Buckle Auto Insurance: Company Reviews (2025)
Buckle used to sell car insurance to rideshare and delivery drivers, but it stopped offering coverage in 2023.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She ’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ 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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Table of contents
Buckle is an insurtech company that helps small and midsize managing general agents (MGAs) grow in their respective insurance markets through “fronting” — the process of using a licensed insurer to issue policies for a self-insured organization or captive insurer.[1]
Buckle works with Gateway Insurance, which it fully acquired in 2020, to provide more competitive terms and lower-cost fronting services.[2] After acquiring Gateway, Buckle began selling commercial car insurance to rideshare and delivery drivers. But the company no longer offers this coverage.
Here’s what you need to know about Buckle, including alternative insurance options to consider for rideshare insurance.
Buckle Insurance Update
It’s unclear exactly why Buckle Insurance stopped selling rideshare coverage. But several news articles indicate that a lack of funds was a driving factor. The company decided to limit underwriting to reduce risk, improve profitability, and protect capital, according to a regulatory filing by Gateway Insurance. The company also went through a series of layoffs during this time.
Alternatives to Buckle Insurance
Though Buckle doesn’t sell rideshare insurance anymore, you have plenty of other options to choose from. Here are several reputable rideshare insurance companies that can be a good alternative to Buckle.
State Farm: Best for customer satisfaction
| 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. | $55/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. | $117/mo |
4.1
Best choiceBased on 11,208 verified guest reviews and ratings
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,023)
Connie
June 15, 2025
Verified Review
Lack of Communication and Unexplained Premium Increases
It seems like my monthly premium goes up every few months without any explanation. I have only had one minor accident with them almost three years ago. They did process the claim right away and let me take it to the place I requested, which was nice because they did a great job fixing it.
Mark
June 14, 2025
Verified Review
State Farm: Reliable and Fair
Auto premium spiked but it may be related to owning a Tesla, and it appears to be in line with other insurers.
Conrad
June 13, 2025
Verified Review
Good and Bad with State Farm
Long-term customer, great rates. Local agents are terrible with poor office management and poorly trained/motivated employees.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the best rideshare insurance companies for overall customer satisfaction. In the J.D. Power 2023 U.S. Auto Insurance Study, State Farm has an above-average ranking for customer satisfaction in every region.[3] Additionally, State Farm has an AM Best financial strength rating of A++ (Superior).
State Farm sells rideshare insurance as an endorsement to your car insurance policy. Some of the coverages you have under your personal insurance policy, like roadside assistance, may also apply when you’re driving for a rideshare service.[4]
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
USAA: Best for military personnel
| 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. | $48/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. | $99/mo |
4.9
Best choiceBased on 2,093 verified guest reviews and ratings
How drivers feel about USAA
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,191)
Marlon
June 15, 2025
Verified Review
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
Norman
June 7, 2025
Verified Review
USAA Value
Expensive for coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Military service members can get excellent rideshare insurance through USAA. If you already have a USAA car insurance policy, you can add a rideshare endorsement to get coverage during the “rideshare gap,” which is the period when your personal car insurance and the rideshare company’s insurance policy aren’t covering you.[5]
USAA offers a rideshare insurance endorsement in every state except Hawaii, Michigan, Montana, New Mexico, New York, North Carolina, South Carolina, and Virginia.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
Progressive: Best for coverage options
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| 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. | $105/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. | $169/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,895)
Heather
June 15, 2025
Verified Review
Do Not Recommend
When you sign up for the snapshot discount, they can double the cost of your rates with no warning.
Michael
June 15, 2025
Verified Review
Good experience
Bundle all vehicles for the best savings.
Bonnie
June 14, 2025
Verified Review
Progressive Insurance Rating
Customer service is great. I have used towing services, and it was good. The price I pay for insurance is very high for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive’s rideshare insurance is available to existing policyholders in select states. Many coverages from your personal car insurance, like roadside assistance and rental reimbursement, will even cover you after you log into the rideshare app, making it one of the best companies for rideshare insurance.
