90/10 vs. 60/40 Commission Plan Comparison for Mobi Hosts

💰90% vs. 60% Commission Analysis: Take Ownership. Earn More.

Why Top Hosts Choose the 90% Commission Plan

When you're just starting out as a host on Mobi, the idea of a $2,500 deductible might feel intimidating — we get it. But here’s the reality: the hosts earning the most on other carsharing platforms are the ones who opt into this model. Why? Because they’re building a business — and the 90% commission plan gives them the highest earning power.
Let’s break it down.

⚖️ Comparing Two Real-World Plans

Plan
Host Take Rate
Deductible
Net Annual Earnings (w/ 10% chance of 1 accident)1
90/10
90%
$2,500
$14,150
60/40
60%
$0
$9,720

Let’s assume a vehicle on Mobi earns around $1,200 per month, or $14,400 annually. Even factoring in the potential cost of an accident — using the industry standard of a 10%1 chance of one claim per year — the 90% plan still nets over $4,000 more per year per vehicle than the $0 deductible 60% alternative.

And if we take an ultra-conservative view — assuming a full $2,500 deductible hit every single year — the host on the 90/10 plan would still earn over $2,000 more annually than someone on a lower-commission plan.

That’s why most experienced carsharing hosts — the ones who treat this like a real business — choose the 90% commission model. They understand the numbers, they manage the risk, and they maximize their earnings.

🧠 Smart Hosts Know the Math

Most experienced hosts — especially those running multiple vehicles — choose the 90% commission plan because they know:
  1. Incidents are rare. Our industry sees only about a 10%1 chance of a claim per vehicle per year.
  2. Earnings add up fast. That extra 30% commission adds thousands in annual take-home profit.
  3. It’s your business. Just like any business owner, you carry a little more risk — but gain a lot more reward

🔐 You’re Still Protected

Even with the 90% commission plan, you’re not alone. Mobi’s insurance still backs your vehicle, and our support team is here to help if anything goes wrong. You just agree to cover the deductible if a claim is needed — and many hosts never face one.

📈 Own Your Business. Earn Like a Pro.

Hosting on Mobi isn’t just a side hustle — it’s a business opportunity. The 90% commission plan is designed for owners who want to build their own business. Whether you're renting out one vehicle or building a fleet, the hosts who lean into ownership and smart risk management are the ones who win.

🚀 Ready to Level Up?

If you're looking to maximize your earnings and treat hosting like the business it is, the 90% commission plan on Mobi is your best bet. It’s the path most top hosts choose — and for good reason.
Have questions? We’re here to walk through the numbers with you. [Host Success Team]

Footnote:

  1. Sources of Industry Standard 10% chance of one claim per year
    1. Turo SEC filings & insurance partner data: 8~12% annually per vehicle
    2. Getaround + Assurant insurance models: ~1 claim per 8-10 vehicles per year
    3. Fleet focused insurers and MGAs: claim 8~15% pricing loss ratios