The three US host plans
Turo’s host plans (now called earnings plans) set two numbers for each car (Turo Help): how much of the trip price you keep, and your damage responsibility, what you pay per incident before Turo reimburses physical damage.
| Plan | You keep | Damage responsibility |
|---|---|---|
| More peace of mind | 70% | $250 |
| Balanced | 80% | $1,500 |
| More earnings | 90% | $2,750 |
Every plan includes third-party liability insurance up to $750,000 (state minimums for peer-to-peer car sharing in New York).
The break-even between plans
Each step up gives you 10 points more of every trip and $1,250 more risk per incident. The higher plan therefore pays off once 10% of your yearly trip revenue exceeds $1,250 per expected incident, about $12,500 of trip revenue a year per incident, assuming each repair costs at least the higher responsibility.
| $900 a month of trips, 1 incident a year, $2,000 repair | Fees | Fee rate | Profit |
|---|---|---|---|
| More earnings · 90% | $1,080.00 | 10.0% | $7,720.00 |
| More peace of mind · 70% | $3,240.00 | 30.0% | $7,310.00 |
| Balanced · 80% | $2,160.00 | 20.0% | $7,140.00 |
Notice the result above: with a $2,000 repair, More earnings only costs you $2,000 (the repair is under its $2,750 limit), so it wins even at modest revenue. Small, frequent damage favours the high plan; big, rare damage favours peace of mind for small fleets.
How we’d choose
- New host, one car, under $12,500 a year: More peace of mind or Balanced. One bad incident on More earnings can wipe out months of the extra 10%.
- Established host with spare cash and low damage history: More earnings.
- Fleet: model it per car. Turo lets you pick a different plan for each.
Use the calculator above with your own numbers, then estimate monthly income in the Turo calculator.