Rideshare Insurance in Pennsylvania (2025)
Pennsylvania requires specific insurance coverage for rideshare drivers. Find out what you need and where to get it.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Table of contents
Pennsylvania requires rideshare insurance if you drive for a transportation network company, like Uber or Lyft. This specialized coverage is designed to bridge the gap between your personal policy and what Uber or Lyft provides. It protects you throughout all phases of rideshare driving, from waiting for a ride request to dropping off passengers.
Here’s what you need to know about getting the right car insurance coverage in the Keystone State.[1]
Quick Facts
Your personal auto policy won’t cover you once your rideshare app is on.
Erie ranks highest for customer satisfaction among Pennsylvania rideshare insurers.
Adding rideshare coverage can increase your premium by 15%–20%.
Cost of rideshare insurance in Pennsylvania
On average, rideshare insurance in Pennsylvania runs about $239 per month for full coverage and $128 for liability-only coverage. But your rates can vary depending on where you live, your driving history, and the level of coverage you choose. Some drivers in Philadelphia might pay more than drivers in Pittsburgh or smaller cities due to higher accident rates and traffic density.[2]
Here are the most affordable rideshare insurance options in Pennsylvania, according to Insurify data.
Insurance Company  | Average Monthly Quote |
|---|---|
| Mile Auto | $84 |
| State Farm | $99 |
| Erie | $115 |
| Auto-Owners | $124 |
| Safeco | $145 |
| Plymouth Rock | $159 |
| Travelers | $150 |
| GEICO | $154 |
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 Pennsylvania
Full-coverage policies average $239 per month
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Best rideshare insurance companies in Pennsylvania
While it’s tempting to go for the lowest premium, choosing the best rideshare insurance in Pennsylvania means looking beyond just price. Coverage quality can make all the difference when you’re on the road.
State Farm: Best for customer service and claims
| 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. | $51/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. | $107/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.
851NAIC 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
With top-notch claims handling and customer service, State Farm stands out in Pennsylvania. You’ll find agents ready to help throughout eastern and western Pennsylvania, from Abington to Zelienople. Adding a rideshare endorsement to your policy can increase your premiums by about 15%–20%, but it protects you for all driving phases.
Pros
Above-average J.D. Power customer and claims satisfaction ratings
AM Best financial strength rating of A++ (Superior)
Affordable rates for rideshare drivers
Cons
Must work with a local agent to make policy changes
No specific discounts for rideshare drivers
Gap insurance not available
Erie Insurance: Best for local expertise
| 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. | 9.0 /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. | $59/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. | $124/mo |
4.0
Best choiceBased on 293 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (156)
Harold
March 21, 2025
Verified Review
Erie Works For Me!
I have a good relationship with them!
Helen
March 21, 2025
Verified Review
Excellent
Erie excels in all aspects of their service and coverage.
Donna
March 20, 2025
Verified Review
Brokers are not the way to go…find a company who values your needs
I’m not sure if it's Erie Insurance or the Insurance Company representing them that's the issue. At the insurance company, you seem to get bounced around with no knowledge of what's going on. They or Erie seem to feel they can make changes within your policies without your knowledge. Your premiums increase every year without a claim, but when your bill goes up 38 3/4% ($600.00) without a claim, even though they have gone up steadily every year, it’s time to go. When you call in, they say it is beyond their control and blame it on everyone else. Then instead of trying to help you, they try to sell you more! When you tell them that will make your premium higher, then they want you to up your deductible to lower your bill. When you tell them you only want to insure your home for what it's worth, they insist they have to insure it for what it would cost to replace it. I’m not replacing it! You never hear from them until you get your next year's bill in the mail and are expected to just pay it. When I first got my policies, I was told I was being directed to an agent that could help me. I thought this was my agent! I found out 8 years later that this person was just in customer service who set up my policies! I could have done that myself online! When I asked who was my agent, I had never met or heard her name before. My premiums were paying someone’s paycheck that I never knew or heard of or more importantly never met or knew me. An agent is supposed to have an interest in a client and work in their best interest (this obviously is not the case). Is this why so many things are written into policies that do not even pertain to or are needed by some clients? We end up paying for things in policies that do not even involve us! When I was tossed to the owner's son because I wasn’t happy with the rate increase, he was arrogant and the one trying to sell me more or increase my deductibles which still would not bring the price down to where it needed to be. So they lost that policy completely. Insurance is meant to be for comfort knowing you have it in case of a fire or disaster. Not for a claim because you had a shingle blow off your roof. Hire someone & get it fixed! You never hear from them until you get your next year's bills in the mail and are expected to just pay it. Insurance is out of control! You should be able to get a policy written for exactly what you want and need. I don’t want to buy a package with a bunch of things in it that I don’t want or need because it has one thing in it that I want and they say it is the only way it is sold. Get people in the insurance business who are willing to work for the clients in order to get them exactly what their needs are. Yes, I am finding lower premiums on auto insurance as well (which they told me recently I would not be able to do).
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.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
Pennsylvania-based Erie has a large network of insurance agents that can deliver personalized service for rideshare drivers. As a regional insurer, Erie knows the ins and outs of the state’s urban and suburban markets, from high-demand events like Eagles games or Penn State move-in weeks to surge pricing during winter storms.
Pros
Ranked among the top three insurers by J.D. Power for claims satisfaction
Rate Lock program prevents premium increases
90% of drivers stick with Erie year after year
Cons
Offers fewer ways to save than competitors
Limited digital tools compared to larger insurers
May not be available if you move out of state
GEICO: Best for tech-savvy 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. | 9.0 /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. | $79/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 |
4.0
Best choiceBased on 11,167 verified guest reviews and ratings
How drivers feel about GEICO
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,117)
Alan
March 23, 2025
Verified Review
Great Auto Insurance Company
They provide excellent service on anything you call about. I highly recommend them as they are cheaper than Progressive.
