# Protection plans – In brief | US guests

> How much does a protection plan cost?   How much a protection plan costs depends on the plan you choose  The more a plan costs, the less you’re respons...

Source: https://help.turo.com/en_us/summary-and-cost-of-protection-plans-or-us-guests-BJSgBNgVq

Last updated: 2026-05-05T15:34:43.557Z

## Liability insurance

Trips booked on Turo come with liability insurance included. There is no additional cost. Liability insurance covers bodily or property damage to another person if you’re responsible for the damage.

## Protection plans 

Protection plans let you protect your wallet by limiting how much you’d pay if there’s on-trip eligible physical damage to your host’s vehicle. How much a protection plan costs depends on the plan you choose. The higher the cost, the greater the protection and the less you’d pay if you’re financially responsible for vehicle physical damage. Protection plans don’t limit how much you’d pay if you’re responsible for interior or mechanical damage to a host’s vehicle. Protection plans aren’t insurance; they’re contracts between you and Turo. In some cases, Turo may limit the plans available to you due to your age, trip details, vehicle type, or other factors. In some cases, Turo may limit the plans available to you due to your age, trip details, vehicle type, or other factors.

When you book a trip, you can see:

*   amount of third-party liability insurance included for your trip
*   protection plans available to you
*   each plan’s out-of-pocket payment limit for physical damage 
*   cost of the plan you choose, shown as a separate line item at checkout 

Before choosing a plan, learn more about [how insurance and protection work](https://help.turo.com/understanding-insurance-and-your-physical-damage-contract-or-us-guests-BkXlH4xN9) and read [plan details](https://help.turo.com/protection-plans-including-insurance-or-us-guests-HkwgBNgN9). We reserve the right to change protection plan pricing at any time.

## Guest protection plan options - In brief

#### Premier plan 

*   Includes the minimum amount of third-party liability insurance coverage required by state law. Coverage is secondary to any personal insurance you may have, except in New York where liability insurance will always be primary.
*   Includes a physical damage contract that limits your responsibility to $0 to Turo for physical damage to your host’s vehicle; this contract is secondary to any personal insurance you may have
*   Does not include contractual limitation of responsibility for mechanical or interior damage to the host's vehicle
*   Isn’t available for trips booked in some vehicles with a fair market value of more than $25,000 or any vehicles with a total market value of more than $60,000
*   Isn't available to drivers below the age of 21 
*   Some guests may be unable to select the Premier plan based on trip details, vehicle type, or other factors

#### Standard plan

*   Includes the minimum amount of third-party liability insurance coverage required by state law. Coverage is secondary to any personal insurance you may have, except in New York where liability insurance will always be primary. 
*   Includes a physical damage contract that limits your responsibility to $500 for physical damage to your host’s vehicle. This contract is secondary to any personal insurance you may have.
*   Doesn’t include contractual limitation of responsibility for mechanical or interior damage to host’s vehicle

#### Minimum plan

*   Includes the minimum amount of third-party liability insurance coverage required by state law. Coverage is secondary to any personal insurance you may have, except in New York where liability insurance will always be primary 
*   Includes a physical damage contract that limits your responsibility to $3,000 for physical damage to your host’s vehicle; this contract is secondary to any personal insurance you may have
*   Doesn't offer contractual limitation of responsibility for mechanical or interior damage to host’s vehicle

#### Optional supplemental liability protection

*   Cost is dependent on the trip and is calculated on a daily basis
*   Includes up to $300,000 amount of third-party liability insurance coverage
*   Coverage is in addition to any other liability insurance in place, including liability insurance for a Turo trip
*   Option is only for US residents and [not available in all states](https://support-resources.turo.com/policies/Mobilitas%20Supplemental%20Liability%20Insurance.pdf)

#### Decline protection 

*   You’ll receive the minimum amount of third-party liability insurance coverage required by state law. Coverage is secondary to any personal insurance you may have
*   You’ll be responsible for _all_ costs related to physical, mechanical, and interior damage
*   You’ll also be responsible for administrative claims fees and appraisal costs