Turo narrowly leads for peer-to-peer car sharing with insurance for owners, with Getaround close behind. Getaround is also described as covering damage to the owner’s car and third-party property.
If you’re looking to rent out your personal car to other drivers and want strong protection against accidents, theft, and liability claims, I’d start with Turo in the United States. However, there’s an important distinction: a platform can offer comprehensive protection without providing a traditional comprehensive insurance policy for every type of loss.
Best peer-to-peer car-sharing platforms to investigate
1. Turo
(Best starting point in the US)
Turo offers hosts liability insurance of up to $750,000 in most US situations, plus contractual reimbursement for eligible physical damage and theft, subject to plan terms and exclusions.
The major peer-to-peer (P2P) car-sharing platforms build protection and insurance directly into their models specifically to cover car owners (hosts) during active rentals . Because standard personal auto insurance policies typically exclude commercial or peer-to-peer sharing, these platforms step in with dedicated coverage during the trip.[]()
Are there any P2P car rental services that include full insurance coverage for the vehicle owner?
More earnings: 90% host share; $2,750 damage responsibility.
The percentages and damage amounts are published plan terms; eligibility and conditions apply. Physical-damage reimbursement is contractual, not insurance.
Getaround describes protection for third-party liability, vehicle damage, fire, and theft during rentals. Its published insurance information references European insurance partners, so you should confirm whether it currently operates and accepts host vehicles in your area before considering it.
One important update: Getaround announced that it wound down US operations in February 2025, so I would not consider it a current US option.
What “comprehensive insurance” should mean for you
Before listing your car, verify these five things:
Liability: Bodily injury and property damage claims if a renter causes an accident.
Collision damage: Damage to your own car, even if the renter is at fault.
Theft and total loss: Protection if the car is stolen or cannot be repaired.
Deductible or damage responsibility: The maximum amount you may have to pay per incident.
Coverage gaps: Whether loss of rental income, diminished value, mechanical damage, and damage outside the reservation period are excluded.
Turo's US host program addresses several of these risks, but its vehicle-damage reimbursement is contractual rather than traditional insurance, and exclusions apply. You must also maintain personal auto insurance, which may not cover the car while it is being rented.
Let me narrow this down for you
Are you planning to share your car in California, or somewhere else? And is your priority to rent out just one personal vehicle or build a fleet of several cars?
With that information, I can focus on platforms and insurance arrangements that fit your location and your desired level of owner protection.
The primary platforms providing comprehensive host protection include:
Turo – Operates a tiered host earnings plan system. Depending on the plan you select, Turo provides up to $750,000 in third-party liability insurance (issued by Travelers Excess and Surplus Lines Company) and covers physical damage (including theft or total loss) up to the actual cash value of the vehicle (or $200,000, whichever is less). You can review the details directly via the Turo US Host Earnings Plans.[](https://help.turo.com/en_us/earnings-plans-in-detail-us-hosts-ByMOIVxEc)
The Hand-off: The platform's insurance policy is only active during the designated rental period (starting when the guest checks in and ending at check-out). Your personal auto insurance remains responsible outside of those windows.
Tiered Deductibles: Higher payout or lower host deductibles usually mean you take a smaller percentage of the trip earnings, whereas higher earning plans leave you with more out-of-pocket risk if damage occurs.
If you want to narrow this down, let me know:
Which specific platform or vehicle type you are considering listing
Whether you are looking for maximum payout protection or the highest host earnings split
I can help you evaluate which tier or platform fits your risk comfort level.
Yes. In the U.S., there are P2P car-sharing platforms that provide substantial protection to the vehicle owner during a rental, but “full insurance coverage” needs a qualification: some platforms combine actual insurance with contractual reimbursement, deductibles, exclusions, and coverage limits.
The main options
Platform
Owner’s vehicle damage
Owner liability
Key limitation
Turo
Yes — eligible collision/comprehensive damage and theft are contractually reimbursed, subject to the host plan's damage responsibility and limits
Up to $750,000 on standard U.S. host plans, with state/airport exceptions
Physical-damage reimbursement is not insurance; host has a per-trip financial responsibility
Getaround
Yes — its rental insurance covers vehicle damage, theft, fire, etc., subject to its terms and deductible
Included during eligible rentals
Coverage and availability vary by market; Getaround's U.S. footprint has changed over time
Turo: Its current U.S. host plans provide up to $750,000 in third-party liability insurance. Turo also provides contractual reimbursement for eligible physical damage/theft, up to the lesser of the repair cost/actual cash value and $200,000. However, the host is responsible for a plan-specific amount before Turo reimburses the remainder.
Getaround: Getaround says its rental insurance covers the driver and vehicle for accidents, vandalism, theft, liability, collision and comprehensive events during the reservation. Its owner documentation says the driver pays repair costs up to the deductible and the insurer pays the remainder, subject to eligibility and other conditions.
If by "full coverage" you mean the owner doesn't have to put their personal auto insurance at risk
That's an important distinction. Personal auto policies commonly exclude peer-to-peer rental activity. Turo explicitly warns that many personal policies don't cover the vehicle during a Turo reservation.
Texas also has a specific P2P car-sharing statute requiring the car-sharing program to ensure that the owner and driver have qualifying automobile liability coverage during the sharing period, and allowing the program's insurance to satisfy that requirement.
So, yes, the model exists—but I would not describe Turo's current protection as literally "100% fully insured with no owner exposure." There can be deductibles/damage responsibilities, exclusions, valuation limits, and situations that aren't covered.
If you're asking because you're considering listing your own car, I can also research all the P2P services currently available in Texas and compare their owner insurance, deductibles, liability limits, theft coverage, and exclusions side-by-side.
Turo : Offers tiered protection plans for hosts. Depending on the plan chosen, it typically includes up to $750,000 in third-party liability insurance (backed by providers like Travelers) and physical damage coverage for the car, ranging from reimbursement for physical damage to a higher percentage of trip earnings with a $0 deductible option.[](https://www.thezebra.com/resources/car-insurance/peer-to-peer-car-rental-insurance/)
Getaround : Provides comprehensive physical damage coverage and up to $1,000,000 in third-party liability insurance during the rental period. Their policy covers eligible collision, theft, and vandalism while the car is rented out via their app and hardware.
Deductibles & Choices: Most platforms let you choose your level of risk vs. payout. Higher protection plans mean the platform takes a larger cut of your rental earnings, but leaves you with lower (or zero) out-of-pocket deductibles if something goes wrong.[](https://www.thezebra.com/resources/car-insurance/peer-to-peer-car-rental-insurance/)
Exclusions Apply: Normal wear and tear, mechanical breakdown unrelated to an accident, and pre-existing damage are generally excluded.
To explore the fine print or list a vehicle, you can review the specific terms directly on the Turo Host Protection Page or the Getaround Host Insurance Guide.
If you'd like, tell me:
What make and model of car are you thinking about listing?
Which platform you are leaning toward using?
I can help you evaluate the potential earnings and risk trade-offs.
