Turo Co-Host Splits: What 70/30 and 50/50 Actually Pay

Key takeaways

1. A percentage is meaningless until you know whether it divides revenue or profit, and which costs come out first — the same 30% can pay an operator $1 or $466 on the same month.
2. Split net Turo payout, never gross trip price: Turo’s share never reaches anyone’s account, so splitting gross divides money that does not exist.
3. Turo’s three earnings plans pay 70%, 80%, or 90% of trip price with $250, $1,500, or $2,750 damage responsibility per claim; the plan sets both the size of the pool and who carries claim risk, so name it in the agreement.
4. One damage claim on a Balanced-plan car costs $1,500 — larger than a typical month’s margin on either side — which makes damage responsibility the most important line to negotiate.
5. A defensible split is proportional to the capital and risk each side carries; if you cannot articulate your number in those terms, one party will feel cheated within six months.

Ask ten Turo operators what the co-host split is and you will get ten answers, because the question is missing its most important half.

A percentage describes how a pool is divided. It says nothing about how big the pool is, or what has already been taken out of it. Two arrangements both described as “70/30” can pay the operator triple what the other does.

Revenue share or profit share: which is your split?

Revenue share divides the money that comes in. Costs are handled separately, by whoever the agreement says handles them.

Profit share divides what’s left after agreed costs come out.

Same percentage, different business. Consider a car that books $1,600 in a month with $520 of costs — Turo’s take, cleaning, fuel, and a maintenance item.

Structure	Operator gets	Owner gets
30% of revenue, owner pays all costs	$480	$600
30% of revenue, operator pays all costs	−$40	$1,120
30% of profit, costs off the top	$324	$756

The middle row is not hypothetical. Operators sign it regularly and discover the shape of it after the first repair bill.

Start from the payout, not the trip price

Before any split can be calculated, one number has to be settled: what are you dividing?

Turo’s cut never lands in anyone’s account. Splitting gross trip price means splitting money nobody received, and the operator absorbs the shortfall. Every workable agreement starts from net Turo payout — what actually arrives — and says so explicitly.

This is not a technicality. On a $1,600 month, the difference between splitting gross and splitting net is up to $480 depending on the earnings plan, which is often larger than the operator’s entire margin.

Turo’s earnings plan changes the pool and the risk

As of January 7, 2026, Turo replaced its previous five-tier structure with three earnings plans. Each sets both the host’s share of trip price and the damage responsibility carried per claim:

Plan	Host share of trip price	Damage responsibility per claim
More peace of mind	70%	$250
Balanced	80%	$1,500
More earnings	90%	$2,750

All three carry Turo’s third-party liability coverage (check the current limits and carrier on Turo’s plan page; New York differs). They also differ in how long you have to submit incidental invoices for refueling, recharging, and mileage overage — 5, 4, and 3 days respectively.

Two consequences for a co-hosting deal:

The plan sets the size of the pool. A car on the More earnings plan generates 90% of trip price for the host side to divide; the same car on More peace of mind generates 70%. That is a 20-point swing in the pool before anyone’s percentage applies.

The plan sets who is exposed. More earnings pays 20 points more but carries a $2,750 damage responsibility per claim versus $250. An operator who negotiated a generous share of a More earnings car, and also agreed to absorb damage responsibility, has taken on a real liability — one $2,750 event erases several months of margin on a typical vehicle.

Name the plan in the agreement. Leaving it to whoever happens to manage the listing means one party can change the other’s economics unilaterally.

Turo renamed “protection plans” to “earnings plans” starting March 31, 2026, and the shares above are what carried over unchanged. What’s new: in nine markets, the More earnings plan now pays up to 100% of trip price on bookings made 28+ days in advance, on top of its flat 90% on shorter-notice trips. If a co-hosted vehicle sits in one of those markets and books mostly in advance, that pushes the pool being split meaningfully higher than a flat-90% assumption would predict — worth checking before locking in a split based on last year’s numbers.

The two structures that actually get signed

Owner-covers-costs (commonly 70/30 or 80/20)

The owner absorbs maintenance, insurance, payments, and depreciation. The operator takes a smaller slice of revenue for running the operation.

Works when the owner is capitalized, treats the car as an investment, and understands they’re buying management rather than a guaranteed return. Breaks when the owner expected a passive check and instead gets a maintenance invoice.

Best fit: owners with multiple vehicles, or those who already understand the asset is a business.

Shared-costs (commonly 50/50)

Agreed operating costs come out first, then the remainder splits evenly.

Fairer in both directions and far more administratively demanding. Now the definition of “agreed operating costs” carries real money, and you need a monthly statement that proves it. In our experience, 50/50 deals that fail don’t fail on the split — they fail because nobody could produce a credible cost breakdown.

