Does Geico Cover Turo Reddit

As an avid user of Turo and a subscriber to the Reddit community, I have often come across discussions regarding whether Geico covers Turo rentals. In this article, I will delve deep into the topic and provide you with all the information you need to know about this matter.

The Turo Experience

Before we dive into the specifics of insurance coverage, let’s quickly go over what Turo is for those who may not be familiar with it. Turo is a peer-to-peer car rental platform that allows individuals to rent out their personal vehicles to others. It’s like the Airbnb for cars, where car owners can make some extra income by renting out their vehicles when they’re not being used.

One of the most attractive aspects of using Turo is the wide range of cars available for rent, ranging from affordable sedans to luxurious sports cars. It’s a great alternative to traditional car rental companies, offering more options and often at better prices.

The Importance of Insurance

Now, let’s get to the heart of the matter – insurance coverage for Turo rentals. Insurance is a crucial factor to consider when renting a car, as accidents can happen to anyone, even the most careful drivers. The question that arises is whether Geico, a popular insurance provider, covers Turo rentals.

Unfortunately, the answer is not straightforward. Geico does offer car insurance policies that cover private passenger vehicles, but their policies may not extend to Turo rentals. This is because Turo rentals are considered commercial use of a personal vehicle, and most personal auto insurance policies do not cover commercial use of the vehicle.

Geico’s Position on Turo Rentals

According to Geico’s policy, personal auto insurance coverage may not apply if the personal vehicle is being used for commercial purposes, such as renting it out on platforms like Turo. Geico’s coverage generally excludes any claim arising from the use of a personal vehicle for commercial purposes.

However, it’s important to note that insurance policies can vary from state to state and individual circumstances. It’s always best to consult directly with Geico or your insurance provider to understand the specific terms and conditions of your policy.

Alternative Insurance Options

If Geico does not offer coverage for Turo rentals, it’s essential to explore alternative insurance options to protect yourself and the rented vehicle. Turo provides its own insurance options, including liability insurance and comprehensive coverage, which are available for both guests and hosts.

When renting a car on Turo, guests have the option to choose between three levels of coverage: minimum, standard, and premium. The level of coverage selected will determine the guest’s financial responsibility in case of an accident or damage to the vehicle.

Hosts on Turo also have their own insurance options, which offer protection against physical damage to their vehicles and liability coverage for bodily injury and property damage claims.


While Geico may not provide coverage for Turo rentals, it’s important to explore alternative insurance options offered by Turo. Understanding the insurance coverage available can help ensure a smooth and worry-free rental experience on the platform.

Remember, always consult with your insurance provider and read through the terms and conditions of your policy to fully understand your coverage and any exclusions that may apply. Happy renting!