120+ more*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Drivers in Arizona who work for a transportation network company (TNC), such as Uber or Lyft, may want to consider buying rideshare insurance for more protection on the road.
Your personal car insurance policy generally won’t cover you while you’re driving for a TNC, since ridesharing qualifies as commercial use of your vehicle. Many insurers offer rideshare coverage as an endorsement to your personal policy, helping bridge coverage gaps while you’re completing rideshare services.
Under Arizona state law, either the TNC or the TNC driver, or both, must carry car insurance that meets state liability requirements. Your coverage depends on which phase of driving you’re in.[1]
Full-coverage rates for rideshare drivers start at $136/mo.
Rideshare drivers in Arizona must have a personal auto policy with at least the state’s required minimum liability coverage: $25,000 per person and $50,000 per accident for bodily injury liability and $15,000 for property damage liability (25/50/15).[2]
Arizona has higher minimum coverage requirements for rideshare drivers once they’ve accepted a ride, and even higher requirements once they have a passenger in their vehicle. State law requires either the TNC, the driver, or both to maintain this coverage, but Uber and Lyft both extend coverage to their rideshare drivers in Arizona.
Here’s how much coverage Uber and Lyft provide during different parts of ridesharing:
Phase 1: Arizona rideshare drivers will receive at least 50/100/25 in third-party liability coverage from Uber and at least 50/100/20 from Lyft.
Phases 2–3: Both Uber and Lyft cover at least $1 million for property damage and injuries when you’re at fault. If you have collision and comprehensive coverage, they may also cover your vehicle repair costs, with a $2,500 deductible.
Arizona also requires rideshare drivers to have $25,000 per person and $75,000 per accident in uninsured motorist bodily injury liability coverage through a rideshare endorsement, your TNC insurance, or a commercial auto policy.[3]
Below, you can learn more about what coverage applies during each phase of rideshare driving in Arizona.
Phase of Trip | Activity | Rideshare App Status | Personal Auto Insurance Policy Applies? | Uber/Lyft Coverage Applies? | Required Coverage? | Rideshare Insurance Policy Needed? |
|---|---|---|---|---|---|---|
| Phase 0 | Driving your vehicle for personal use | Off | Yes | No | State minimum | No |
| Phase 1 | Waiting to accept a ride request | On | No, not without a rideshare add-on | Yes | State minimum | Yes (to cover collision and comprehensive gaps) |
| Phase 2 | Ride accepted, en route to your passenger | On | No, not without a rideshare add-on | Yes | $250,000 per accident in liability coverage | Recommended |
| Phase 3 | Driving your passenger to their destination | On | No, not without a rideshare add-on | Yes | $1 million per accident in liability coverage | Recommended |
Even though Uber and Lyft provide the required liability insurance in Arizona, purchasing your own rideshare coverage can provide additional protection and limit your out-of-pocket costs. If you’re unsure how much coverage you need, speak to an insurance agent.
Arizona drivers with a rideshare insurance endorsement pay $209 per month for a personal full-coverage policy. For comparison, the average cost of full coverage without rideshare insurance in Arizona is $162 per month.
The cheapest insurance company for rideshare coverage in Arizona is State Farm, with an average monthly full-coverage rate of $110, according to Insurify data. Rideshare endorsements are typically cheaper than stand-alone commercial policies.
The average cost of car insurance in Arizona for rideshare drivers is slightly above average compared to other states, which might be partly due to Arizona’s above-average traffic fatality rate.[4]
Explore the cheapest companies for full-coverage rideshare insurance in Arizona in the table below.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $63 | $108 |
| Just Pay-Per-Mile | $63 | $128 |
| Mile Auto | $77 | $143 |
| State Farm | $77 | $133 |
| Sun Coast | $81 | $147 |
| Progressive | $83 | $138 |
| USAA | $86 | $148 |
| Aspire General | $88 | $181 |
| Novo Flex | $88 | $129 |
| Novo Next | $92 | $121 |
| Certainly | $93 | $252 |
| Mercury | $95 | $173 |
| The General | $95 | $248 |
| Novo | $99 | $163 |
| Allstate | $106 | $179 |
| GEICO | $106 | $179 |
| Just Unlimited | $106 | $224 |
| Safeco | $107 | $161 |
| Hiroad | $108 | $204 |
| Direct Auto | $111 | $215 |
| Bristol West | $112 | $217 |
| Dairyland | $119 | $292 |
| National General | $120 | $241 |
| Clearcover | $124 | $226 |
| AssuranceAmerica | $125 | $239 |
| Trexis | $125 | $268 |
| Commonwealth Casualty | $128 | $274 |
| GAINSCO | $128 | $293 |
| Travelers | $134 | $230 |
| Covercube | $142 | $307 |
| American Family | $152 | $261 |
| Country Financial | $152 | $258 |
| The Hartford | $156 | $267 |
| Farmers | $157 | $270 |
| Liberty Mutual | $181 | $240 |
| Root | $181 | $277 |
Insurify partners with 120+ top insurers for real quotes
Take a look at some of the best insurance companies in Arizona for rideshare drivers. Keep in mind your rate varies based on several factors, such as your driving history, age, and ZIP code.
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 614 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive offers rideshare insurance as an add-on to personal auto policies, with an affordable average full-coverage premium. Progressive rideshare endorsements are compatible with Uber and Lyft. If your rideshare company insurance has a higher deductible than your personal policy, Progressive will cover the difference.
Deductible reimbursement
Competitive rates for safe drivers
Rideshare and personal coverage under one policy
Below-average J.D. Power claims satisfaction score
High-risk drivers may pay more
Higher-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC)
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm has one of the lowest average rates for rideshare coverage in Arizona. State Farm’s rideshare coverage generally adds about 15%–20% to your existing premium. The endorsement works with Uber and Lyft, with an important exception: It doesn’t cover Uber Black or Lyft Black, which require commercial auto policies.
Competitive rates
Offers various discounts
Above-average J.D. Power claims satisfaction score
Doesn’t cover Uber Black or Lyft Black
Fewer coverage options than other insurers
High-risk drivers might pay more
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $115/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA offers rideshare gap protection to help cover you during times when your personal policy or TNC insurance doesn’t, such as when you’ve logged into a ridesharing app but haven’t accepted a rider request yet. USAA policyholders have access to guaranteed repairs at many USAA-approved locations in the event of vehicle damage.
Can add to your existing USAA auto policy
Guaranteed repairs at more than 2,900 USAA-approved locations
Customizable deductibles
Must qualify for USAA membership
Rates aren’t as low as some other insurers
Above-average number of complaints filed with the NAIC
Below, you can learn more about Arizona rideshare insurance.
Arizona rideshare insurance is for drivers who use their personal vehicles while working for companies like Uber and Lyft. Drivers typically add rideshare insurance to a personal auto policy as an endorsement. Commercial insurance, which businesses generally purchase as a separate policy, covers vehicles primarily used for business purposes.
You can buy separate rideshare insurance in Arizona, but it’s typically cheaper to add the coverage to your personal auto policy, assuming your existing insurer offers it.
Rideshare insurance helps fill coverage gaps between your personal auto insurance and the insurance your ridesharing company provides. Coverage varies by phase, such as before or during a ride. So, if you’re in a car accident, the coverage that kicks in depends on the phase of your rideshare trip.
Arizona’s minimum car insurance requirements include $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability coverage.
Progressive, State Farm, and USAA are among the best rideshare car insurance companies in Arizona.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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