,000,000 per accident. While these coverage limits may be sufficient for some accidents, they may not cover the full extent of damages in the event of a catastrophic accident.

Reddit user u/HakunaMatataa2019 shared their experience with Turo’s insurance coverage, stating, “I recently rented a Tesla on Turo and while the car was fantastic, the insurance situation was less than ideal. The coverage limits weren’t very high, and I was worried that I might be liable for damages beyond the insurance coverage if something went wrong.” This sentiment was echoed by other users, with some expressing concern that the liability coverage offered by Turo would not be sufficient to cover the full cost of a serious accident.

2. Damage Claims:

Another concern raised by Reddit users is the process for filing and resolving damage claims. When a car owner lists their vehicle on Turo, they are required to inspect and document the condition of the vehicle before each rental. However, some users have reported difficulties in filing damage claims and receiving payment for damages incurred during a rental.

Reddit user u/brigante213 reported that their car had been damaged during a Turo rental and that they “had a difficult time getting the damages resolved and paid for by Turo.” Similarly, user u/PandaRusher707 shared their experience of filing a damage claim with Turo, stating, “I had some minor damage to my car from a Turo rental, and it was a nightmare trying to get Turo to pay for the damages.”

3. Additional Protection Plans:

Turo offers car owners the option to purchase additional protection plans to guard against physical damage and theft. While these plans are not required, many car owners opt to purchase them to minimize their potential losses. However, some Reddit users have expressed frustration with the cost and limitations of these protection plans.

User u/PhuketIsland reported, “I rented my car on Turo and purchased the premium protection plan, but I was still out of pocket for some damages that were not covered.” Similarly, user u/dwight_ballard stated, “I purchased the premium protection plan, but the cost was so high that I felt like I was barely breaking even on the rental.”


Overall, Reddit users have raised some valid concerns about Turo’s insurance coverage and the process for filing and resolving damage claims. While Turo does offer liability coverage and additional protection plans, car owners and renters should carefully review the coverage and limitations of these policies before listing or renting a vehicle. In addition, car owners should thoroughly document the condition of their vehicle before each rental to minimize the potential for damage claims. As with any insurance policy, it is important to read the fine print and understand the coverage provided to ensure that you are adequately protected.

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