On January 7, 2026, Turo quietly retired the five protection plans US hosts had picked from for years and replaced them with three earnings plans: the 60, the 75, and the 90. Most articles ranking “the best Turo protection plan” were written before that date and are now describing options that no longer exist. We run our own fleet on Turo, we had to re-pick plans for every car in January, and this is the breakdown we wish Turo had published: what each plan actually pays, what you owe when a guest brings the car back dented, and the reserve math for deciding when moving up is worth it.
Plan terms below are current as of July 2026 and verified against Turo’s earnings plans page. Turo changes terms with notice, so confirm before you rely on them. Nothing here is insurance, legal, or tax advice.
What changed in January 2026
Under the old system, hosts chose among five protection plans — 60, 75, 80, 85, and 90 — each pairing a host share with a deductible. The new system keeps the same core trade (keep more, risk more) but cuts the menu to three and renames the moving parts: plans are now earnings plans, your cut is your host share, and the deductible is your damage responsibility.
| Old plan (pre-2026) | Deductible | Where it went |
|---|---|---|
| 60 plan | $0 | Survives as the 60 earnings plan — still $0 |
| 75 plan | $250 | Survives as the 75 earnings plan — still $250 |
| 80 plan | $750 | Retired — nearest options are 75 or 90 |
| 85 plan | $1,625 | Retired — nearest options are 75 or 90 |
| 90 plan | $2,500 | Survives as the 90 earnings plan — still $2,500 |
The hosts squeezed by this change are the ones who lived in the middle. The 80 and 85 plans were the “some upside, moderate downside” compromise, and they’re gone. Now you either cap your per-claim exposure at $250 and give up 15 points of share, or take the 90 and own the first $2,500 of every eligible claim yourself. That gap is the entire decision, and we’ll put numbers on it below.
The three earnings plans, side by side
All three plans include up to $750,000 in third-party liability insurance issued to Turo under a policy from Travelers, and all three reimburse eligible physical damage that happens during the trip period, above your damage responsibility, up to the car’s actual cash value (capped at $200,000). What changes between plans is only the split: how much of the trip price you keep, and how much of each claim you eat first.
| 60 plan | 75 plan | 90 plan | |
|---|---|---|---|
| You keep | 60% of trip price | 75% of trip price | 90% of trip price |
| Damage responsibility (per eligible claim) | $0 | Up to $250 | Up to $2,500 |
| Third-party liability | Up to $750k via Travelers | Up to $750k via Travelers | Up to $750k via Travelers |
| Physical damage reimbursement | Eligible trip-period damage up to ACV (max $200k) | Same, above your first $250 | Same, above your first $2,500 |
| Best suited to | Zero reserves, brand-new hosts, expensive-to-repair cars | Most hosts building reserves | Hosts holding $2,500+ per car who want max share |
Two things the marketing pages under-communicate. First, damage responsibility applies per claim, not per year — two incidents in a season means paying it twice. Second, none of the plans reimburse wear and tear or loss of hosting incomewhile your car sits in the body shop; a three-week repair is three weeks of zero revenue on that car no matter which plan you’re on. Full terms live on Turo’s earnings plans detail page.
The $2,000 claim, worked through each plan
Abstract percentages hide the real difference, so here is the same incident on all three plans. A guest backs your Camry into a pole: rear bumper, tailgate, sensors — a $2,000 eligible damage claim. The car grosses $1,000/month in trip price.
| 60 plan | 75 plan | 90 plan | |
|---|---|---|---|
| Your monthly share (on $1,000 gross) | $600 | $750 | $900 |
| You pay on the $2,000 claim | $0 | $250 | $2,000 (below the $2,500 cap — all yours) |
| Turo reimburses | $2,000 | $1,750 | $0 |
| Months of extra share to recover it (vs 75 plan) | — | — | ≈ 11.7 months ($1,750 ÷ $150) |
That last row is the one to sit with. On the 90 plan you earn $150/month more than the 75 plan on this car — but this single mid-size claim costs you $1,750 more out of pocket. Nearly a year of the extra earnings, gone in one guest’s bad parking job. Note the shape of the risk, too: the 90 plan’s cap is $2,500, so the most common claims — bumpers, doors, rims, windshields, typically $500–$2,500 — fall entirely on you. The 90 plan only starts sharing cost on the rarer, bigger hits.
Run the same math on a $6,000 claim (a serious collision) and the 90 plan pays $2,500 while Turo covers $3,500; the 75 plan still costs you just $250. The 90 plan converts you into a self-insurer for small claims in exchange for a 15-point raise. Whether that trade wins depends entirely on how often guests damage your cars — and on whether you can absorb a $2,500 hit without touching rent money.
Which plan fits which reserve level
We think about plan choice as a reserves question first and an earnings question second, because the downside arrives as one lump sum and the upside arrives $150 at a time.
Start on the 75 plan (most hosts)
The 75 plan is the default for a reason: your worst case per claim is a capped, survivable $250, and you keep three quarters of the trip price. When we walk a new host through their first-car launch budget, this is the plan we assume. A $250 hit stings; it does not break a business.