If you have an accident while you’re working, Progressive will reimburse you for the difference between your personal insurance deductible and the rideshare company’s insurance deductible.[6]
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Optional coverage for pet injuries
Cons
Much lower-than-average overall customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Trustpilot rating of 1.1 stars (out of 5) from more than 1,000 reviews
Rates trend higher than rates from many competitors
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Rideshare coverage options
Rideshare insurance provides protection for the coverage gaps between your personal auto insurance policy and the rideshare company’s insurance policy. The most common coverage gap is the period when you have the rideshare app turned on but haven’t matched with a passenger yet.
Rideshare insurance provides similar coverage to your personal car insurance policy. Here are the coverage options that most rideshare insurance policies include:
Liability coverage
Liability insurance applies if you get into an accident while driving for a rideshare company. It covers the other driver’s bodily injuries and property damage but doesn’t include any coverage for your medical expenses or your vehicle.
Uninsured/underinsured motorist coverage
An uninsured/underinsured motorist policy covers your injuries and property damage if you have an accident with a driver who doesn’t have any or enough insurance coverage to pay for your losses in full.
Collision coverage
Collision insurance covers your property damage if you get into an accident while driving for a rideshare company like Uber or Lyft.
Comprehensive coverage
Comprehensive insurance applies if your vehicle sustains non-collision damage, such as vandalism, theft, an object falling onto the car, or hail damage.
Deductible options
Most rideshare insurance policies have a deductible that you pay out of pocket when you file a claim. You can select your deductible when you purchase the policy. The higher your deductible is, the lower your premium will be, and vice versa.
How to get a rideshare insurance quote
Most car insurance companies don’t provide rideshare insurance quotes online like they do for personal car insurance because many insurers offer rideshare insurance only to existing policyholders.
To get a rideshare quote, you should call the insurance company’s customer service department. An agent will ask you some questions to calculate your premium. If you’re not buying rideshare insurance from your existing auto insurance company, the quote process might also involve a credit check.
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How to file a rideshare insurance claim
The process of filing a rideshare insurance or delivery insurance claim will depend on the specific insurer you have. Here are the general steps you’ll need to follow:
Document the damage. If you’re filing a physical damage claim under the collision or comprehensive portion of your rideshare insurance policy, take photos and videos of the damage. This will help the insurance adjuster investigate the claim and determine how much it’ll cost to repair the vehicle.
Report the claim. Most insurance companies and rideshare platforms allow drivers to file a claim on the website, over the phone, or through the mobile app. When you file the claim, you’ll need to provide a description of the incident and provide the information you have, like a police report, witness statements, and photos and videos of the damage.
Wait for reimbursement. Once the insurer approves your claim, you’ll receive the settlement from your insurance company. If you’re filing a physical damage claim, you’ll probably need to pay a deductible. Either the deductible will come out of your final settlement or you’ll pay the deductible to the repair shop that works on your vehicle.
Buckle Insurance FAQs
While Buckle no longer offers rideshare insurance for gig drivers, the company is still operating. The following information can help answer your remaining questions about Buckle and rideshare insurance options.
When did Buckle stop selling car insurance?
It appears that Buckle stopped selling car insurance for rideshare drivers in 2023 after it began experiencing financial issues and laid off a significant number of employees. The insurance company hasn’t sold any other insurance products since then. The company has its focus on its fronting insurance model.
Do drivers need to meet a rideshare insurance requirement?
State laws don’t legally mandate rideshare insurance in the same way that they require liability insurance. But if your car insurance company finds out that you’re driving for a rideshare service and you don’t have rideshare coverage, it could cancel your policy. Additionally, your car insurance company might not pay for incidents that happen while you’re driving for rideshare platforms if you don’t have coverage.
Do you need separate insurance as a delivery driver?
Certain delivery drivers can also get rideshare insurance, specifically if you drive for an app-based delivery service, like Uber Eats or DoorDash. But not all delivery drivers can get rideshare insurance. For example, if you work for a package delivery company full-time, you’re technically using your vehicle as part of a business, which would require a commercial car insurance policy.
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Sources
- International Risk Management Institute. "Fronting."
- Buckle. "Gateway Insurance Company Acquired by Buckle."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- State Farm. "What is rideshare coverage?."
- USAA. "Rideshare Gap Protection Coverage."
- Progressive. "Rideshare Insurance."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ 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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