120+ more)
)
5+ years experience in personal finance writing
Personal finance blogger
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Updated
You need rideshare insurance in Indiana as soon as you switch your rideshare app to active if you want protection for your vehicle.
Indiana law allows your personal car insurance to exclude coverage the moment you log on to a transportation network company’s (TNC) digital network.[1] That means your insurer can deny a claim even before a passenger requests a ride.
Insurify partners with 120+ top insurers for real quotes
Indiana doesn’t require a personal rideshare endorsement as long as the TNC meets the state’s minimum insurance requirements on your behalf. Uber and Lyft provide this coverage, but neither covers damage to your vehicle when the app is active while you wait for a ride request. That means you’d have to pay out of pocket for repairs if you’re in an accident during this period.
Once you accept a ride, Indiana car insurance laws require $1 million in liability coverage — from the moment you head to pick up the passenger through drop-off. Uber and Lyft cover physical damage during this stage only if your personal car insurance policy includes collision and comprehensive coverage. Claims also come with a $2,500 deductible.
Your coverage level depends on which phase of the rideshare process you’re in when an accident occurs. A rideshare endorsement can fill Uber and Lyft’s coverage gaps, protecting your vehicle at every stage. It also typically comes with a much lower deductible than the TNC’s $2,500.[2]
Here’s how coverage applies during each phase of the trip.
Phase  | App Status | Personal Auto Insurance Applies? | Uber/Lyft Coverage | Rideshare Endorsement Needed? |
|---|---|---|---|---|
| Period 0 | App off | Yes, your normal coverage | None | No |
| Period 1 | App on, waiting for a ride request | No, your insurer can deny your claim | Liability only: $50K bodily injury per person, $100K per accident, $50K for property damage (Indiana requirement) | Recommended for damage to your own vehicle |
| Period 2 and 3 | En route or transporting a passenger in a vehicle | No, your insurer can deny your claim | $1 million liability coverage (state required); contingent comprehensive and collision coverage if included in your personal auto policy | Recommended for deductible gap, and if you lack comprehensive and collision coverage |
Indiana rideshare insurance coverage costs $134 per month, on average, for full coverage and $68 for liability coverage, according to Insurify data. That’s well below the national averages of $214 and $113, respectively.
Indiana’s lower traffic congestion and fatality rates contribute to its cheaper insurance premiums — unlike more densely populated states like New York, which have some of the highest rideshare insurance rates in the country.
Insurers typically view driving part time as less risky than using your vehicle primarily for commercial use. It’s typically more affordable to add a rideshare endorsement to your existing personal policy than to buy a full commercial policy.
Progressive offers the cheapest rideshare insurance in Indiana, averaging $60 per month for full coverage. The table below shows average monthly quotes for full-coverage rideshare insurance in Indiana.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Progressive | $60 | $41 |
| Auto-Owners | $68 | $36 |
| State Farm | $72 | $37 |
| USAA | $76 | $41 |
| GEICO | $80 | $42 |
| Safeco | $88 | $61 |
| Direct Auto | $101 | $53 |
| Root | $105 | $64 |
| American Family | $106 | $56 |
| First Chicago | $108 | $43 |
| Elephant | $116 | $75 |
| AssuranceAmerica | $117 | $63 |
| National General | $117 | $49 |
| Liberty Mutual | $124 | $72 |
| First Acceptance | $133 | $58 |
| CSAA | $134 | $79 |
| Travelers | $141 | $75 |
| The General | $143 | $59 |
| Farmers | $148 | $79 |
| Bristol West | $151 | $79 |
| Trexis | $153 | $60 |
| Mendota | $154 | $76 |
| Trexis One | $164 | $64 |
| Allstate | $168 | $89 |
| GAINSCO | $175 | $67 |
| Nationwide | $186 | $99 |
| Dairyland | $199 | $63 |
| State Auto | $352 | $186 |
Less than 1% of Indiana drivers carry rideshare insurance, according to Insurify data. If you’re driving for a rideshare company like Uber or Lyft without an endorsement, the insurers below are our picks for the best car insurance in Indiana for rideshare drivers.
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $40/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. | $77/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO scores well for customer service in Indiana, ranking above the regional average in the J.D. Power U.S. Auto Insurance Study. Its National Association of Insurance Commissioners (NAIC) complaint index is also 0.87, which means fewer policyholders filed complaints than expected.
GEICO offers rideshare coverage through an endorsement added to your personal policy, which protects you while driving for Uber and Lyft. Its highly rated mobile app lets you request roadside assistance and file a claim if you need support after a rideshare accident.
Ranked highly in J.D. Power U.S. Insurance Digital Experience Study
Several car insurance discounts available
AM Best financial strength rating of A++ (Superior)
Some competitors may offer cheaper rideshare rates in Indiana
Below-average ranking in J.D. Power U.S. Auto Claims Satisfaction Study
Gap insurance not available
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 648 |
|---|---|
| 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. | $39/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. | $58/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Although Indiana’s rideshare rates are already below the national average, Progressive offers the cheapest full-coverage rideshare in the state, according to Insurify data. It also offers discounts for bundling multiple policies, going paperless, and safe driving through its Snapshot program.
You can add a rideshare endorsement to your existing policy to fill coverage gaps for Uber and Lyft. Progressive also reimburses the difference between your TNC deductible and your personal policy deductible, saving you money after a claim.
Affordable rideshare premiums in Indiana
Highly rated mobile apps
Fewer NAIC complaints than expected
Below-average J.D. Power customer satisfaction rating
Poor J.D. Power claims satisfaction rating
Poor customer ratings with the Better Business Bureau
| 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. | $36/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. | $69/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.
For Indiana rideshare drivers who prefer working with a local agent, State Farm has one of the largest agent networks in Indiana. An insurance agent can explain Indiana’s TNC requirements and help you choose the right coverage.
Adding a rideshare endorsement to your policy can cover Uber and Lyft trips, but it may raise your premium by about 15%–20%. That said, your personal deductible applies instead of the TNC’s typical $2,500 deductible if you have to file a claim.
Affordable rideshare premiums in Indiana
Above-average J.D. Power customer and claims satisfaction ratings
AM Best financial strength rating of A+ (Superior)
More NAIC complaints than expected
Accident forgiveness not available
Gap insurance not available
Indiana doesn’t require drivers to carry rideshare coverage as long as your TNC provides the state-minimum coverage on your behalf — but you don’t have full protection without it. The information below can help clarify what rideshare drivers in Indiana need to know.
Rideshare insurance in Indiana is a personal auto endorsement that covers drivers who work for TNC companies like Lyft and Uber. Commercial insurance covers vehicles used primarily for business purposes, such as delivery vans and work trucks, and typically costs more than a rideshare endorsement.
Rideshare insurance in Indiana averages $68 per month for liability-only coverage and $134 for full coverage. Rates vary based on your driving history, vehicle, deductible, and coverage level.
TNCs typically offer the Indiana-required liability protection, but you need rideshare insurance to cover damage to your vehicle once you switch your app to active. Indiana law allows personal auto insurers to deny claims as soon as you log on to a TNC’s network.
Indiana requires TNC drivers to have $50,000 per person and $100,000 per accident in bodily injury coverage, and $50,000 in property damage liability, while waiting for a ride. As a driver, once you’ve accepted a ride, you must carry $1 million in liability coverage. Uber and Lyft meet these requirements on your behalf.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
