Turo Car Rental Host Earnings Calculator
Estimate net Turo host earnings after the 15-40% protection-plan fee, car payment, insurance, and maintenance.
See monthly profit and break-even days.
Changing your currency elsewhere on the site will not affect this page.
The Turo plan trade-off
Turo is not 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, and to a lower liability ceiling 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 − other costs (cleaning, tolls, storage)
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
That is the version most Turo calculators stop at, and it is the version that gets people into trouble. Add $120 a month of cleaning, tolls and storage, then a depreciation reserve of $0.15 a mile on 2,500 rental miles, and the same car is losing $247.50 a month. The gross did not change. Two lines that never appear on a Turo statement did.
The hidden costs most hosts underestimate
- Accelerated depreciation. A car driven 30,000 miles a year loses value three to four times 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, such as you driving it to the airport for a handover, 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, the extra 40% covering occasional bad months, repair surprises, and your own time. For a $700/month all-in cost, target $1,000+ in monthly host earnings, which is 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.
Why this page asks for mileage
The depreciation section above calls accelerated wear the biggest cost hosts underestimate, and then most Turo calculators quietly leave it out because it never appears on a statement. It is still the largest single line for a lot of hosts. A car doing 30,000 rental miles a year at $0.15 a mile is shedding $4,500 of resale value annually, which will comfortably exceed the profit shown by a calculator that ignores it.
So the depreciation reserve is an input here, in dollars per rental mile, and it starts empty. Fill it in with your own read on the car, or leave it blank and read the answer as pre-depreciation, but do not mistake the blank version for the whole picture.
How we build and check this calculator
This calculator runs entirely in your browser, so the numbers you enter stay on your device. The math behind it is written by hand and tested against worked examples and standard references before the page goes live.
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