Insurance is the least fun part of running a Turo fleet and the fastest way to lose one. We have watched hosts run great listings for a year, then eat a five-figure loss because the car was hit on the way back from a detail — a window no personal policy and no Turo plan was covering. We buy off-trip coverage for our own cars, we have quoted every option in this article, and this is the guide we give friends who ask “so what insurance do I actually need?” The short answer: coverage lives in two windows — during trips and between them — and you need a plan for both.
Prices and program terms below are current as of August 2026 and were checked against vendor pages on publish day. Insurers change rates and eligibility constantly — always confirm with the provider before buying. Nothing here is insurance, legal, or tax advice.
The two windows: trip and off-trip
Every minute of your car’s life falls into one of two buckets, and a different policy is responsible for each:
- The trip window — from the moment a guest’s trip starts to the moment it ends. Turo’s earnings plan covers this window.
- The off-trip window — everything else: the car parked at home, the drive to the car wash, delivering it to the airport, test drives after a repair. Turo’s protection does not apply here, and neither does a personal policy once your carrier learns the car is a business asset.
Most new hosts obsess over the first window because Turo puts it in the signup flow, and ignore the second because nobody makes them buy it. That is exactly backwards: the trip window is handled the moment you pick a plan, while the off-trip window is a gap you have to close yourself.
During trips: your earnings plan is the insurance
Since January 7, 2026, US hosts choose one of three earnings plans — 60, 75, or 90 — and the plan is also the trip-window protection. All three include up to $750,000 in third-party liability coverage under a policy issued to Turo by Travelers, plus reimbursement for eligible trip-period physical damage above your damage responsibility: $0 on the 60 plan, up to $250 on the 75, and up to $2,500 on the 90. We put worked claim examples and the reserve math behind that choice in our full breakdown of the 60, 75, and 90 plans — this article is about everything the earnings plan does not cover.
What it does not cover is the point: wear and tear, loss of income while a damaged car sits in the shop, mechanical failure, and — the big one — anything that happens outside the trip window. The gap between trips is where the rest of this guide lives.
Why your personal policy will not save you
Personal auto policies are priced for commuting and groceries, and nearly all of them exclude commercial use. The moment your car earns money on Turo, three bad things become possible:
- Claim denial. The carrier investigates, finds the Turo listing, and denies the off-trip claim as excluded business use. You pay the loss.
- Cancellation and non-renewal. Carriers routinely drop policyholders they discover hosting — even ones who never filed a claim. Losing your personal policy also raises rates on your household’s other cars.
- Rescission. If the carrier decides you misrepresented how the car is used, it can unwind the policy entirely — as if you were never insured.
“I just won’t tell them” is not a strategy; it is a deferred catastrophe. The honest fix costs $56–$100 per car per month: a commercial off-trip policy written for carshare hosts. In the US market, the two names every host compares are Tint and Roamly, with a local commercial broker as the third door.
Tint: Turo’s embedded partner
Tint is the off-trip product Turo itself promotes to hosts, and it is usually the cheapest way to cover a Turo-only fleet — if you qualify. As of August 2026:
- Price. Liability-only from about $56/month per car with no deductible; plans that add physical damage from about $89/month, with a choice of deductible options. Tint advertises average savings of ~$951 per vehicle per year versus keeping personal coverage — vendor math, but directionally real, because off-trip policies price only the miles the car actually drives between trips.
- Eligibility. You need 3 or more vehicles listed on your Turo account. One- and two-car hosts are out — see Roamly and brokers below.
- Scope. Turo business use only. Rent the same car directly to a repeat guest or list it on another platform and you are outside the policy.
- Telematics. Connect each car to an approved GPS tracker within 60 days or the car moves to a pricier non-telematics plan. Utilization is rewarded too: booking a car 60%+ of the time earns up to a 10% renewal discount.
The GPS requirement is not a nuisance — it is the discount lever. We already run trackers in every car for theft recovery and mileage truth, so Tint’s telematics rates are free money for a fleet like ours.
Roamly Carshare: the flexible one
Roamly Carshare comes out of the Outdoorsy family and sells the coverage Tint will not: smaller fleets and business use beyond Turo. As of August 2026:
- Price. From about $59/month per car. Quotes move with fleet size, vehicles, and history, so treat the floor as a floor.
- Eligibility. 2 or more vehicles, with no upper cap — Roamly markets the same product to 3-car hosts and 300-car operators.
- Scope. The reason we pay attention: it covers direct rental and other platforms, not just Turo. If you ever plan to take bookings off-platform, this is the off-trip policy that follows the car instead of the marketplace.
- Telematics. Roamly asks for a connected telematics device within 30 days, which feeds its rates, theft recovery, and weather alerts.
Tint vs Roamly, side by side
Figures below are vendor-published starting points as of August 2026 — your quote will differ by state, vehicles, and history.
| Tint (Turo's partner) | Roamly Carshare | |
|---|---|---|
| Starting price | ~$56/mo per car liability-only (no deductible); ~$89/mo with physical damage | from ~$59/mo per car |
| Minimum fleet | 3+ cars listed on Turo | 2+ cars, no upper cap |
| Scope | Turo business use only | 24/7 off-trip incl. direct rental and other platforms |
| Telematics | Approved GPS within 60 days, or moved to pricier non-telematics plan | Connected device within 30 days |
| Discounts | Lowest rates on telematics plans; up to 10% renewal discount at 60%+ utilization | Varies by fleet size and history |
| Best for | Turo-only fleets of 3+ cars optimizing cost | 1–2 car hosts (from 2 cars) and anyone mixing Turo with direct rental |
Our rule of thumb: Turo-only and 3+ cars → quote Tint first. Two cars, or any direct-rental ambition → quote Roamly first. Then quote the other one anyway, because carshare insurance pricing is young and moves often.