Use the 60 plan when a claim would end you
If you’re starting with genuinely zero cushion — the car took every dollar you had — the 60 plan’s $0 damage responsibility buys you time to build reserves. It costs you $150/month per $1,000 of gross versus the 75 plan, which is expensive insurance, so treat it as a temporary state: bank the early profits, then move up. It can also make sense for cars whose panels cost a fortune (aluminum bodies, sensor-packed bumpers) where even “minor” claims run large.
Move to the 90 plan when the math and the reserves both say yes
Our rule of thumb before switching a car to the 90 plan:
- $2,500 per car sitting in reserve — actually liquid, not “available credit.” Two cars on the 90 plan means $5,000, because claims don’t schedule themselves one at a time.
- A damage history you trust. After 20–30 trips per car you know your renter profile. Airport commuters treat cars differently than downtown weekend renters.
- The break-even works. The 90 plan pays +15% of gross versus the 75 plan and risks $2,250 more per claim. On a $1,000/month car that’s +$1,800/year — it wins if the car averages fewer than about 0.8 paid claims per year, and loses badly if guests ding it twice a season.
Higher-grossing cars tilt the math toward the 90 plan: at $2,000/month gross the extra share is $3,600/year against the same capped $2,500 downside. Cheap, slow cars tilt the other way. This is also why the plan being per-vehicle matters — you can run the workhorse Corolla on 90 and the newly listed, unproven car on 75. You can change a car’s plan anytime, but the change only applies to trips booked after the switch — already-booked trips keep their original plan.
You can’t pick a plan without per-car numbers
Every decision in this article — start at 75, move this car to 90, drop that one back — runs on two numbers you have to actually know: what each car grosses, and what its claims and repairs have cost. Fleet-wide averages will lie to you; one accident-prone listing can make the whole fleet look wrong for the 90 plan when really it’s one car that needs the 75 plan and a lockbox in a better neighborhood.
This is exactly the job we built FleetGrow for: every car gets its own P&L with income and expenses by category, so damage costs, deductibles, and repair bills sit next to the revenue they ate. When the annual “should this car move to the 90 plan?” question comes up, the answer is a filter, not an archaeology project. The first two cars are free, which conveniently covers most hosts still deciding between plans.
Three plan mistakes we keep seeing
- Confusing trip coverage with insurance. The earnings plan protects the trip window only. Between trips your personal policy almost certainly excludes commercial use — you need off-trip commercial coverage (we compare Tint and Roamly in the starter guide’s insurance section).
- Picking 90 for the percentage, budgeting for nothing. If a $2,000 surprise would go on a credit card at 24% APR, the 90 plan’s “raise” is an illusion. The plan pays you to be your own small-claims insurer — only take the job if you hold the float.
- Never revisiting the choice. Plans set in January stay set out of inertia. Utilization changed? Car aged into cheaper ACV? New market? Re-run the break-even twice a year — it takes five minutes when the per-car numbers are already tracked.
Frequently asked questions
What are Turo's earnings plans?
Earnings plans are how US hosts split trip revenue and damage risk with Turo since January 7, 2026. There are three: the 60, 75, and 90 plans — the number is the percentage of the trip price you keep. The higher your share, the more damage responsibility (your out-of-pocket portion of an eligible physical damage claim) you carry: $0 on the 60 plan, up to $250 on the 75 plan, and up to $2,500 on the 90 plan. All three include up to $750,000 in third-party liability insurance via Travelers.
What happened to the old Turo protection plans (80 and 85)?
Turo retired the five-tier protection plan lineup (60, 75, 80, 85, 90) on January 7, 2026 and replaced it with three earnings plans. The 80 plan ($750 deductible) and 85 plan ($1,625 deductible) no longer exist for new bookings — hosts who sat in the middle now have to pick a side: the 75 plan's near-full protection or the 90 plan's higher share with up to $2,500 of damage responsibility.
How much do I pay if a guest damages my car on Turo?
Your damage responsibility, up to your plan's cap, for each eligible claim. On a $2,000 eligible claim you'd pay $0 on the 60 plan, $250 on the 75 plan, and the full $2,000 on the 90 plan (the 90 plan's cap is $2,500, so any claim below that is entirely yours). Turo reimburses eligible costs above your responsibility, up to the vehicle's actual cash value or $200,000, for damage that occurs during the trip period.
Which Turo earnings plan is best for a new host?
Most new hosts do best starting on the 75 plan: you keep a meaningful share while capping your worst case at $250 per claim. Move to the 90 plan once you hold at least $2,500 of reserves per car and your monthly gross makes the extra 15 points of share worth the added exposure — on a car grossing $1,000/month that's an extra $150/month against a worst case of $2,250 more per claim.
Does a Turo earnings plan cover my car between trips?
No. Earnings plan protection applies to the trip period only. Between trips your personal auto policy almost certainly excludes commercial use, which is why hosts carry off-trip commercial insurance such as Tint or Roamly. The earnings plans also don't reimburse wear and tear or loss of hosting income while a car sits in the shop.
Can I change my Turo earnings plan, or use different plans per car?
Yes to both. The plan is set per vehicle and you can change it at any time in your listing settings. Changes only apply to trips booked after the change — pending requests, booked, and in-progress trips keep the plan they were booked under.