Rideshare Insurance in Georgia (2024)

Georgia doesn’t require rideshare insurance policies, but Uber and Lyft drivers should still consider adding this coverage to their personal auto policy.

Elizabeth Rivelli
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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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated December 19, 2024

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Cheapest recent rates in Georgia for rideshare drivers

Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $60/mo for full coverage in Georgia.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rideshare insurance is a smart purchase if you drive for a transportation network company (TNC) like Uber or Lyft. Rideshare coverage fills the gaps between your personal car insurance policy and the rideshare company’s policy during certain phases of a trip because your standard coverage won’t apply during ridesharing.[1]

You don’t need rideshare insurance to drive for Uber or Lyft in Georgia. But without it, you’ll have limited coverage while waiting to accept a ride request.

Here’s what you need to know about finding the best car insurance as a rideshare driver in Georgia.

Quick Facts
  • Rideshare insurance provides supplemental coverage for accidents that occur while driving for Uber or Lyft.

  • The average cost of rideshare insurance in Georgia is $298 per month for full coverage and $185 per month for minimum coverage.

  • Uber and Lyft typically provide some level of coverage for their rideshare drivers.

Cost of rideshare insurance in Georgia

The average cost of a personal auto policy with a rideshare endorsement in Georgia is $185 per month for liability-only insurance and $298 per month for full coverage. Rideshare insurance premiums vary by insurer.

Below, you can see average monthly rates for full-coverage insurance from some of the cheapest insurance companies in Georgia.

Insurance Company
Average Monthly Quote
Auto-Owners$120
State Farm$129
COUNTRY Financial$130
Allstate$140
USAA$150
Mile Auto$156
Safeco$195
Progressive$197
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Best rideshare insurance companies in Georgia

State Farm, USAA, and Progressive are a few of the best car insurance companies for Uber and Lyft drivers in the Peach State. When shopping for rideshare insurance in Georgia, it’s a good idea to compare several companies to find one that meets your needs.

Start your search for coverage with the top insurers below.

State Farm: Best for low rates

User Reviews
4.2
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.
$63/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.
$100/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

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

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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 offers some of the cheapest rideshare insurance in Georgia. Existing State Farm auto insurance customers can access the company’s TNC endorsement. Adding rideshare insurance will extend the coverages you already have, like collision and comprehensive insurance. Adding a rideshare endorsement will raise your current premium by 15% to 20%, according to the company.[2]

Pros
  • Low average premiums

  • Large network of local agents

  • Excellent customer satisfaction rating in the Southeast region

Cons
  • Only available to State Farm car insurance policyholders

  • Must contact an agent to add a rideshare endorsement

  • More complaints than expected for a company of its size

USAA: Best for customer satisfaction

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.
9.4 /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.
$73/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.
$116/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

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

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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

USAA is a great insurance company to consider if you value excellent customer service. The company has a high rating for overall customer satisfaction in J.D. Power’s 2024 U.S. Auto Insurance Study in the Southeast region. It also ranks above average for claims satisfaction and has an A++ (Superior) financial strength rating from AM Best.

USAA’s rideshare gap coverage is available to existing car insurance customers. It extends the coverages you already carry when you’re driving for a rideshare service like Uber or Lyft or for a delivery service like DoorDash.[3]

Pros
  • Good ratings for customer satisfaction and claims satisfaction

  • Superior financial stability

  • Guaranteed car repairs at nearly 3,000 facilities nationwide

Cons
  • Only available to USAA members

  • Must have an existing USAA auto policy to add rideshare coverage

  • More complaints than expected for a company of its size

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.
842
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.
8.4 /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.
$91/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.
$161/mo
How drivers feel about Progressive

Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.

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

Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,896)

Robert

December 19, 2024

Verified Review

Average

They did not call me back as they promised they would.

Vincent

December 19, 2024

Verified Review

Poor

Too expensive.

Lester

December 19, 2024

Verified Review

Beware!

Beware of the inaccurate snapshot readings that Progressive uses to increase quotes.
See all Progressive reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.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 offers some of the best coverage to rideshare drivers in Georgia. If you have a Progressive auto insurance policy, your coverage automatically extends to your rideshare trips, including personal injury protection (PIP), roadside assistance, and rental car reimbursement.

Additionally, Progressive’s rideshare policies include deductible reimbursement coverage. If you need to file a claim, your rideshare insurance policy will cover the difference between the TNC company’s deductible and your personal car insurance deductible.[4]

Pros
  • Extends most of your personal coverages when ridesharing

  • Provides deductible reimbursement coverage

  • Below-average rideshare premiums

Cons
  • Can’t get a rideshare insurance quote online

  • Poor claims satisfaction rating

  • More complaints than expected for a company of its size

Rideshare insurance requirements in Georgia

When you’re driving for a rideshare company, the insurance coverage that protects you depends on the specific phase of the trip. These are the phases of a rideshare trip:

  • Phase 1: During this phase, you’re driving for personal use with the app turned off. Your personal car insurance policy covers you.

  • Phase 2: In this phase, you’re driving with the rideshare app turned on and waiting to receive a ride request. During this period, the TNC’s liability insurance policy covers you. Uber and Lyft both provide third-party liability coverage with limits of 50/100/25. Your car insurance policy provides limited coverage during this time. But if you have rideshare insurance, your personal car insurance coverages will apply.