Best fit: a single vehicle where the owner wants visibility, or an operator confident enough in their bookkeeping to open them.

Flat management fee

A fixed monthly figure per vehicle regardless of performance. Predictable for the operator, and owners often prefer it once they’ve been burned by a percentage they didn’t understand.

The risk inverts: in a weak month the fee can exceed what the car earned, and the owner writes a cheque. Most flat-fee agreements cap the fee at some percentage of actual earnings for exactly this reason.

The cost lines that decide the real number

Settle each of these explicitly. Every one silently repositions the split:

• Turo’s share — set by the earnings plan; never part of anyone’s split
• Damage responsibility — $250, $1,500, or $2,750 per claim depending on plan
• Cleaning and turnover — per trip or monthly
• Fuel and charging — recovered from guests or absorbed
• Routine maintenance — and who selects the shop
• Unscheduled repairs — with a dollar threshold above which the owner must approve
• Downtime — whether the owner gets a floor when the car is off the road
• Tolls and citations — including the administrative time to contest them
• Depreciation and mileage — the line owners underestimate most
• Payment processing and bank fees

A worked month, all the way through

A $28,000 sedan in a mid-size market on the Balanced plan (80% host share). 18 booked days at an $89 average day rate.

Line	Amount
Gross trip price	$1,602
Turo’s share (20%, Balanced plan)	−$320
Net Turo payout	$1,282
Cleaning (6 turns × $35)	−$210
Fuel not recovered	−$45
Maintenance accrual	−$95
Net before split	$932

Now apply each structure to the same month:

• 70/30 revenue split, owner pays costs. Operator takes 30% of the $1,282 payout = $385. Owner receives $897 and pays $350 of costs, netting $547.
• 50/50 profit split, costs shared first. Each side takes 50% of $932 = $466.
• 80/20 revenue split, operator pays cleaning and fuel. Operator takes $256 less $255 of costs = $1. Owner nets $931.

The operator’s outcome swings from $1 to $466 across three arrangements that all sound reasonable in conversation.

Now add one damage claim

Same month, one claim on a Balanced-plan car. Damage responsibility is $1,500.

• If the agreement is silent, the operator usually eats it by default, because they’re the one dealing with it. That month’s $385 becomes −$1,115.
• If the owner carries damage responsibility, the operator keeps $385 and the owner nets −$953.
• If it’s shared 50/50, both take a $750 hit.

One claim is larger than a typical month’s entire margin on either side. This single line deserves more negotiating attention than the headline percentage, and it is the most common thing missing from informal arrangements.

What is a fair Turo co-host split?

There’s no universal answer, but there is a usable test: each side’s share should be proportional to the capital and risk they carry.

• Owner supplies a $28,000 asset, absorbs depreciation, carries damage responsibility → the larger share belongs to the owner.
• Operator supplies labor, systems, guest handling, claims work, and carries damage responsibility → the operator’s share should climb accordingly.

If you can’t articulate why your number is what it is in terms of capital and risk, you’re negotiating on instinct, and one of you will feel cheated within six months.

Put it in a statement

A split nobody can verify is a split that will eventually be disputed. Whatever structure you choose, it has to resolve to a monthly document showing gross, Turo’s share, each cost line, the split calculation, and a total that matches the deposit.

That’s covered in Turo owner statements, and the terms to settle before any of it starts are in what to negotiate. For how the split fits the wider picture — including why Turo’s own 70% program is not a benchmark for private deals — start with the co-hosting guide.

Frequently asked questions

What is the standard Turo co-host split? +

There is no standard. Turo defines a split only inside its Passive Income Hosting program, where the vehicle owner receives 70% of the car's trip price. For private co-hosting arrangements Turo sets nothing, and terms range widely.

Is 70/30 better than 50/50 for the operator? +

Not necessarily. A 30% share of revenue where the operator pays for cleaning, fuel, and claims handling can net less than a 50% share of profit where costs come out first. The percentage is only interpretable alongside the cost allocation.

Does Turo's earnings plan affect the co-host split? +

Significantly. Turo's three earnings plans pay hosts 70%, 80%, or 90% of trip price, with damage responsibility of $250, $1,500, or $2,750 per claim. The plan choice changes both the pool being split and who carries risk, so it should be named in the agreement rather than left to whoever manages the listing.

Should the co-host split be calculated before or after Turo's fee? +

After. Turo's share never reaches anyone's bank account, so splitting gross trip price means splitting money that does not exist. Every worked example on this page starts from what Turo actually pays out.

Sources

1. Introducing earnings plans — Turo
2. Earn passive income with your car on Turo — Turo
3. Earnings plans – In detail | US hosts — Turo Help Center