Turo Car Rental Host Earnings Calculator
Estimate net Turo host earnings after platform fees (25-40%), insurance, maintenance, and depreciation.
Enter daily rate and occupancy to see profit and ROI.
The Turo plan trade-off
Turo isn’t a flat-fee platform. Hosts pick a protection plan, and the plan determines both Turo’s cut and how much insurance Turo provides during rentals:
| Plan | Turo fee | Your share | Liability coverage | Physical damage coverage |
|---|---|---|---|---|
| 60 Plan | 40% | 60% | $750k | Full (deductible $0) |
| 75 Plan | 25% | 75% | $750k | Full with $250 deductible |
| 80 Plan | 20% | 80% | $250k | Full with $750 deductible |
| 85 Plan | 15% | 85% | $250k | Full with $2,500 deductible |
The 85 Plan keeps more revenue but exposes the host to a $2,500 hit on any damage claim — plus less liability if a renter injures someone. New hosts almost always start on the 75 Plan: balanced fee, full coverage with a manageable deductible.
Gross to net math
gross revenue = daily rate × days rented per month host earnings = gross × (1 − Turo fee rate) net profit = host earnings − car payment − insurance − maintenance − cleaning − tolls
A $65/day rental booked 18 days a month on the 75 Plan:
- Gross: $65 × 18 = $1,170
- Turo’s 25% cut: $292.50
- Host earnings: $877.50
- Less $400 car payment, $150 insurance, $80 maintenance: $247.50/month net
The hidden costs most hosts underestimate
- Accelerated depreciation. A car driven 30,000 miles/year loses value 3 to 4x faster than a personal car at 10,000 miles/year. KBB drops resale value by roughly $0.10 to $0.20 per mile for high-mileage cars.
- Maintenance. Brakes, tires, and oil changes happen more often. A Camry on Turo eats brakes every 6 to 9 months instead of every 2 years. Budget $0.10 to $0.15 per rental mile for maintenance over the long run.
- Cleaning. $15 to $40 per turn for interior detailing if you outsource. Smoking, pet, and vomit cleanings can run $200 to $500 and clients dispute them constantly.
- Tickets and tolls. Turo charges renters but the admin fee falls on you when disputed.
- Loaner days. Days the car is in the shop are days you can’t rent. Budget 5 to 10% downtime annually.
Personal insurance — a real problem
Most personal auto insurers will void your policy entirely if they learn the car is on Turo. Geico, State Farm, and Allstate have all done this. Turo’s coverage is in force during the rental, but during the periods when the car is between rentals — you driving to the airport for a delivery, for example — there is often a coverage gap. Some insurers (Liberty Mutual, USAA) offer Turo-specific rideshare riders; most don’t. Read your policy carefully before listing.
Top-earning vehicles on Turo (2024 data)
| Vehicle class | Typical daily rate | Notes |
|---|---|---|
| Tesla Model 3/Y | $90 to $130 | High demand, low fuel cost to renter |
| Jeep Wrangler | $80 to $120 | Vacation/adventure renters |
| Convertibles (Miata, Mustang) | $70 to $110 | Vacation cities, season-dependent |
| Luxury sedan (BMW, Mercedes) | $100 to $180 | Higher damage risk |
| Cargo van | $90 to $140 | Movers and contractors; low glamour, steady demand |
| Compact economy (Corolla, Civic) | $40 to $65 | Lower margin per day; volume play |
Airport-adjacent locations consistently outperform city listings. The convenience premium is real.
Break-even and ROI
A reasonable test: if your car’s monthly cost (payment + insurance + maintenance + depreciation reserve) is $X, you need monthly host earnings of at least $X × 1.4 to make Turo worth it (covering occasional bad months, repair surprises, and your time). For a $700/month all-in cost, target $1,000+ in monthly host earnings — translating to roughly 18 booked days at $75/day on the 75 Plan.
Turo can work as a serious side income, but treating it as “passive” is a fast way to burn out and lose money. It’s a small fleet operation, full stop.