Does my insurance cover renting out my car?

People type “Turo insurance host” and hear “I’m covered.” Turo is blunt: Turo is not an insurance company and does not offer insurance for physical damage to your vehicle. What you get on a US earnings plan is two different products sitting next to each other:

• Third-party liability — injury or property damage to someone else during the trip. This part is insurance, issued to Turo by Travelers Excess and Surplus Lines Company. Typical published limit is up to $750,000 combined, except some states and some airports. New York is the named exception (below). Turo has either waived personal-injury protection and uninsured-motorist coverage or subscribed to the lowest limit the state allows, and binds you to that election. We are not restating those state floors.
• Physical-damage reimbursement — a contract with Turo, not a policy on your car. Eligible repairs (or actual cash value up to $200,000 on a total) sit above your damage responsibility: $250, $1,500, or $2,750 per physical-damage claim on More peace of mind / Balanced / More earnings. Wear and tear — Turo defines exterior dings 3 inches or smaller as wear — is on you. US plans do not pay loss-of-hosting-income or a replacement-car stipend. The plan table is on Plans. How a host claim actually files is on Turo damage claim.

Turo publishes one state exception on the physical-damage side: when a trip is booked in Washington, physical damage to the host’s vehicle is covered by insurance Turo purchased — and Turo still says that does not change the contractual responsibilities of hosts or guests. Do not treat that sentence as “Washington hosts have a personal policy from Turo.” Read the Help page.

Turo also publishes a delivery gap: if the guest booked delivery, third-party liability can apply during the delivery period; contractual physical-damage reimbursement does not. A scrape on the way to the guest is not the same claim as a scrape on day two of the trip.

None of that is “your GEICO / State Farm / whoever still works on Tuesday.” We are not naming your carrier’s product. Call them.

New York. If the car is registered in New York, Turo requires an inspection sticker valid through at least the following month. New York also has a peer-to-peer car sharing law, a guest tax Turo collects on in-state trips, and lower third-party liability on earnings plans than the typical $750,000. As of June 17, 2026, default is state minimums for peer-to-peer sharing; More peace of mind is up to $300,000 combined. Trips that started before that date had a different NY limit ($1,250,000 on Turo’s page). We are not restating NY’s statutory minimums here. If the car is leased or financed in New York, Turo says you may need additional coverage and points you to the New York Department of Financial Services. Details also on Plans and Start. A national blog is not NY law.

Maryland. Turo’s page about car-sharing rules says if the vehicle is registered in Maryland you are prohibited from sharing a vehicle more than 10 years old, unless you obtained a valid state inspection certificate within 90 days before listing — then you need a new certificate at least once every 10,000 miles. That is tighter than Turo’s national 12-year line. For questions about the Travelers liability policy, Turo points consumers in Maryland and other licensed states at Turo Insurance Agency on the earnings-plan Help page — use that page, not a number copied from a blog.

Other states have P2P statutes, taxes, or inspection quirks. Turo lists them. If your state is not named here, that is not a green light. Read Turo’s page about car-sharing rules for your plate.

This site does not sell insurance. We are not going to invent a “Turo host insurance” product, a commercial-policy brand, or an endorsement name your carrier may or may not offer. If an agent has a peer-to-peer or commercial option, that is a conversation with them — after you have asked whether the policy you already pay for excludes sharing.

A yes from the insurer is not a yes from the lender. A yes from both is not a yes from the take-home math. Run the calculator with the insurance you will actually pay, not the premium from before you mentioned Turo. The conservative default on this site is $60 a day, 50% occupancy, $500 fixed, $25 a trip, 80% Balanced — fold a $60 maintenance reserve into fixed if the $500 was only the payment and insurance. Worked example: How much you take home. Whether that month is even worth listing: Is Turo worth it.