The New 70/80/90 Plans, Explained Simply

Five protection plans became three on January 7, 2026. If you didn't touch anything before that date, Turo auto-migrated every vehicle in your fleet to the closest equivalent under the new structure, and moved on without asking you to confirm a single setting.

Turo's stated reason is repair inflation: the five-tier system had gotten harder to keep priced accurately as parts and labor costs climbed, so Turo's own announcement collapsed it into three plans built around round numbers: 70%, 80%, and 90% host share. The full terms live at Turo's Terms of Service.

What the three numbers actually trade off

The 70% plan pays the smallest share of each trip but carries the lowest damage responsibility if something goes wrong. The 90% plan pays the most per trip and puts the most financial exposure on you if there's a claim. The 80% plan sits in the middle. Liability coverage is identical across all three: up to $750,000 in third-party coverage, unchanged from before. The entire decision is about your own share and your own exposure, not about anyone else's protection in an accident.

Why the auto-migration is worth double-checking, not trusting

Turo mapped old plans to new ones based on your prior selection, which is a reasonable default and also a decision made with zero knowledge of what actually happened to that specific car in the last twelve months. A vehicle that ate two claims last year and a vehicle with a spotless record may have landed on the same new tier simply because they happened to share an old plan.

The one number worth pulling for every vehicle

Before you accept the migration as final, get a real repair estimate for one plausible bad-day scenario per car: a bumper, a wheel, an interior stain. Compare that number against what each tier's damage responsibility would actually cost you. For an economy car with a $400 average fender-bender repair, the 90% plan is usually free money. For a vehicle with a documented history of $2,000+ claims, the 70% plan's lower share can be the cheaper bet over a full year, once you've actually run one bad month through the math instead of guessing.

The example worth actually running

Take two vehicles on the same old plan before January 7: a $12,000 sedan with no claims history, and a $35,000 SUV that ate a $2,400 bumper-and-sensor repair last year. Auto-migration likely put both on the same new tier. Run the numbers separately and the sedan probably belongs on the 90% plan, where the worst realistic repair stays cheap regardless of share size. The SUV, with a documented expensive-repair history, is a real candidate for the 70% plan, where the lower share is offset by meaningfully lower exposure the next time something breaks. Same starting tier, two different right answers once you actually look at each car's history instead of trusting the migration.

Set a calendar reminder, not a one-time check

Repair costs and a vehicle's own claims history both drift over a year. Revisit this same per-car math roughly every six months, not just once after the January migration, since the right tier for a given vehicle can shift as its own track record changes.