Does Geico Insurance Cover Turo Rentals? Explained

Does Geico insurance cover Turo

Turo, often referred to as the “Airbnb of cars,” has revolutionized the way people rent vehicles. It’s a peer-to-peer car-sharing platform that allows car owners to rent out their cars to travelers. If you’re considering using Turo, you might be wondering whether your Geico auto insurance covers rentals from this platform. In this article, we’ll delve into the details to help you understand whether Geico insurance extends to Turo rentals and what you need to know to ensure you’re adequately covered.

Understanding Turo Rentals

  1. Peer-to-Peer Car Sharing: Turo allows individuals to rent cars from local car owners. It provides a wide range of vehicle options often at more competitive rates than traditional car rental companies.
  2. Insurance for Turo Rentals: When renting a car on Turo, it’s essential to consider insurance coverage, as it can vary depending on the owner’s insurance and Turo’s policies.

Does Geico Insurance Cover Turo Rentals?

Geico, like most auto insurance providers, offers coverage primarily for personal use of your vehicle. Here’s what you need to know about Geico and Turo rentals:

  • Personal Auto Insurance: Geico’s standard auto insurance policies typically do not cover vehicles rented out on platforms like Turo. They are designed for personal use and may not extend to commercial or rental activities.
  • Rental Car Coverage: Geico offers rental car coverage as an optional add-on to your policy, which covers traditional rental cars. However, this coverage may not apply to Turo rentals, as they often fall into a different category.

Additional Coverage Considerations

While Geico’s standard policies may not cover Turo rentals, there are some additional coverage options to consider:

  • Turo Host Protection Plan: Turo offers a host protection plan that provides liability coverage to vehicle owners. This coverage can protect you if a guest damages your car during the rental period.
  • Turo Guest Protection Plan: As a Turo renter, you can purchase the guest protection plan, which provides liability coverage and covers physical damage to the vehicle in case of an accident.

Steps to Ensure Proper Coverage

To ensure you have the right coverage when renting a car on Turo, consider the following steps:

  1. Review Your Geico Policy: Contact Geico and discuss your rental intentions with them. They can provide guidance on whether you need additional coverage.
  2. Check Turo’s Insurance: Review Turo’s insurance policies and understand what coverage they offer to both hosts and guests.
  3. Consider Additional Coverage: Depending on your role (host or guest) and the level of coverage you desire, you may opt for Turo’s protection plans.


Renting a car on Turo can be a convenient and cost-effective way to travel, but it’s crucial to understand the insurance aspects. Geico’s standard auto insurance policies may not extend to Turo rentals, so it’s essential to explore additional coverage options provided by Turo itself. By taking the necessary steps to ensure proper coverage, you can have peace of mind while enjoying your Turo rental experience.

FAQs (Frequently Asked Questions)

1. Does Geico offer specific insurance for Turo rentals?

Geico’s standard auto insurance policies are designed for personal use and may not cover Turo rentals. You may need to explore additional coverage options, such as those offered by Turo.

2. What is Turo’s Host Protection Plan?

Turo’s Host Protection Plan provides liability coverage to vehicle owners in case a guest damages their car during a rental period.

3. Can Turo renters purchase insurance coverage?

Yes, Turo renters can purchase the Turo Guest Protection Plan, which offers liability coverage and covers physical damage to the vehicle in case of an accident.

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