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Car Insurance

10 Best Auto Insurance Companies for Uber and Lyft Drivers

Driving for Uber, Lyft, or a similar rideshare service? Read on to see how you can get the best insurance, ensuring that you’re covered for every minute you’re on the road.

Uber and Lyft drivers, beware: standard personal car insurance might not cover you while you’re on the clock for a transportation network company (more commonly known as a rideshare service). You require some form of rideshare insurance to keep you covered during your trips.

While on the job, your only active coverage is the commercial insurance provided by Uber or Lyft. But even this temporary coverage may offer less protection than you need (especially in between ridesharing trips), and may not adequately cover you, your vehicle, and your passengers in the event of an accident.

Commercial Coverage for Uber and Lyft


The commercial coverage you’re provided while driving for Uber or Lyft is broken down into four stages: offline, available, en route, and on trip. Uber and Lyft provide different coverage amounts to their drivers at each stage of a trip.

To ensure adequate protection while driving for Uber and Lyft, it is recommended that drivers explore additional coverage in the form of dedicated rideshare insurance from an independent carrier.

Types of Rideshare Policies


In general, insurance carriers will offer some variation of a Lyft or Uber car insurance policy designed specifically for rideshare drivers:

  • Additional Protection: A carrier might provide a policy of added protection (usually in the form of “gap coverage”) while you are online with your rideshare service. Policies like these often account for what might not be covered through Uber or Lyft’s commercial coverage.

  • Personal Coverage Extension: Some carriers call on rideshare drivers to extend their personal coverage into certain stages of the ridesharing trip. These plans are often integrated into the driver’s personal policy with that same insurance carrier.

  • Hybrid Insurance Package: These policies are specifically designed to replace your personal auto insurance with a rideshare-friendly plan. 


So, how to choose between these highly specialized, differently designed plans?

Selecting a Rideshare Policy


Insurify, a free insurance comparison website, is one way that rideshare drivers can get real-time, accurate quotes from top insurance companies in the U.S.:

The site offers a wide variety of carriers to choose from, an easy-to-use interface, and options for rideshare drivers with all types of insurance history. To date, it has delivered over 4 million insurance quotes from top providers like The General, MetLife, and Liberty Mutual. If you’re seeking a Lyft or Uber insurance policy, you can find competitive quotes in a matter of minutes.

While using Insurify, be sure to select “Rideshare Driver” to receive quotes for rideshare policies and find the best insurance for Uber or Lyft that fits your profile.

Best Uber & Lyft Car Insurance Companies


We’ve compiled a list of the best auto companies that provide ridesharing insurance, ranked by our proprietary Insurify Composite Score. Keep in mind that many of these companies’ policies differ depending on location, rideshare service, and other variables. Whether you’re driving for Uber, Lyft, or another service, read on to make sure you’re getting the best deal.

Be sure to also check out our latest Best Car Insurance Companies list, featuring the overall top 10 car insurance companies.

1. USAA



  • Insurify Composite Score: 95

  • Coverage Type: Additional Protection

  • Coverage Description: USAA Ridesharing Gap Coverage. This insurance covers you while you are logged on to your ridesharing app and waiting for a rideshare request. Most carriers will denote this coverage as “gap coverage,” referring to the gaps of time in between trips, as well as the gap that may exist in your overall insurance coverage. This roughly corresponds with the “available” stage (and, sometimes, the “en route” stage) of a ridesharing trip.

  • States Covered: 28

  • Estimated Cost: As little as $6 added per month to your existing personal auto insurance premium with USAA


USAA’s gap coverage policy only applies to the “available” stage of a ridesharing trip. That means that this coverage does not make up for the potentially limited coverage offered by Uber or Lyft during the “en route” stage.

USAA insurance coverage is only available to current military service members, veterans, and their families.

2. American Family Insurance



  • Insurify Composite Score: 92

  • Coverage Type: Additional Protection

  • Coverage Description: American Family Insurance Rideshare Auto Insurance. American Family describes the coverage, called the American Family Rideshare Endorsement, as an “add-on” to your existing personal policy with American Family Insurance. It is the equivalent of gap coverage, and provides the same coverage as it does your personal auto policy.

  • States Covered: 15

  • Estimated cost: Varies. Cost is added to your existing personal auto insurance premium with American Family Insurance


American Family’s rideshare coverage only covers the “available” stage of a ridesharing trip.

3. GEICO



  • Insurify Composite Score: 89

  • Coverage Type: Hybrid Insurance Package

  • Coverage Description: GEICO Ridesharing Insurance. This “hybrid” rideshare policy is meant to replace your personal auto insurance policy and covers you whether you’re driving on or off the clock.

  • States Covered: 41 (plus Washington, D.C.)

