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Rideshare Insurance: 10 Best Auto Insurance Companies for Uber and Lyft Drivers (2022)

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Last Updated: January 2022

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

Uber and Lyft drivers, beware: your standard personal car insurance policy 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 between your trips. You can easily compare policies on Insurify.

While on the job, your only active coverage is the commercial insurance provided by Uber or Lyft. But even this temporary coverage may have coverage limits and offer less protection than you need (especially after finishing a trip and before accepting a new ride request). It may not adequately cover you, your vehicle, or your passengers in the event of an accident.

Cheapest Companies for Uber and Lyft Insurance

Insurance Company Average Monthly Rate for Rideshare Drivers
Amigo USA $102
Mile Auto $130
Anchor $133
Novo $155
Assurance America $157

Affordable car insurance is just a few clicks away when you compare rideshare insurance policies on Insurify.

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How Uber and Lyft Commercial Insurance Works

Wondering how Uber and Lyft already cover you with rideshare coverage?

Here’s how: 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 step of a trip.

Your personal auto insurance policy will always include liability insurance, consisting of bodily injury liability and property damage liability. Other types of coverage your personal policy might include are comprehensive coverage and collision coverage, medical expenses, and uninsured motorist coverage.

Uber’s and Lyft’s commercial policies always protect drivers but are liability-only during the “available” stage of a rideshare trip. That means that once you’ve turned your rideshare app on and are waiting for a fare request, you’re less protected than you are during any other stage of a trip. What if you get into a major accident during this brief window of time between your shift starting and you driving to your first pickup?

To fill the gap, many insurance companies have devised their own policies, endorsements, or packages to either give you more protection or synthesize your personal and commercial insurance policies. To ensure adequate protection while driving for Uber and Lyft, drivers should explore additional coverage in the form of dedicated rideshare insurance from an independent company.

Types of Rideshare Insurance Policies

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

  • Additional Protection: An insurance company 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’s or Lyft’s commercial coverage.

  • Personal Insurance Coverage Extension: Some insurance companies 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 insurance policy with that same insurance provider.

  • Hybrid Insurance Package: These policies are specifically designed to replace your personal auto insurance with rideshare insurance coverage.

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

How to Compare Rideshare Insurance Quotes

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

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

Best Uber & Lyft Car Insurance Companies

We’ve compiled a list of the auto insurance companies that provide the best rideshare 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.

1. USAA

  • Insurify Composite Score: 94

  • Coverage Type: Personal Insurance Coverage Extension

  • Coverage Description: USAA’s Ridesharing Gap Coverage covers you while you are logged on to your ridesharing app and waiting for a rideshare request. Most insurance companies will call this coverage “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” and “en route” stage stages of a ridesharing trip.

  • 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

  • Insurify Composite Score: 88

  • Coverage Type: Personal Insurance Coverage Extension

  • Coverage Description: American Family Insurance describes its coverage, called the American Family Rideshare Endorsement, as an add-on to your existing personal policy with American Family. It is the equivalent of ridesharing gap coverage and provides the same coverage as your personal auto policy (including bodily injury liability, property damage liability, collision, comprehensive, medical payments coverage, and personal injury protection).

  • Estimated cost: Varies. The 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. Your commercial insurance policy through Uber or Lyft covers the rest of a trip.

3. GEICO

  • Insurify Composite Score: 87

  • Coverage Type: Hybrid Insurance Package

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

  • Estimated Cost: Varies. The cost will increase from your personal auto insurance premium with GEICO, as it replaces your personal policy. Deductibles can be as low as $250 for this hybrid package.

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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. This coverage does not apply to any vehicle you do not own.

GEICO also boasts lower rates than taxi and commercial policies, even lower deductibles.

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).

GEICO stipulates that its ridesharing insurance package applies to drivers for Uber, Lyft, Amazon Flex, Grubhub, DoorDash, Postmates, Uber Eats, or any combination of these.

4. Allstate

  • Insurify Composite Score: 86

  • Coverage Type: Additional Protection OR Hybrid Commercial Insurance Package

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

  • Estimated Cost: $10 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.

As of 2021, Allstate has also partnered with Uber to provide commercial insurance protection to both riders and drivers in about a dozen states. This hybrid, full ridesharing insurance policy combines personal and business coverage into one singular policy.

5. Erie

  • Insurify Composite Score: 85

  • Coverage Type: Personal Insurance Coverage Extension

  • Coverage Description: Erie’s Rideshare Insurance is rolled into your personal auto insurance coverage. Erie has extended its “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.)

  • 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.

6. Safeco

  • Insurify Composite Score: 85

  • Coverage Type: Personal Coverage Extension

  • Coverage Description: Safeco’s RideSharing Coverage 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.

  • 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.

7. State Farm

  • Insurify Composite Score: 83

  • Coverage Type: Personal Insurance Coverage Extension

  • Coverage Description: State Farm’s Rideshare Driver 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” phase.

  • 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.

8. Farmers

  • Insurify Composite Score: 83

  • Coverage Type: Personal Insurance Coverage Extension OR Hybrid Commercial Insurance Package

  • Coverage Description: Farmers Rideshare 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.

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

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

As of 2021, Farmers has partnered with Uber to provide commercial insurance protection to rideshare drivers in about a dozen states. This hybrid, full-coverage car insurance policy for ridesharing drivers combines personal and business coverage into one singular policy.

Frequently Asked Questions

  • Rideshare apps like Uber and Lyft offer commercial insurance to their drivers through their apps. However, this commercial coverage does not necessarily cover drivers at all stages of a trip, and certainly not while drivers are “offline.” Rideshare drivers require personal coverage, supplemental coverage, and their rideshare app’s built-in commercial policy.

  • Scroll up on this page to see Insurify’s top-ranked insurance companies for Uber and Lyft drivers. The top insurance company by Insurify Composite Score is USAA, whose Ridesharing Gap Coverage costs as little as $6 per month. American Family and GEICO also offer attractive rideshare insurance packages.

  • Yes, driving for Uber, Lyft, or a similar rideshare service will affect your car insurance rates, and you probably specifically need rideshare insurance. TNCs and rideshare apps often consider their drivers to be independent contractors and will not cover all stages of a rideshare trip. Comparing auto insurance quotes and getting the most coverage possible will ensure that you are not at risk for paying out expensive claims.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.