Turo vs Getaround 2026: Car Rental Host Earnings, Insurance Costs & Real Profit

Car sharing platforms like Turo and Getaround have exploded in popularity, offering car owners a way to turn their vehicles into income-generating assets. But which platform actually puts more money in your pocket after all costs? In this comprehensive 2026 guide, we break down host earnings, insurance coverage, fees, hidden expenses, and real profitability—so you can decide whether to list on Turo, Getaround, or both.

We analyzed hundreds of host reports, dug into the latest 2026 fee updates, and calculated net profit scenarios for different vehicle types. Whether you're a first-time host or a seasoned operator, this side-by-side comparison reveals the surprising winner.

Quick Summary: Turo vs Getaround at a Glance

Before diving into the numbers, here’s a high-level comparison of the two platforms in 2026.

Earnings Breakdown: How Much Can You Really Make?

Your take-home pay depends on rental frequency, daily rate, fees, and vehicle costs. Let’s examine the revenue side first, then subtract expenses.

At first glance, Turo’s gross payout looks higher. But insurance and risk are not yet factored in. On Turo, you must pay for your own commercial insurance or accept the platform’s protection plans, which reduce your net.

Insurance & Protection Plans: Who’s Really Covered?

Insurance is the biggest variable. Here’s how each platform handles it in 2026.

Turo Protection Plans

Turo offers five protection packages for hosts. The commission you pay depends on the plan you choose:

• 60 plan: 10% commission, $2,500 deductible (physical damage only)
• 75 plan: 15% commission, $1,000 deductible
• 80 plan: 20% commission, $500 deductible
• 85 plan: 25% commission, $250 deductible
• 90 plan: 35% commission, $0 deductible

Liability coverage is included in all plans (state minimum). For physical damage, you pay the deductible per incident. The trade‑off: lower commission = higher out‑of‑pocket if a guest damages your car.

Getaround Insurance

Getaround’s 40% fee includes a comprehensive insurance package:

• $0 deductible for comprehensive claims (theft, vandalism, weather)
• $500 deductible for collision (damage during a rental)
• $1 million liability coverage
• 24/7 roadside assistance included

You never pay extra for insurance; it’s baked into the commission. However, you cannot opt out—every host pays the 40%.

Fees & Hidden Costs That Eat Your Profit

Beyond commissions and insurance, other expenses can surprise new hosts. Here’s what to watch for on both platforms.

Depreciation is the silent killer. A car rented 15 days a month can accumulate 18,000+ extra miles per year, accelerating depreciation by roughly $1,000–$2,000 annually. Always factor this into your net profit calculation.

Real Profit Scenarios: 3 Vehicle Types Compared

Let’s run the numbers for three common vehicle categories, using realistic utilization rates and costs. All figures are monthly, after all expenses except depreciation (we’ll show both).

Scenario 1: Economy Car (Honda Civic, 2019)

Takeaway: Turo yields higher net even after depreciation, but only if you avoid accidents. One $500 deductible claim would erase 2 months of profit.

Scenario 2: Premium SUV (Ford Explorer, 2021)

Takeaway: Higher‑value vehicles favor Turo even more because Getaround’s flat 40% takes a bigger bite.

Scenario 3: Older Economy Car (2012 Toyota Corolla)

Takeaway: Even older, cheaper cars earn more on Turo, but the gap narrows because daily rates are lower.

Case Studies: Hosts Share Their Numbers

Platform Features & Guest Quality

Money isn’t everything. The guest experience and platform tools affect your stress level.

• Turo: Guests book specific cars; you communicate via app, meet to hand over keys. More personal interaction, but also more time commitment. Turo’s rating system helps filter bad renters.
• Getaround: Cars are unlocked via smartphone; guests never meet you. This enables 24/7 self-service, but also means less control over who drives your car. Getaround’s Connect® device tracks mileage and fuel, and can disable the starter if a guest doesn’t return on time.

Getaround’s automated model can scale better if you have multiple cars. Turo requires more hands‑on management but allows you to vet guests personally.

Which Platform Is Better for You?

Choose Turo if:

• You want maximum earning potential and are willing to manage insurance risk.
• You have a newer, higher‑value vehicle.
• You enjoy meeting guests and can handle key handoffs.
• You have savings to cover a potential deductible.

Choose Getaround if:

• You want a completely passive, contact‑free rental experience.
• You prefer predictable insurance coverage with no deductibles (for comprehensive).
• Your car is compatible with Connect® (most 2008+ vehicles).
• You’re willing to accept lower net income for peace of mind.

Many successful hosts use both: list high‑end cars on Turo, and older, high‑volume cars on Getaround to maximize utilization.

7 Tips for New Hosts (Avoid Costly Mistakes)

1. Start with one car. Learn the platform before scaling.
2. Price competitively. Use dynamic pricing tools (like Turo’s suggested rate) or apps like Wheelhouse.
3. Take tons of photos. Document every scratch before each rental to avoid disputes.
4. Set strict booking requirements. Require verified license, good reviews, and maybe instant book off initially.
5. Understand your insurance. Read the fine print on deductibles and exclusions.
6. Budget for depreciation. Set aside part of each rental for your next car.
7. Join host communities. Facebook groups and forums are goldmines for real‑world tips.

Final Verdict: Turo Wins on Profit, Getaround Wins on Convenience

After crunching the numbers, Turo offers higher earning potential for most hosts—especially those with newer, higher‑value cars and a tolerance for insurance risk. The ability to choose your deductible lets you optimize for your situation.

Getaround is the hands‑off choice. If you value time over maximum dollars, its 24/7 self‑service model and all‑in‑one insurance are compelling. It’s also a great second platform to capture bookings from guests who prefer the instant, no‑meet experience.

Many successful hosts start on one platform, learn the ropes, and then add the other. In 2026, the smart money is on diversification—list your car where it earns the most, but don’t ignore the convenience factor that Getaround brings.