Rent My Car Out

Plans · United States · Aug 2026

What you keep vs what you risk

When you rent out your car, Turo does not “pay 80% and cover everything else.” You pick a plan. A higher share means a larger bill if the car comes back hurt. This is the current US table — not a vibe.

Turo can change these numbers — check your listing.

Start/ Plans/ List/ First trip/ Money/ Claims

Turo’s current published plans, not a screenshot from 2024

Three US earnings plans

See Turo’s detailed US earnings-plan page, Turo’s short earnings-plan overview, and Turo’s page about earnings and host share. Plans attach to the booking date. Older trips keep the plan they were booked under.

The table

Share, damage responsibility, incidentals window

More peace of mind Balanced More earnings
Host share (most US markets) 70% of trip price 80% of trip price 90% of trip price
Damage responsibility (per physical-damage claim) $250 $1,500 $2,750
Third-party liability (typical) Up to $750,000 Up to $750,000 Up to $750,000
New York liability (as of June 17, 2026) Up to $300,000 combined State minimums for P2P sharing State minimums for P2P sharing
Window to submit fuel / charge / extra-miles invoices 5 days 4 days 3 days

Damage responsibility applies to eligible physical damage Turo reimburses — Turo lists exterior, interior, glass, tires, and mechanical damage among the claim types that still hit this number. It is not “the most you will ever spend.” Downtime, diminished value, and excluded wear are separate. The claim path is on Turo damage claim. Check Turo’s current table before you list — they can change.

Nine cities

Dynamic share from March 31, 2026

In Austin, Dallas, Detroit, Las Vegas, Maui, Philadelphia, Phoenix, San Diego, and Seattle, host share also moves with how far ahead the guest booked. Turo published this grid:

Days in advance More peace of mind Balanced More earnings
28+ days 80% 90% 100%
14–27 days 75% 85% 95%
3–13 days 70% 80% 90%
0–2 days 65% 75% 85%

The published range is 65–100% depending on plan and lead time. Last-minute bookings pay you less; far-ahead bookings pay you more. The share on the trip receipt is the one that sticks — later date changes do not rewrite it. Vehicle swaps keep the original share. From Turo’s earnings-and-host-share page.

What 80% is not

Host share is a cut of the trip price — not profit, not insurance.

Host share applies to the trip price (and, Turo says, some other guest charges). It does not apply the same way to everything:

  • Approved reimbursements (refuel, recharge, tickets, tolls): you receive 100% of what Turo approves.
  • Approved cleaning or smoking fees: 100% of approved fees.
  • Delivery: 90% of the delivery price, regardless of plan.
  • Extras: 90% of the Extra, regardless of plan. Detail: Turo extras and prepaid extras.

Turo’s fee for running the platform and the earnings plan is already inside the haircut you see on the receipt. Do not subtract “Turo’s 20%” a second time in the calculator.

Physical-damage reimbursement is not an insurance policy on your car. Turo is blunt: Turo is not an insurance company. Eligible repairs (or actual cash value up to $200,000 on a total) sit above your damage responsibility, with exclusions. US plans do not include loss-of-hosting-income or a replacement-car stipend. Wear and tear — Turo defines exterior dings 3 inches or smaller as wear — is on you. If the car is down for two weeks, that is your calendar.

Third-party liability (someone else’s injury or property) is insurance, issued to Turo by Travelers Excess and Surplus Lines Company, typically up to $750,000 combined — except some states and some airports. New York is the named exception: as of June 17, 2026, default is state minimums for peer-to-peer sharing; More peace of mind is up to $300,000. 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; read Turo’s page and, if you list in NY, check the number on the trip.

Call your own insurer before you list. Turo says many personal auto policies exclude peer-to-peer car sharing, so your policy likely does not cover the car during a reservation (including delivery). Some still do. Turo and Turo Insurance Agency do not advise you on your personal policy. This page is not legal or insurance advice. Ask your carrier, in plain English, whether listing the car on a car-sharing platform voids or limits the policy — including the days the car is sitting between trips. The longer page is Does my insurance cover renting out my car.

How to choose

Pick the bill you can write, not the percentage that looks good in a screenshot.

More peace of mind (70% / $250) if a $2,750 surprise would wreck the month, or you list in New York and want the higher NY liability number Turo publishes. You give up share to buy a smaller first check.

Balanced (80% / $1,500) is the example the calculator starts with — Turo’s usual published US share, not a promise your market uses it on every trip.

More earnings (90% / $2,750) only if you can actually float $2,750 plus a rental while the car is in the shop. The extra 10 points of share disappear in one bumper claim.

You can change plans; new trips use the new plan. Already-booked trips keep what they were booked under. Check Turo when you switch plans.

The rest of the pack

The $19 kit keeps the plan notes dated.

The spreadsheet has an editable 2026 earnings-plan sheet. Check Turo’s current numbers before you list. Not tax, legal, or insurance advice.