Rideshare Insurance in Georgia (2025)
Georgia doesn’t require rideshare insurance policies, but Uber and Lyft drivers should still consider adding this coverage to their personal auto policy.
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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
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. | $103/mo |
4.2
Best choiceBased on 10,150 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 (5,597)
Joyce
March 23, 2025
Verified Review
Average
As a senior, I feel that I pay too much for insurance.
Julene
March 23, 2025
Verified Review
I have been a State Farm customer since 1976. I have never been unsatisfied with my State Farm insurance provider.
I have been a State Farm customer since 1976. I have never been unsatisfied with my State Farm insurance provider.
Ramona
March 23, 2025
Verified Review
Good
They pay for claims quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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. | $74/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. | $120/mo |
4.9
Best choiceBased on 1,830 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 (1,054)
Philip
March 23, 2025
Verified Review
Fair
Every couple of years, they raise the premiums and lower the coverage.
Shandra
March 21, 2025
Verified Review
Helpful in Difficult Times
When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.
Karen
March 21, 2025
Verified Review
My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.
My husband and I have a policy with USSA and our new monthly record has not arrived at our home! The expiration date was 3/15. We need a new record that has been paid for. This is unspeakably rude and dangerous as we are now past due.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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. | $92/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
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 (6,426)
Patricia
March 23, 2025
Verified Review
Poor
Their quoted rate was ridiculously high.
Emmanuel
March 23, 2025
Verified Review
Not Pleased
They are not flexible or considerate to the customer.
R
March 23, 2025
Verified Review
They significantly increased my house insurance even though I've never made a claim. They also raised my car insurance by 60 dollars a month due to a claim I made when my car was damaged in a parking lot by a hit and run.
They significantly increased my house insurance even though I've never made a claim. They also raised my car insurance by 60 dollars a month due to a claim I made when my car was damaged in a parking lot by a hit and run.
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.
0.82A.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:
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.
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.
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.
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
- 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
- Insurance Information Institute. "Ride-sharing and insurance: Q&A."
- State Farm. "What is rideshare coverage?."
- USAA. "What is ridesharing?."
- Progressive. "Rideshare Insurance."
- International Risk Management Institute. "Crafting the Right Coverage for Uber and Lyft Drivers."
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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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