120+ more*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on August 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on August 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
The North Carolina Department of Insurance doesn’t require rideshare insurance if you drive for a transportation network company (TNC) such as Uber or Lyft. That’s because the Tar Heel State mandates that transportation network companies provide third-party liability insurance for rideshare drivers.[1]
But you must notify your insurance company when you start driving for a TNC or a delivery network company like DoorDash or Uber Eats. A rideshare endorsement from your auto insurance company can help bridge any coverage gaps.
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Rideshare drivers in North Carolina must carry a personal auto insurance policy that meets the state’s minimum liability coverage requirements:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
You can break down all rideshare trips into three phases. Which insurance policy covers you depends on which phase of the trip you’re in when a car accident occurs. Here’s how the coverage works in North Carolina.
Phase of Trip | Activity | Rideshare App Status | Personal Auto Insurance Policy Applies? | Uber/Lyft Coverage Applies? | Required Coverage? | Rideshare Insurance Policy Needed? |
|---|---|---|---|---|---|---|
| Phase 1 | Driving your vehicle for personal use | Off | Yes | No | State minimums | No |
| Phase 2 | Waiting for a ride request | On | No, not without rideshare insurance | Yes | TNCs required to provide third-party liability insurance with policy limits of 50/100/25 | Yes (to fill coverage gaps such as collision/comprehensive) |
| Phase 3 | Driving to pick up passengers through the completion of drop-off | On | No, not without rideshare insurance | Yes | TNCs required to provide third-party liability insurance with policy limits of $1 million total | Recommended |
During Phase 2, North Carolina law requires rideshare drivers to have liability insurance. That includes minimum policy limits of $50,000 per person and $100,000 per accident for bodily injury, and $25,000 per accident for property damage. During Phase 3, rideshare drivers must have $1 million in liability insurance.
Since the Tar Heel State doesn’t mandate rideshare insurance for drivers, these are essentially legal requirements for TNCs.
North Carolina drivers pay an average of $99 per month for rideshare insurance. That’s significantly less than the national average of $212 per month for the same coverage. This aligns with North Carolina’s generally lower auto insurance costs compared to the national average.
Purchasing a rideshare endorsement is also typically cheaper than buying commercial auto insurance. Commercial policies are for vehicles used for business purposes and may be cost-prohibitive for someone driving part time for a TNC.[2]
Progressive offers the cheapest full-coverage rideshare insurance in North Carolina, according to Insurify data. The table below lists the cheapest companies in the Tar Heel State for rideshare insurance.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Erie | $48 | $81 |
| Progressive | $53 | $81 |
| Allstate | $55 | $75 |
| GEICO | $56 | $97 |
| Direct Auto | $57 | $80 |
| Liberty Mutual | $57 | $95 |
| National General | $57 | $81 |
| Safeco | $61 | $104 |
| Travelers | $61 | $102 |
| Dairyland | $66 | $143 |
| State Farm | $78 | $133 |
Monthly full-coverage rates start at $99 for rideshare drivers
If you drive for a TNC or a delivery network company in North Carolina, you may not legally need rideshare insurance, but it can keep you from having a gap in coverage. Below are some of the best auto insurance companies in North Carolina for rideshare drivers.
| 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. | $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. | $155/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.
State Farm is the largest car insurance company in the nation by market share and has local agents in more than 150 cities across North Carolina. Uber and Lyft drivers insured with State Farm will find it easy to calculate the cost of adding rideshare insurance.
State Farm is relatively transparent about rideshare endorsement pricing, noting that adding coverage typically increases personal auto premiums by about 15% to 20%. This gives Uber and Lyft drivers a general idea of what to expect before requesting a quote.
Network of local agents throughout North Carolina
Below-average number of complaints on the National Association of Insurance Commissioners (NAIC) index
Highly rated mobile app
Accident forgiveness not available
Negative Trustpilot and Better Business Bureau (BBB) ratings
Payoff Protector limited to State Farm Bank auto loan customers
| User Reviews | 3.8 |
|---|---|
| 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. | 8.9 /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. | $64/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. | $88/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.2 | 2.9 |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Allstate is the largest auto insurer in North Carolina by market share, writing nearly 20% of all Tar Heel auto insurance policies. The insurer specifically designs its Ride for Hire rideshare endorsement to cover the gaps between your personal auto insurance policy and the TNC insurance policy.
You can access optional medical payments coverage and uninsured/underinsured motorist insurance. You can also get coverage for the gap between the TNC policy deductible and your personal policy deductible.
Quotes available online
Helpful tools and features available on mobile app
Many available additional coverage options
Higher-than-average number of complaints filed with the NAIC
Poor BBB customer ratings
Below-average J.D. Power claims satisfaction rating
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | $62/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. | $94/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive is among the cheapest insurers in North Carolina for full-coverage rideshare insurance, according to Insurify data. Adding a Progressive rideshare endorsement to your full-coverage personal auto insurance policy won’t just bridge the gaps left by Uber or Lyft’s policy. It can also help pay to repair your vehicle through collision and comprehensive coverage.
In addition, Progressive rideshare insurance reimburses the difference between the TNC deductible and your personal auto insurance deductible.
Many available discounts
Highly rated mobile app
Below-average number of complaints filed with the NAIC
Below-average J.D. Power claims satisfaction rating
No discounts for vehicle safety features
Poor BBB customer ratings
If you drive for Uber or Lyft in North Carolina, the answers to the following common rideshare insurance questions can help you find the right coverage for your needs.
In North Carolina, rideshare insurance is an optional endorsement that drivers with TNCs such as Uber or Lyft may add to their personal auto insurance policies. It helps bridge coverage gaps between the personal policy and the rideshare company’s policy.
Commercial auto insurance is a required stand-alone insurance policy for business owners who regularly use vehicles for work. This includes professional drivers or delivery services that maintain a fleet of vehicles.
No. North Carolina doesn’t require Uber or Lyft drivers to carry commercial auto insurance.
To add rideshare coverage, contact your current insurance company and ask if it offers a rideshare endorsement for personal auto insurance. It’s a good idea to get quotes from multiple insurers to find the best rates and coverage before you choose a policy.
North Carolina doesn’t require drivers to carry rideshare insurance, but the state does require a minimum level of liability insurance during Phase 2 and Phase 3 of a rideshare trip.
This means transportation network companies have a de facto requirement to provide that coverage to rideshare drivers. But rideshare insurance can help protect North Carolina drivers from coverage gaps the law leaves open.
Insurify data scientists analyzed more than 250 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
25 years teaching risk management and insurance course
Former commercial lines underwriter
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