  • Phase 3: In this phase, you have the rideshare app turned on and you’re either driving to pick up a passenger or en route to their destination. During this time, the rideshare company’s insurance policy covers you. Uber and Lyft both provide at least $1 million in third-party liability coverage during this phase. If you carry full coverage on your personal auto policy, Uber and Lyft also provide contingent collision and comprehensive insurance with a $2,500 deductible.[5]

While Georgia doesn’t legally require rideshare insurance coverage, your car insurance company can still require you to add a rideshare endorsement if you drive for Uber or Lyft. If you don’t tell your insurance company that you’re using your vehicle for ridesharing, your insurer might not cover the claim if you have an accident.

Requirements to drive for Uber and Lyft in Georgia

Uber and Lyft have slightly different requirements in every state. Before you sign up to drive for a TNC, make sure you understand the rules for drivers and their vehicles.

Rideshare car requirements

If you want to become an Uber or Lyft driver in Georgia, your vehicle must meet certain specifications.

Lyft has the following vehicle requirements:

  • 4-door vehicle

  • 2012 model year or newer

  • 5–8 seats, including the driver’s seat

  • No salvage, non-repairable, or rebuilt titles

  • Maintain a valid inspection sticker and state minimum coverage

Uber has the following vehicle requirements:

  • 16-year-old vehicle or newer

  • In good condition free of cosmetic damage

  • No commercial branding on the vehicle

  • Maintain a valid inspection sticker and state minimum coverage

Rideshare driver requirements

Drivers have to meet certain requirements to sign up.

Lyft has the following driver requirements:

  • Valid driver’s license (can be out-of-state or temporary)

  • At least 25 years old

  • Pass a driver screening test

Uber has the following driver requirements:

  • Valid Georgia driver’s license to sign up (no out-of-state licenses)

  • At least one year of licensed driving experience in the U.S.

  • People younger than 25 need at least three years of driving experience

  • Pass a background check

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Types of rideshare insurance coverage

Georgia rideshare drivers can benefit from having multiple types of insurance coverage. The most important policies include:

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    Liability coverage

    Liability insurance covers third-party bodily injury and property damage claims when you cause an accident. It also pays for your legal defense and court costs if someone sues you following an accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist insurance covers your medical expenses and property damage if an uninsured or underinsured driver causes an accident with you and doesn’t have the coverage to pay for your losses in full.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Collision and comprehensive coverage

    Collision insurance covers your vehicle’s repairs after a covered accident. Comprehensive insurance covers non-collision damage from things like fires, floods, hail, falling objects, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    Deductible options

    Rideshare policies typically require a deductible for collision and comprehensive claims. If you get into an accident while ridesharing, you’ll likely have to pay separate deductibles on your personal policy and the TNC’s policy. But many rideshare endorsements include deductible gap coverage, which will reimburse you for the difference.

Rideshare insurance FAQs

If you drive for Uber or Lyft, it’s important to have the right types of insurance coverage. Here’s more information that can be helpful as you shop for rideshare insurance in Georgia.

  • Does Georgia require rideshare insurance?

    Georgia doesn’t require Uber and Lyft drivers to carry rideshare insurance. But your car insurance company can require you to add a rideshare endorsement to your personal auto policy.

  • Do Uber drivers in Georgia have to carry commercial auto insurance?

    Uber drivers who use their personal vehicles don’t need commercial auto insurance in Georgia. Commercial car insurance is for people who drive a business-owned or leased vehicle for hire, like a taxi or limousine.

  • Do you really need rideshare insurance if you have personal auto insurance?

    Yes. Rideshare insurance is valuable even if you have a personal car insurance policy. Your personal auto policy provides limited coverage during certain phases of a rideshare trip. Rideshare insurance fills the coverage gap between what your personal car insurance policy covers and what the rideshare company’s policy covers.

  • What happens if you get into an accident while ridesharing without insurance?

    If you have an accident and don’t have ridesharing insurance, your TNC’s insurance policy or your personal auto insurance policy may cover you, depending on when the incident occurred. But without rideshare insurance, you likely won’t have any coverage for your vehicle’s damages or your medical expenses.

  • Does DoorDash count as rideshare for insurance?

    Yes. You can purchase rideshare insurance if you drive for DoorDash. Similar to Uber and Lyft, DoorDash provides up to $1 million in third-party liability coverage for drivers during some phases, but coverage gaps still exist. Adding a rideshare insurance endorsement will fill the gaps and provide more complete coverage.

  • How does a rideshare insurance claim work?

    If you have a car accident while driving for a rideshare service, you can file a claim under the rideshare company’s insurance. Your TNC company will let you know if their coverage applies to the accident, based on when the incident occurred. You should also file a claim under your personal car insurance policy. If you have rideshare insurance, your policy might supplement the rideshare company’s coverage.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Ride-sharing and insurance: Q&A."
  2. State Farm. "What is rideshare coverage?."
  3. USAA. "What is ridesharing?."
  4. Progressive. "Rideshare Insurance."
  5. International Risk Management Institute. "Crafting the Right Coverage for Uber and Lyft Drivers."
Elizabeth Rivelli
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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