Rideshare Insurance in New Jersey (2024)

In New Jersey, rideshare insurance comes with an average monthly premium of $265.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

Featured in

media logomedia logomedia logo
Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Jacob Gee
Reviewed byJacob Gee
Jacob Gee
Jacob GeeDigital Insurance Agent

Jacob Gee is a member of Insurify’s agent team, with more than six years of experience in auto, home, and life insurance. Prior to joining Insurify, he was a senior sales representative for Amica Insurance, where he evaluated new business applications, provided data insight for underwriting decisions, and trained new representatives. His career also encompasses work with the Lear Corporation, and Hilton and Omni Hotels.

Updated December 19, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

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.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates in New Jersey for rideshare drivers

Drivers in and around New Jersey have found policies from NJM, Mercury, Progressive, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from New Jersey 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 New Jersey 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.

Companies like Uber and Lyft provide liability insurance to New Jersey rideshare drivers, but you need to purchase your own policy as well.[1] A rideshare endorsement can eliminate any gaps in coverage between your personal policy and what the transportation network company (TNC) provides.

Rideshare insurance doesn’t have to be expensive — you can save on your insurance costs by shopping around and comparing quotes from several companies. Here’s a look at how rideshare insurance works and how New Jersey drivers can find the right coverage.

Quick Facts
  • Liability rates for rideshare insurance in New Jersey average $193 per month, and full-coverage rates average $337 per month, according to Insurify data. 

  • NJM, Plymouth Rock, and Mercury are the best rideshare insurance companies in New Jersey.

  • The three phases of rideshare driving affect which type of insurance covers you.

Cost of rideshare insurance in New Jersey

New Jersey drivers pay average monthly premiums of $193 for rideshare liability insurance and $337 for full-coverage rideshare insurance, which is higher than the rates in many other states. This may be partly because New Jersey requires rideshare drivers to obtain higher minimum-coverage levels than other states.

The table below shows the cheapest rideshare insurance companies in New Jersey and the average rates for each.

Insurance Company
Average Monthly Quote
NJM$177
Plymouth Rock$181
CSAA$183
GEICO$226
Mercury$267
Foremost$303
Midvale Home & Auto$360
State Farm$414
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.

Find Rideshare Insurance in New Jersey

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Best rideshare insurance companies in New Jersey

Not all auto insurance companies offer rideshare insurance, so your options are more limited. Here’s a look at the best rideshare insurance companies for New Jersey drivers.

NJM: Best for cheap rates

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.
9.4 /10
4.1
Best choiceBased on 35 verified guest reviews and ratings
How drivers feel about NJ Manufacturers

Drivers appreciate the accessible customer service and easy claims process but dislike the higher rates and lack of customer loyalty.

AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
How drivers feel about NJ Manufacturers

Drivers appreciate the accessible customer service and easy claims process but dislike the higher rates and lack of customer loyalty.

AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
Reviews (7)

Daniel

November 1, 2024

Verified Review

Don't Forget to Shop Around

Keep shopping around. All insurance companies are rip-offs for safe drivers like myself.

Richard

September 23, 2024

Verified Review

Too expensive for what is offered

They raised our auto rates by over 33 percent even though we have over 5 clean years with no accidents or tickets. We switched to Progressive and saved over 1K for a year's coverage.

Grigoriy

June 1, 2024

Verified Review

Just after money, but found another. Now they're all together

They are very expensive. It's not clear why?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.19
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
  • Liability only: $141

  • Full coverage: $213

New Jersey Manufacturers Insurance began in 1913 to provide workers’ compensation in New Jersey. Today, the company offers auto insurance across five different states, including a rideshare endorsement.

NJM is the best option for rideshare drivers looking to save money. The company offers the most affordable rates, as well as various discounts. You could earn a discount for purchasing full coverage, enrolling in automatic payments, or bundling your policies.

