
Turo is a peer-to-peer car-sharing service that works like Airbnb for cars. Instead of renting from a traditional company like Hertz or Enterprise, you rent a vehicle directly from a local car owner through the Turo app or website. The process involves searching for a car, booking it, and then coordinating with the owner for pickup, often at a mutually agreed-upon location.
The process is straightforward:
A key difference from traditional rentals is the protection plan structure. While traditional companies often include a basic level of insurance in their base price, Turo's base price is typically lower, but you must actively choose a protection plan. Your personal auto insurance policy may also provide some coverage, but you must check with your provider beforehand.
| Feature | Turo (Peer-to-Peer) | Traditional Rental (e.g., Enterprise) |
|---|---|---|
| Vehicle Selection | Unique, personal vehicles (sports cars, EVs, SUVs) | Standardized fleet of recent models |
| Pricing Model | Often lower base price; protection plans are add-ons | All-inclusive pricing (base rate, taxes, fees) |
| Pickup/Location | Flexible, often not at an airport counter | Primarily at designated airport/office locations |
| Owner Interaction | Direct communication with the car owner | Transaction with a company employee |
| Typical Minimum Age | Often 21, but can be 18-20 in some states | Usually 25, with young renter fees for under-25 |

I use Turo whenever I travel because it’s way more personal and often cheaper than the big rental counters. I love being able to pick a specific car that fits my vibe for the trip—last time I got a fun convertible. You just book it on the app, text the owner to meet up, and you’re good to go. It feels like borrowing a car from a friend, just with a clear agreement and insurance sorted upfront. So much less hassle than waiting in line.

As someone who rents cars frequently, my advice is to read the fine print, especially on Turo's protection plans. The base price looks attractive, but you must select a plan that limits your liability. I always compare the cost of Turo's premium plan against my own credit card's rental car coverage. Also, scrutinize the owner's reviews and their pre-trip photo requirements. Communication with the owner is key to a smooth experience, from pickup to return. It’s a great service, but due diligence is non-negotiable.

The core of how Turo works is its insurance model. You are essentially entering a short-term rental agreement with an individual. Turo facilitates this by providing a marketplace and various protection plans that act as the primary insurance for the trip. Your personal auto insurance might extend, but it's not guaranteed. This shift of risk management to the renter during the booking process is the fundamental operational difference from a traditional rental company, where coverage is bundled. It offers flexibility but requires active decision-making from the user.