  • Estimated Cost: Varies. Cost will increase from personal auto insurance premium with GEICO, as it replaces your personal policy


This rideshare insurance is meant to cover you (as the named driver on the policy), anyone living in your home, your passengers (up to your policy limits for injuries or property damage), and property damage to your car if you have collision and comprehensive insurance. GEICO’s rideshare insurance covers all stages of a ridesharing trip. Any vehicle you do not own is not covered under this insurance.

If you have multiple vehicles in your household, you’ll need to continue to have personal auto insurance on the cars not being used for rideshare services (i.e., the ones you’re not driving for Uber or Lyft).

4. Erie Insurance



  • Insurify Composite Score: 89

  • Coverage Type: Personal Coverage Extension

  • Coverage Description: Erie’s Rideshare Insurance. This is rolled into your personal auto insurance coverage. Erie has simply extended their “business use” clause of personal auto insurance policies to include rideshare services, essentially providing Lyft and Uber driver insurance. (Previously, they only covered services such as food delivery.)

  • States Covered: 12 (plus Washington, D.C.)

  • Estimated Cost: $9 to $15 added per month to your existing personal auto insurance premium with Erie


Erie’s Rideshare Insurance covers all stages of a ridesharing trip.

5. Allstate



  • Insurify Composite Score: 88

  • Coverage Type: Additional Protection

  • Coverage Description: Allstate Ride for Hire policy. Because this policy does not cover you when you are signed off of your rideshare app, it does not replace your personal auto insurance policy. Rather, it is deductible gap coverage for up to $2,500 while you are driving for a rideshare company like Uber or Lyft.

  • States Covered: 42 (plus Washington, D.C.)

  • Estimated Cost: $15 to $20 added per month to your existing personal auto insurance premium with Allstate


Ride for Hire includes both gap coverage and deductible gap coverage for possible expenses during other stages of a ridesharing trip. In this way, it protects drivers against the high deductibles of Lyft or Uber auto insurance.

6. Farmers



  • Insurify Composite Score: 85

  • Coverage Type: Personal Coverage Extension

  • Coverage Description: Farmers Rideshare. This insurance extends your existing personal auto insurance to cover you while on the clock for a rideshare company like Uber and Lyft. It does not replace your personal auto insurance policy.

  • States Covered: 30

  • Estimated Cost: Varies. Cost is added to your personal auto insurance premium with Farmers


Farmers’ rideshare coverage only covers the “available” stage of a ridesharing trip.

7. Safeco



  • Insurify Composite Score: 85

  • Coverage Type: Personal Coverage Extension

  • Coverage Description: Safeco’s RideSharing Coverage. This insurance extends your existing personal auto insurance to cover you while on the clock for a rideshare company like Uber and Lyft. It does not replace your personal auto insurance policy.

  • States Covered: 14

  • Estimated Cost: Around $10 added per month to your existing personal auto insurance premium with Safeco


If you have multiple vehicles in your household, ridesharing coverage will only protect vehicles explicitly written under this optional coverage.

SafeCo’s rideshare coverage only covers the “available” stage of a ridesharing trip.

8. State Farm



  • Insurify Composite Score: 84

  • Coverage Type: Personal Coverage Extension

  • Coverage Description: State Farm Rideshare Driver Coverage. This optional coverage extends your personal auto insurance to all stages of your rideshare trips. However, your liability coverage does not carry over to your rideshare trips during the “en route” or “on trip” stages. Liability is only included during the “available” stage. This means that, as the driver, you will have to make sure that Uber and Lyft’s liability limits are high enough to cover possible liabilities with passengers. All other coverages during your “en route” and “on trip” stages are based on the coverages and limits you’ve selected for your personal auto policy.

  • States Covered: 43 (plus Washington, D.C.)

  • Estimated Cost: Additional 15 to 20 percent of your current premium with State Farm


State Farm maintains that this additional coverage is a smart decision because it puts your personal policy deductible into effect while ridesharing. Furthermore, if you have a claim, you can deal with State Farm directly instead of your rideshare company.

9. Liberty Mutual



  • Insurify Composite Score: 84

  • Coverage Type: Personal Coverage Extension

  • Coverage Description: Liberty Mutual has no formal rideshare coverage service, but will not cancel your personal policy if you use your car for ridesharing purposes. As an insurance carrier, Liberty Mutual offers competitive rates.

  • States Covered: 12

  • Estimated Cost: Personal premiums will vary


As the Liberty Mutual website does not mention a formal rideshare program, it is important to get in touch with the carrier to learn more about their specific policies. Of note: according to The Rideshare Guy, Liberty Mutual remains a safe bet if you’re looking for the equivalent of rideshare insurance coverage in several states.

10. Travelers



  • Insurify Composite Score: 83

  • Coverage Type: Additional Protection

  • Coverage Description: Travelers Limited Ride Sharing Coverage. This coverage endorsement is not widely available. It applies to rideshare service drivers once they open their ridesharing mobile app, but before they connect with a passenger.

  • States Covered: 2

  • Estimated Cost: Varies. Cost added to your existing personal auto insurance premium with Travelers


SafeCo’s rideshare coverage only covers the “available” stage of a ridesharing trip.


