Does Allstate Cover Turo Rentals in 2023?-(Updated Answer and Alternatives )

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Turo is a web-based platform that allows individuals to rent out their personal vehicles to others in their city. Turo offers a wide variety of vehicles to choose from, so you’re sure to find the perfect car for your needs. But what if you have your personal auto policy with Allstate?

Does Allstate cover Turo rentals?

In this article, we’ll give you all the information you need to know about Allstate’s coverage for Turo.

Does Allstate Cover Turo Rentals?

Does Allstate Cover Turo Rentals?

Short answer: There is no short answer.

The long answer depends on whether you are a Guest or a Host.

For Guests(Renters);

For Guests, Yes. Allstate does cover Turo rentals. Your Allstate auto policy will extend to your Turo rentals. This is unlike other insurance companies like Geico which are against peer-to-peer car-sharing platforms like Turo.

However, it is worthwhile to note that Allstate will provide coverage up to the limits of your auto policy in excess of any other existing insurance. So if you own a standard car and you want to rent a car with all the bells and whistles for a weekend trip, it is important to check your coverage limits in order to get some extra coverage.

Coverage that may extend includes;

  • Liability
  • UM/UIM
  • Physical damage
  • Personal injury protection
  • Medical payments
  • Roadside Assistance

To confirm you’ll have coverage, reach out to your car insurance agent. They can go over your coverage and advice if you need any additional coverage on a Turo.

Overall, Allstate does cover Turo rentals. Make sure you have a personal policy with Allstate and the proper coverage in place before renting a car through Turo.

Read Also // Does USAA Cover Turo in 2023?-(For Guests and Hosts)Opens in a new tab.

For Hosts(Owners);

We’ve come to the conclusion that Allstate covers Turo for guests. But what about hosts? For hosts, Allstate does not cover your car when you rent it out to Turo on the Turo platform. It will only cover it when you are driving it.

Allstate clearly states that coverage of your personal insurance policy does not extend to the business use of the car.

Since it doesn’t support commercial activity, you can contact an Allstate agent in your regionOpens in a new tab. to guide you to get a commercial policy that will cover your car while on the Turo platform.

There are two options here;

  • Upgrade to a commercial policy
  • Use Travelers protection package via Turo

Read Also// Does State Farm Cover Turo Rentals?-(Turo Insurance)Opens in a new tab.

Getting a Commercial Policy

Does Allstate Cover Turo Rentals

Getting a commercial insurance policy is a way of getting your Turo car properly covered. According to, claims involving business vehicles are often much more expensive than those involving personal vehicles. This may strain your finances more so if your Turo business is not at its peak.

These are some of the high-rated consumer car insurance companies that offer commercial policies.

  • Progressive
  • Geico
  • State Farm
  • Allstate

If commercial insurance doesn’t go well with you, you got the option of getting covered by Turo protection plans.

Using Travelers protection package via Turo

In Turo, liability protection is available through Travelers Excess and Surplus Line Company. Remember that if in case you have personal insurance, it will kick in before your Turo protection plan(They are secondary).

For Hosts

It is important for a host to choose the protection plan that makes sense to him or her.

If you are opting for this protection, a percentage of the trip cost is taken by Turo.

Every protection plan includes liability insurance, physical damage reimbursement, and access to 24/7 road assistance.

Here are the 5 packages available for hosts;

Protection PlanPlan PriceDeductible
9010% of the trip price$2500
8515% of the trip price$1625
8020% of the trip price$750
7525% of the trip price$250
6040% of the trip price$0

With a 60-protection plan, a host has to pay absolutely zero deductible but remember Turo takes 40% of the trip cost. The benefits are;

  • Rental reimbursement coverage of up to $50 per day with a 10-day maximum.
  • Exterior wear and tear reimbursement.
  • Pays for loss of income while your vehicle is being repaired.

With the lowest protection plan being 90, Turo will take 10% of the trip cost and if you get into an accident, there will be a $2500 deductible and there will be no replacement vehicle reimbursement during a repair. Also, it does not include exterior wear and tear and also loss of hosting income during the repair.

Although the 90 plan is good since you take 90% of your money, you should also be mindful of the risks you bear.

For Guests

You will choose between three protection plans which provide different levels of coverage;

  • Premier
  • Standard
  • Minimum

These protection plans cost a percentage of your total trip price.

Cost65% to 100% of the trip price40% of the trip price15% to 25% of the trip priceNo cost
Minimum charge per day$14$12$10No cost
Coverage limitsUp to 750,000
Up to $1250000 in NY
The minimum amount of third-party liability insurance coverage required by the state. The minimum amount of third-party liability insurance coverage required by the state. The minimum amount of third-party liability insurance coverage required by the state.


  • Cost: 15% to 25% of the trip price. Minimum of $10/day.
  • Third-party liability coverage: Minimum amount required by the state.
  • Deductible: $3,000.


  • Cost: 40% of the trip price. Minimum of $12/day.
  • Third-party liability coverage: Minimum amount required by the state.
  • Deductible: $500.


  • Cost: 65% to 100% of the trip price. Minimum of $14/day.
  • Third-party liability coverage: Up to $750,000.
  • Deductible: $0

To buy the premier package you must be 21 years or older. Also, it is not available for all vehicles or trips.

You May Also Read // Does Progressive Cover Turo?-(All You Need to Know)Opens in a new tab.


If you’re considering renting a car through Turo, it’s important to know whether or not your insurance will cover you in case of an accident. Be sure to read the fine print in your policy so that you know exactly what is and isn’t covered before you hit the road.

Industry experts also advise that you should not try to get insurance yourself directly, instead, get an agentOpens in a new tab. to assist you through the process.

You May Also Read // Does Geico Cover Turo?-(For Hosts and Guests)Opens in a new tab.

Does my credit card insurance cover Turo?

Since Turo is not a rental car company it is very unlikely that credit card company provides coverage for damage to a car, and even less likely that it provides liability coverage for injuries or damage you may cause to other people or their property.

Does GEICO cover Turo 2023?

GEICO does not generally cover Turo rentals. The company is against peer-to-peer car-sharing platforms like Turo and Getaround.

What type of insurance do I need for Turo?

Turo offers protection plans for all guest trips. There is no need for personal insurance coverage if Turo’s protection plan chosen. Personal insurance provides secondary (excess) coverage to any auto liability.

Do credit cards cover insurance on rental cars?

The coverage that most credit cards offer, typically for damage to or theft of the rental car, kicks in after personal auto insurance pays. But that so-called secondary coverage can be valuable.

Do Turo hosts need insurance?

You must have your own car insurance to list your vehicle on Turo platform and must choose one of the protection plans available for hosts.

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Chelsea Gates is one of our writers who is a big fan of travel and road trips. Car is an essential part of travel in the USA and car rental services are an excellent way to get around and to create an exciting unique trip. It can be challenging to navigate rules and regulation among different rental companies and states. As an author for this blog Chelsea shares her experience and tips on all rental services that she had to navigate during the travel. She is always on the move and shares her views and discoveries with our readers.

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