Pros
  • Affordable rates for New Jersey rideshare drivers

  • Unique endorsements allow for policy customization

  • Many available discounts

Cons
  • Mature driver discounts not available for New Jersey residents

  • Accident forgiveness not available

  • No 24/7 customer service

Plymouth Rock: Best for customized coverage

User Reviews
3.7
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.
NR
3.7
A solid optionBased on 222 verified guest reviews and ratings
How drivers feel about Plymouth Rock

Drivers appreciate the good rates, customer service, and glass coverage but dislike the high premium rates and unclear policy increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
How drivers feel about Plymouth Rock

Drivers appreciate the good rates, customer service, and glass coverage but dislike the high premium rates and unclear policy increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Unique loyalty rewards
Group discount programs
Competitive pricing
Reviews (112)

Paul

December 16, 2024

Verified Review

Plymouth Rock

They are good, but they raised the rates.

Christine

November 2, 2024

Verified Review

Plymouth Rock

The coverage is fine, but the insurance just keeps going up and up, and I haven't had any accidents.

Rayette

October 31, 2024

Verified Review

Payment Issue

It's not providing me with the option to pay monthly, and it's challenging to pay the entire premium all at once.
See all Plymouth Rock reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
789
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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).
NR
Why we picked this company
  • Liability only: $144

  • Full coverage: $217

Plymouth Rock offers many different types of insurance policies, including auto insurance. The company offers two options for rideshare insurance: a basic endorsement and an enhanced endorsement. That way, you can customize your coverage based on your needs and budget. Rideshare drivers can take advantage of additional endorsements, like gap insurance, new car replacement coverage, and accident forgiveness.

Pros
  • Two different rideshare endorsements

  • Accident forgiveness available 

  • AM Best financial strength rating of A- (Excellent)

Cons
  • Coverage available in only six states

  • Not as many discounts as other insurers

  • Trustpilot rating of 1.9 out of five stars

Mercury: Best for bundling your policies

User Reviews
3.7
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.
8.0 /10
3.7
A solid optionBased on 483 verified guest reviews and ratings
How drivers feel about Mercury

Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury

Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (265)

Harry

December 19, 2024

Verified Review

Excellent

They are very attentive and helpful. It's easy to get customer service.

Jack

December 16, 2024

Verified Review

Average

Too expensive.

Alex

December 11, 2024

Verified Review

Excellent

I have had no issues with them. Good service.
See all Mercury reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.48
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
  • Liability only: $243

  • Full coverage: $290

Mercury is a good choice for rideshare drivers looking to save money by bundling their home and auto insurance. The company offers a variety of discounts and coverage options to choose from, including rideshare coverage. You can purchase a rideshare endorsement from Mercury for as little as $.90 per day.

Pros
  • Rideshare insurance available for as little as $0.90/day

  • Variety of available discounts and coverage options

  • Home, renters, and business insurance also available

Cons
  • Trustpilot rating of 1.6 out of five stars

  • Not as many options for customizing your policy

  • Not as many available discounts as larger insurers

Rideshare insurance requirements in New Jersey

New Jersey’s rideshare regulations for Lyft and Uber drivers break driving activities into three distinct phases:[2]

  • Phrase 1: During phase one, the driver drives for personal use and the rideshare app isn’t on. Since the driver isn’t using the app or driving for work purposes, their personal auto insurance will cover them if they get in an accident.

  • Phase 2: During this phase, the driver is driving with the rideshare app turned on but has yet to accept a ride request. It gets tricky because although they haven’t accepted a ride yet, they’re technically working since the app is on. During this phase, the company’s rideshare insurance applies.

  • Phase 3: At this point, the driver is driving with the rideshare app on and is either on the way to pick up a customer or driving someone to their destination. Anytime a driver is transporting a passenger, the company’s rideshare insurance applies.

Good to Know

New Jersey law requires all rideshare companies to provide at least $50,000 per person in bodily injury liability, $100,000 per accident in bodily injury liability, and $25,000 in property damage liability. In addition, all rideshare companies must maintain $1.5 million in uninsured/underinsured motorist coverage.