State Coverage by Insurance Carrier




































Northeast
ConnecticutMaineMassachusettsNew HampshireNew Jersey


  • GEICO

  • Allstate

  • State Farm

  • Liberty Mutual




  • GEICO

  • Allstate

  • State Farm

  • Progressive




  • USAA

  • Liberty Mutual

  • Progressive

  • MAPFRE




  • USAA

  • GEICO

  • Allstate

  • State Farm

  • Liberty Mutual




  • USAA

  • Allstate

  • Farmers

  • State Farm


New YorkPennsylvaniaRhode IslandVermont


  • GEICO

  • Erie

  • Allstate




  • GEICO

  • Erie

  • Allstate

  • State Farm

  • Liberty Mutual

  • Progressive




  • GEICO

  • Liberty Mutual

  • Progressive




  • GEICO

  • Allstate

  • State Farm




















































Midwest
IndianaIllinoisIowaKansasMichigan


  • USAA

  • American Family Insurance

  • GEICO

  • Erie

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Progressive




  • USAA

  • GEICO

  • Erie

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Travelers

  • Mercury

  • Progressive

  • Metlife

  • Metromile




  • USAA

  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • State Farm

  • Progressive




  • USAA

  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • Safeco

  • State Farm




  • Farmers

  • State Farm

  • Progressive


MinnesotaMissouriNebraskaNorth DakotaOhio


  • USAA

  • GEICO

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Progressive




  • USAA

  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Progressive




  • USAA

  • GEICO

  • Allstate

  • Farmers

  • State Farm

  • Progressive




  • USAA

  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • State Farm

  • Progressive




  • USAA

  • GEICO

  • Erie

  • Allstate

  • Farmers

  • State Farm

  • Progressive


WisconsinSouth Dakota


  • American Family Insurance

  • GEICO

  • Erie

  • Allstate

  • Farmers

  • Safeco

  • State Farm




  • American Family Insurance

  • GEICO

  • Allstate

  • Progressive


































































South
AlabamaArkansasDelawareFloridaGeorgia


  • USAA

  • GEICO

  • Farmers

  • State Farm

  • Progressive




  • GEICO

  • Farmers

  • State Farm




  • USAA

  • American Family Insurance

  • GEICO

  • State Farm

  • Progressive




  • GEICO

  • Farmers

  • State Farm




  • USAA

  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • State Farm

  • Mercury

  • Progressive


KentuckyLouisianaMarylandMississippiNorth Carolina


  • USAA

  • GEICO

  • Erie

  • Allstate

  • State Farm

  • Progressive




  • USAA

  • GEICO

  • Allstate

  • State Farm




  • USAA

  • GEICO

  • Erie

  • Allstate

  • Farmers

  • State Farm

  • Liberty Mutual




  • GEICO

  • Allstate

  • Safeco

  • State Farm

  • Progressive




  • Allstate

  • Farmers

  • Liberty Mutual


OklahomaSouth Carolina TennesseeTexasVirginia


  • USAA

  • GEICO

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Mercury

  • Progressive




  • GEICO

  • Allstate

  • State Farm




  • USAA

  • GEICO

  • Erie

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Liberty Mutual

  • Progressive




  • USAA

  • GEICO

  • Allstate

  • Farmers

  • State Farm

  • Liberty Mutual

  • Mercury

  • Progressive

  • Metlife




  • GEICO

  • Erie

  • Allstate

  • State Farm

  • Liberty Mutual

  • Progressive


West Virginia


  • GEICO

  • Erie

  • Allstate

  • State Farm

  • Progressive




















































West
AlaskaArizonaCaliforniaColoradoHawaii


  • Allstate




  • USAA

  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Mercury

  • Progressive




  • USAA

  • Allstate

  • Farmers

  • State Farm

  • Liberty Mutual

  • Mercury

  • Metlife

  • Metromile

  • Esurance




  • USAA

  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Travelers

  • Progressive

  • Metlife




  • Allstate


IdahoMontanaNevadaNew MexicoOregon


  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • State Farm

  • Progressive




  • GEICO

  • Farmers

  • State Farm




  • USAA

  • American Family Insurance

  • Allstate

  • Farmers

  • State Farm

  • Mercury

  • Acuity




  • GEICO

  • Allstate

  • Farmers

  • Safeco

  • State Farm

  • Progressive




  • USAA

  • American Family Insurance

  • GEICO

  • Allstate

  • Farmers

  • Safeco

  • State Farm


UtahWashingtonWyoming


  • American Family Insurance

  • Allstate

  • Farmers

  • Safeco

  • State Farm




  • USAA

  • American Family Insurance

  • GEICO

  • Erie

  • Allstate

  • Safeco

  • State Farm

  • Metlife

  • Metromile




  • USAA

  • GEICO

  • Allstate

  • State Farm



For additional research use car insurance comparison sites, such as Insurify.