Turo's three US earnings plans trade a bigger cut for more damage risk. Here's the math to find which plan fits each of your cars.
Turo's US earnings plans come down to one trade: a bigger share of every trip in exchange for paying more when a guest damages your car. The 70% plan costs you $250 per damage claim, the 80% plan $1,500, and the 90% plan $2,750.
The short answer: each step up pays off if the car earns enough in a year to cover the extra damage risk. As a rule of thumb, a car needs about $12,500 a year in trip price for every damage claim you expect before moving up a plan makes sense. Below that, the cheaper-risk plan usually wins. The rest of this post shows where that number comes from and how to apply it car by car.
What are the three Turo earnings plans?
Turo replaced its old five protection plans with three earnings plans on January 7, 2026. As of today, the US plans are:
| Plan | Host share | Damage responsibility per claim | Window to send fuel, charging or mileage invoices |
|---|---|---|---|
| More Peace of Mind | 70% | $250 | 5 days |
| Balanced | 80% | $1,500 | 4 days |
| More Earnings | 90% | $2,750 | 3 days |
"Damage responsibility" is Turo's newer word for what it used to call a deductible. Above that amount, Turo reimburses eligible physical damage, up to the lesser of the car's actual cash value or $200,000 for a total loss.
A few things don't change with the plan. Approved reimbursements for fuel, charging, tolls and tickets pay you 100%, and so do approved cleaning and smoking fees. Delivery and Extras pay 90% on every plan. The split only applies to the trip price and a few related charges.
If you've never touched the setting, you're on More Peace of Mind. Turo opts US hosts into that plan by default.
What does each step up actually earn you?
Every step is 10 percentage points of the trip price. Here's an example car. The numbers are made up to show the math, not averages:
- Daily rate: $60
- Booked: 18 days a month
- Trip price: $1,080 a month, or $12,960 a year
| Plan | You keep per month | You keep per year |
|---|---|---|
| 70% | $756 | $9,072 |
| 80% | $864 | $10,368 |
| 90% | $972 | $11,664 |
So moving from 70% to 80% adds $1,296 a year. Moving from 80% to 90% adds another $1,296.
What does each step up cost you?
Each step also adds $1,250 to what you pay on a damage claim:
- 70% to 80%: $1,500 minus $250 = $1,250 more per claim
- 80% to 90%: $2,750 minus $1,500 = $1,250 more per claim
For the example car, each step up earns $1,296 a year and costs up to $1,250 per claim. That's almost exactly a wash at one claim a year. If the car has no claims, the 90% plan puts $2,592 more in your pocket than the 70% plan. If it has two big claims, the 90% plan costs you about $2,400 more than it earns over 70%.
The break-even formula
Because every step is 10% of the trip price against $1,250 more risk, the math is the same for both steps:
Claims per year you can absorb = yearly trip price ÷ $12,500
That's 10% of trip price divided by $1,250. Here it is at three example revenue levels:
| Yearly trip price (example) | Extra kept per step up | Claims per year to break even |
|---|---|---|
| $7,200 | $720 | 0.6 |
| $12,960 | $1,296 | 1.0 |
| $24,000 | $2,400 | 1.9 |
Read it like this. A car that brings in $7,200 a year in trips gains only $720 per step up. One serious claim every couple of years wipes that out. A car doing $24,000 a year can take almost two serious claims a year at the higher plan and still come out ahead.
So the higher plans favor cars that earn a lot. Cheap cars that book a modest number of days usually belong on a lower plan.
Small claims change the math
The $1,250 gap only applies in full when the damage is at least as big as the higher plan's responsibility. Smaller damage closes the gap.
Example: a guest causes $900 of damage.
- On 70%, you pay $250.
- On 80% or 90%, you pay the full $900, because it's under your responsibility amount.
The difference is $650, not $1,250. A $3,000 claim, on the other hand, costs you $250, $1,500 or $2,750 depending on the plan, so the full gap applies.
That cuts both ways. If most of your damage is scuffs and curb rash, the real cost of moving up is smaller than the headline numbers. If you've had a total loss or a big collision, you've seen the full gap.
How do you know how many claims to expect?
Use your own history, not a guess. Count the damage claims you filed on each car over the past year or two, and note what each one cost. If you're brand new, you have no history, and that's a reason to be cautious: one early claim on the 90% plan can erase months of the extra 10%.
Also ask yourself honestly whether you could pay $2,750 out of pocket next week without trouble. If not, the plan isn't only a math question. A low plan buys predictability.
Should every car be on the same plan?
No, and you don't have to put them all on one. Turo lets you change the plan per listing or for all your cars at once, and you can change it any time.
Two rules from Turo's help center worth knowing:
- A change only applies to future trips. It won't apply to pending requests or trips that are already booked or in progress.
- Because of that, switching plans right before a trip you're nervous about does nothing for that trip.
A sensible split for a small fleet is to look at each car on its own. A high-earning car with a clean record is a candidate for 90%. A cheap car that books 12 days a month, or a car that keeps coming back scuffed, probably belongs on 70% or 80%.
What if you host in a variable host share city?
Since March 31, 2026, hosts in Austin, Dallas, Detroit, Las Vegas, Maui, Philadelphia, Phoenix, San Diego and Seattle get a host share that depends on the plan and how far ahead the guest books:
| Booked ahead | More Peace of Mind | Balanced | More Earnings |
|---|---|---|---|
| 28+ days | 80% | 90% | 100% |
| 14 to 27 days | 75% | 85% | 95% |
| 3 to 13 days | 70% | 80% | 90% |
| 0 to 2 days | 65% | 75% | 85% |
The gap between plans is still 10 points at every booking window, so the break-even formula above still works. What changes is your average share. If most of your trips are last-minute, you're earning 5 points less than the headline plan number. If you get a lot of trips booked a month out, you earn more. Your actual share is fixed at booking and shown on the trip receipt.
Other plan details worth a look
The plans also differ on how long you have to send refueling, recharging and mileage invoices: 5 days on More Peace of Mind, 4 on Balanced, 3 on More Earnings. Miss the window and you can miss the money, so on 90% you need to be on top of post-trip invoicing.
Liability coverage terms can also vary by plan and state, and Turo changes these pages often. Read the in-detail plan page for your state before you decide.
The bottom line
- Every step up is worth 10% of the trip price and costs up to $1,250 more per claim.
- Divide a car's yearly trip price by $12,500. That's how many serious claims a year it can take at the higher plan and still break even.
- Decide per car, using that car's own revenue and claim history.
To use the formula you need each car's actual yearly trip price and its damage history in one place. FleetEarnings reads your Turo earnings export, shows income and profit per car, and tracks damage claims, so you can see which cars have earned a higher plan. For the bigger picture on what a car really makes, see how much Turo hosts actually make per car, or run your numbers in the Turo profit calculator.
Sources: Turo help center pages on earnings plans for US hosts, earnings and host share, updating a vehicle earnings plan and new and upcoming on Turo. Terms checked October 8, 2026. FleetEarnings is not affiliated with Turo, Inc.