120+ more*Quotes generated for Insurify users from Georgia within the last 10 days. Last updated on June 18, 2026. 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 June 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
If you drive for a rideshare app like Uber or Lyft, Georgia law doesn’t require you to purchase a personal rideshare insurance policy or a commercial insurance policy. But Georgia state law requires transportation network companies (TNCs), such as Uber and Lyft, to provide insurance for rideshare drivers and their passengers during specific phases of the trip.[1]
That said, you may still want to add rideshare insurance to your personal policy for additional coverage as an Uber or Lyft driver during every phase of your trip.
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While Georgia doesn’t legally require rideshare drivers to have specific rideshare insurance coverage, your personal auto insurance company may require you to add a rideshare endorsement if you drive for Uber or Lyft. Not telling your insurance company that you’re ridesharing can result in policy cancellation or non-renewal.
Rideshare trips have three separate phases, with protection from different insurance coverages.[2] Your personal auto policy will cover you in the first phase, when you’re driving your vehicle for personal use. For the second and third phases, Georgia state law requires TNC companies like Uber and Lyft to provide the following minimum liability coverage limits:[3]
Phase 2: $50,000 per person and $100,000 per accident for bodily injury liability, and $25,000 per accident for property damage
Phase 3: Minimum of $1 million in liability coverage for death, bodily injury, and property damage
To fill in the gaps between your personal auto policy and the required liability coverage from your TNC, you may want to consider purchasing a rideshare endorsement.
Below, you can see how coverage applies during each phase of the trip.
Phase of Trip  | Activity | Rideshare App Status | Personal Car Insurance Policy Applies? | Uber/Lyft Coverage Applies? | Personal Rideshare Coverage Applies? |
|---|---|---|---|---|---|
| 1 | Driving your vehicle for personal use | Off | Yes | No | No |
| 2 | Waiting for a ride request | On | No, not without rideshare insurance | Yes | Yes |
| 3 | Driving to pick up your passengers or en route to their destination | On | No, not without rideshare insurance | Yes | Yes |
Georgia rideshare drivers who purchase a personal auto insurance policy with a rideshare endorsement pay an average of $181 per month for liability coverage and $240 per month for full coverage, according to Insurify data.
Car insurance with rideshare endorsements in Georgia is more expensive than in most other states, with the exception of Nevada, New York, and Maryland.
High average car insurance rates in Atlanta likely bring up Georgia’s statewide average rates. Rideshare drivers in high-traffic areas like Atlanta face higher risks of car accidents. Georgia also has a high number of uninsured and underinsured motorists, which increases risks for drivers and insurers.
The table below shows the cheapest insurance companies for full-coverage rideshare insurance in Georgia.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $150 | $83 |
| State Farm | $161 | $90 |
| Country Financial | $163 | $91 |
| Allstate | $177 | $98 |
| Mile Auto | $182 | $104 |
| USAA | $189 | $105 |
| Mercury | $246 | $145 |
| Progressive | $249 | $118 |
| Root | $256 | $169 |
| Safeco | $274 | $207 |
| AssuranceAmerica | $312 | $193 |
| Direct Auto | $314 | $182 |
| GEICO | $316 | $170 |
| National General | $319 | $204 |
| Clearcover | $322 | $177 |
| Bristol West | $334 | $169 |
| GAINSCO | $369 | $179 |
| Nationwide | $390 | $218 |
| Mendota | $391 | $215 |
| Trexis One | $395 | $207 |
| The General | $404 | $191 |
| First Acceptance | $434 | $223 |
| Trexis | $434 | $229 |
| Liberty Mutual | $444 | $364 |
Getting into a rideshare accident without sufficient coverage could leave you in a tough spot. But you have several quality rideshare insurance companies to choose from in Georgia.
State Farm, USAA, and Progressive are among the best companies for rideshare coverage, offering affordable insurance rates and 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. | $78/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. | $139/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 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.
If you’re already a State Farm auto insurance customer, you can reach out to your State Farm insurance agent for help accessing the company’s TNC endorsement for Uber or Lyft driving.
State Farm’s rideshare insurance extends the coverage you already have, including collision coverage and comprehensive coverage. The company claims that a rideshare endorsement will only increase your current premium by about 15% to 20%.
Large network of local agents
Excellent J.D. Power customer satisfaction rating in the Southeast region
Low National Association of Insurance Commissioners (NAIC) complaint index score
Available only to State Farm car insurance policyholders
Must contact an agent to add a rideshare endorsement
Low Trustpilot rating
| 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. | $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. | $163/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 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.
If you’re an existing USAA member and car insurance customer, you can access the company’s rideshare gap coverage. This coverage extends whatever coverages you already have, whether you’re driving for a rideshare service like Uber or Lyft or a delivery service like DoorDash or Uber Eats.
Good ratings for customer satisfaction and claims satisfaction
Superior financial stability
Guaranteed car repairs at more than 3,800 facilities nationwide
Available only to USAA members
Must have an existing USAA auto policy to add rideshare coverage
Low Trustpilot rating
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 637 |
|---|---|
| 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. | $102/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. | $215/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Georgia drivers with Progressive auto insurance policies can automatically extend that coverage to rideshare trips by adding a rideshare endorsement. These coverage extensions include personal injury protection (PIP), roadside assistance, and rental car reimbursement — all of which can apply to your Uber and Lyft driving.
Also, 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’s deductible and your personal car insurance deductible.
Extends most of your personal coverages when ridesharing
Provides deductible reimbursement coverage
Low NAIC customer complaint score
Can’t get a rideshare insurance quote online
Poor claims satisfaction rating
Low Trustpilot rating
If you’re a rideshare driver in Georgia trying to decide whether you need rideshare insurance, the answers to the following questions can help you make your decision.
In Georgia, commercial car insurance is for people who drive a business-owned or leased vehicle for hire, like a taxi or limousine. Rideshare insurance covers people who use their personal vehicles to drive for transportation network companies (TNCs) like Uber and Lyft or delivery service companies like DoorDash or Uber Eats.
You don’t need a commercial policy as a rideshare driver.
The state of Georgia doesn’t legally require rideshare drivers to have personal rideshare insurance. But the state mandates that rideshare companies provide a minimum level of liability insurance to protect rideshare drivers and their passengers during portions of the rideshare trip. Rideshare drivers should consider purchasing a rideshare endorsement to fill any coverage gaps.
It’s a good idea for Uber and Lyft drivers to purchase a rideshare endorsement on their personal policy. But the best rideshare insurance company varies depending on your specific insurance needs, how often you drive for the rideshare service, and the rideshare company you drive for. Shop around to find the right coverage for your situation.
The average cost of car insurance with a rideshare endorsement in Georgia is $181 per month for liability coverage and $240 per month for full coverage.
State Farm, USAA, Progressive, and other national insurers all offer rideshare insurance policies in Georgia. If you’re not sure if an insurer has rideshare coverage, reach out to an insurance agent to learn more about additional coverages available.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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