Requirements to drive for Uber and Lyft in New Jersey

You don’t need a special permit to become a rideshare driver in New Jersey, but you must meet certain requirements. Here’s an overview of the vehicle and driver requirements to ensure passenger safety.[3]

Rideshare car requirements

  • Your vehicle can’t be more than 15 years old.

  • You drive a four-door vehicle with five to eight seats, including the driver’s.

  • Your vehicle is registered in the state of New Jersey and has a valid license plate.

  • It can’t be on the list of ineligible subcompact vehicles.

Rideshare driver requirements

  • You must be at least 21 years old.

  • You have at least one year of driving experience, or three years if you’re younger than 25.

  • You’ve undergone a background check that reviewed your criminal and driving history.

  • You have a valid personal auto policy — rideshare insurance isn’t necessary, though it’s a good idea.

Compare Car Insurance Quotes

Score the best car insurance rates for your driving profile

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Types of rideshare insurance coverage

These are the different types of rideshare coverage you can pick from:[4]

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Liability coverage

    A basic liability policy pays for injuries and damages to the other driver in an accident you cause. But it won’t pay for your medical expenses or damages to your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Full coverage

    A full-coverage policy includes comprehensive, collision, and liability insurance. It provides coverage for you and the other driver involved in the accident, regardless of who’s at fault.

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

    Uninsured/underinsured motorist coverage

    This coverage protects you if an uninsured or underinsured motorist hits you. It can also protect you if you’re the victim of a hit-and-run.

Rideshare insurance FAQs

New Jersey rideshare drivers need rideshare insurance in addition to their personal auto policy. Here’s some more information about buying rideshare insurance in New Jersey.

  • Do you need rideshare insurance in New Jersey?

    Yes. New Jersey rideshare drivers need a rideshare endorsement. Using your personal auto insurance policy could leave you with gaps in coverage since most policies won’t cover you once you turn the rideshare app on.

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

    Yes. New Jersey rideshare drivers need either a rideshare endorsement or some type of commercial auto insurance to cover them while they’re working.

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

    Yes. You’ll need a rideshare endorsement along with your personal auto insurance policy. This ensures no gaps in coverage and provides you with extra protection, so you won’t be liable for damage and out-of-pocket expenses.

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

    If you get into an accident while ridesharing with insurance, you’ll be personally liable for any injuries and damages to the other driver. You may be responsible for medical costs, legal fees, and vehicle repairs, which can add up to thousands of dollars in out-of-pocket expenses.

    It’s also illegal to drive without insurance in New Jersey, so you could face fines, license suspension, and more.

  • Does DoorDash count as rideshare for insurance?

    No. DoorDash and other delivery services aren’t categorized as rideshare services since you’re transporting goods instead of people. But your personal auto insurance won’t cover you while you’re driving for DoorDash, so you’ll need to purchase an additional commercial auto policy.

  • How does a rideshare insurance claim work?

    If you’re involved in an accident during a rideshare, contact the police, take photos of the damages, and get the other driver’s insurance information. You can file a claim with Uber or Lyft through your driver app. If you have an additional rideshare endorsement, you’ll also contact your insurance company with details about the claim.

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. New Jersey Motor Vehicle Commission. "Transportation Network Company Safety and Regulatory Act."
  2. Harrell Law Firm. "Navigating Insurance and No-Fault Coverage in New Jersey’s Rideshare Accidents."
  3. Lyft. "What you need to drive with Lyft in Newark."
  4. III. "What is covered by a basic auto insurance policy?."
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Jamie has been a contributor at Insurify since October 2022.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Jacob Gee
Reviewed byJacob GeeDigital Insurance Agent
Jacob Gee
Jacob GeeDigital Insurance Agent

Jacob Gee is a member of Insurify’s agent team, with more than six years of experience in auto, home, and life insurance. Prior to joining Insurify, he was a senior sales representative for Amica Insurance, where he evaluated new business applications, provided data insight for underwriting decisions, and trained new representatives. His career also encompasses work with the Lear Corporation, and Hilton and Omni Hotels.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all