When a local commercial broker beats both
Before Tint and Roamly existed, hosts insured fleets the way every small transportation business does: a commercial auto policy through a local independent broker. That path still wins in specific situations:
- One car. Below both vendors’ minimums, a broker is often the only legitimate option besides parking the car between trips.
- Excluded vehicles. Exotic, salvage-history, or high-value cars that platform products decline can often be written on a standard commercial policy.
- State quirks. In a few states the platform products are thin or unavailable; brokers know which local carriers will actually write carshare.
- Bundling. Once you have an LLC, a shop bay, or employees, one broker handling commercial auto + general liability + garage keepers can beat three separate policies.
The trade-off is price and fit: a generic commercial auto policy often runs $150–$300+ per car per monthbecause it is priced for cars that drive all day, not cars that sit between guests. If a broker quotes you triple Tint’s rate, that is not a scam — it is a product mismatch. Bring the vendor quotes to the broker and let them try to beat the number.
Deductible strategy by fleet size
Your real exposure is the sum of both windows: the earnings plan’s damage responsibility during trips, plus the off-trip deductible you picked. The mistake we see is optimizing each in isolation until a single bad week can hit both. Think in terms of cash reserve per car:
| Fleet size | Sensible structure | Why |
|---|---|---|
| 1 car | Turo 60 or 75 plan + broker off-trip policy, lowest deductible you can afford | No fleet cash buffer — one claim is your whole business. Pay premium to cap downside. |
| 2 cars | 75 plan + Roamly, moderate deductible | You qualify for Roamly at 2 cars. Reserves are still thin; keep per-claim exposure under ~$1,000. |
| 3–5 cars | 75 plan + Tint (or Roamly if direct rental), GPS on every car | Tint's 3-car minimum unlocks. Telematics rates + utilization discount reward exactly what a tight fleet already does. |
| 6+ cars | Mix of 75/90 plans + higher off-trip deductibles, $2,500+ reserve per car | With real reserves, raising deductibles and self-insuring small claims usually beats premium — the math is per car, so track it per car. |
The pattern: as reserves grow, you gradually stop renting the insurer’s balance sheet for small claims and keep the premium instead. But that only works if you actually know your per-car numbers — which car carries which policy, what each premium does to that car’s margin, and when each policy renews.
Where insurance meets your P&L
Insurance is typically the second-largest fixed cost per car after depreciation, and it is the one hosts most often track fleet-wide instead of per car — which hides the economy car whose premium quietly eats a third of its margin. We built FleetGrowfor exactly this kind of bookkeeping: each car carries its own expense history, so premiums land in that car’s P&L, and renewal alerts fire before a policy lapses — because an uninsured week in the off-trip window is precisely the risk you just paid this whole article to avoid. If you are still choosing your first car and plan, start with our guide to starting a Turo business.
Your first 2 cars are free forever on FleetGrow— log each car’s premium, set the renewal date, and you will never discover a lapsed policy from a claim denial.
Frequently asked questions
Do I really need off-trip insurance for my Turo car?
If the car does anything besides sit in your driveway between trips — you drive it to the car wash, deliver it to a guest, move it for street cleaning — yes. Personal auto policies almost universally exclude commercial use, and carriers routinely cancel policyholders they discover hosting on Turo. Turo's earnings plan only covers the trip window, so without commercial off-trip coverage an accident between trips can land entirely on you.
What does Tint off-trip insurance cost, and who qualifies?
As of August 2026, Tint's liability-only plan starts at about $56 per month per vehicle with no deductible, and plans that add physical damage start at about $89 per month with a choice of deductible options. You need at least 3 vehicles listed on your Turo account to qualify, and the coverage applies to Turo business use only. Connecting an approved GPS tracker within 60 days keeps you on the cheaper telematics rates.
What does Roamly Carshare cost, and who qualifies?
As of August 2026, Roamly Carshare starts at about $59 per month per vehicle for fleets of 2 or more cars, with no upper fleet cap. Unlike Tint, it covers business use beyond Turo — direct rentals and other platforms included — which is why hosts building their own booking channel tend to choose it. Roamly asks for a connected telematics device within 30 days of the policy start.
Can I just keep my personal auto policy and not mention Turo?
That is the most expensive shortcut in this business. Misrepresenting commercial use gives the carrier grounds to deny a claim and rescind the policy — meaning you pay the loss and lose the coverage. Hosting also shows up: carriers see claim patterns, mileage, and in some states carshare-platform data. Buy coverage that is actually written for what you do.
If I buy Tint or Roamly, do I still need Turo's earnings plan?
Yes — they cover different windows. Your Turo earnings plan (60, 75, or 90) provides up to $750,000 in third-party liability and physical damage reimbursement during trips. Tint and Roamly cover the time between trips, when Turo's protection does not apply. You need both layers; neither replaces the other.
How does a GPS tracker lower my insurance cost?
Off-trip insurers price partly on how much the car actually drives outside of trips. A connected GPS device proves your off-trip mileage is low, which is why Tint reserves its lowest rates for vehicles connected to an approved tracker within 60 days, and Roamly asks for a telematics device within 30 days. A ~$70–90 device plus $8/month is routinely cheaper than the premium difference it unlocks.