David
March 23, 2025
Verified Review
Great
I've only been with them for a short time. So far, everything has been great.
Donald
March 23, 2025
Verified Review
Excellent coverage and value with GEICO
I have been with GEICO for years. I have considered switching to other insurance companies that claim to be less expensive. However, when I factor in all the coverage that we have, the cost with other companies always turns out to be higher than GEICO.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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
GEICO offers an app that puts everything at your fingertips — from digital insurance ID cards to claims tracking. But GEICO doesn’t have any information online about its rideshare insurance — you’ll need to call to get details about coverage and rates. This old-school approach to rideshare insurance is surprising for a company that leads the industry in digital tools.
Pros
Top-rated mobile app for policy management
Digital tools include CARFAX integration for maintenance tracking
Many available discounts
Cons
Lower J.D. Power rating for claims handling than competitors
Higher monthly premium than some competitors
Limited in-person support options
Rideshare insurance requirements in Pennsylvania
Pennsylvania requires drivers to have certain insurance coverage in place before driving for a transportation network company, like Uber or Lyft. Your insurance needs shift throughout your day, depending on which of the three distinct phases you’re in when a car accident occurs.[3]
Phase 1: Personal driving (app off). Your personal auto insurance covers you while off the clock.
Phase 2: App on, no ride accepted. State law requires you to beef up your coverage, even before you accept a ride. You’ll need:
$50,000 bodily injury per person
$100,000 bodily injury per accident
$25,000 property damage liability
$25,000 pedestrian medical coverage
$5,000 driver medical coverage
During this phase, Uber and Lyft provide matching backup coverage for bodily injury and property damage liability. Still, it may only kick in after you file a claim with your auto insurance company.
Phase 3: After accepting a ride. At this phase, coverage requirements jump to $500,000 in bodily injury liability protection. Uber and Lyft each offer $1 million in liability coverage, plus comprehensive and collision coverage if you have it on your personal insurance policy.
Requirements to drive for Uber and Lyft in Pennsylvania
Before hitting the road as a rideshare driver in Pennsylvania, Uber and Lyft have specific requirements for you and your car.
Rideshare car requirements
Uber and Lyft have strict rideshare vehicle standards. A four-door car (2009 or newer), valid registration, seat belts, and insurance proof are must-haves. Your vehicle must also have:
Valid Pennsylvania registration
5–8 seats with working seat belts
Current proof of insurance
Good to Know
Each company has additional requirements. Uber vehicles must be in good condition with no cosmetic damage or commercial branding. Lyft doesn’t allow vehicles with more than 350,000 miles and requires a current inspection sticker.
Rideshare driver requirements
You’ll need at least one year of driving experience, a valid driver’s license, and to pass a driver screening review. But Uber and Lyft have different age restrictions — Lyft drivers must be 25 years or older, while Uber generally sets the minimum age to 18 (but you’ll need three years of driving experience if you’re younger than 23).
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Types of rideshare insurance coverage
As a rideshare driver, it’s important to understand each type of coverage and how it protects you. Here’s a breakdown:
Liability coverage
Liability insurance protects you if you’re at fault in an accident, covering the other driver’s medical expenses or property damage.
Uninsured/uninsured motorist coverage
Uninsured/underinsured motorist coverage steps in if you’re hit by a driver with no insurance or minimal coverage.
Collision and comprehensive coverage
Part of a full-coverage policy, these cover your car, whether it’s an accident, theft, hail, or a tree branch falling. Collision insurance covers damage from accidents, while comprehensive insurance covers non-accident events.
Deductible options
Your deductible is what you pay before insurance kicks in. Higher deductibles mean lower monthly rates but can cost more out of pocket if there’s an accident.
Pennsylvania rideshare insurance FAQs
If you still have questions about rideshare insurance policies, you’re not alone. Check out the additional information about Pennsylvania rideshare insurance below.
Do you need rideshare insurance in Pennsylvania?
Yes. Pennsylvania state law requires all rideshare drivers to have insurance, with specific policy limits for each phase of rideshare driving. Your personal auto policy alone won’t meet the state’s requirements.
Do Uber drivers in Pennsylvania have to carry commercial auto insurance?
Pennsylvania doesn’t specifically require Uber drivers to have commercial auto insurance. Depending on your insurance company, you can add a rideshare endorsement to your personal policy instead of getting commercial coverage.
Do you really need rideshare insurance if you have personal auto insurance?
Yes. Personal auto insurance policies typically exclude any commercial use of your vehicle. Without rideshare insurance, you could face a coverage gap when your rideshare app is on but you haven’t yet accepted a ride.
What happens if you get into an accident while ridesharing without insurance?
You could be personally responsible for all damages and injuries if you’re in an accident while driving for a rideshare company without insurance. You may also face fines, and the state may suspend your driver’s license and vehicle registration.[4]
Does DoorDash count as rideshare for insurance?
No. DoorDash doesn’t fall under rideshare insurance requirements in Pennsylvania. But DoorDash rules state you must have auto insurance coverage. DoorDash provides some coverage, but it only applies after you file with your personal insurance.
How does a rideshare insurance claim work?
Filing a rideshare insurance claim depends on when the accident happens. If you’re using your car personally, you’ll work with your insurance company. Once you’re online in the app, both your rideshare coverage and Uber or Lyft’s insurance work together to cover damages.
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."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Pennsylvania General Assembly. "Insurance requirements."
- Pennsylvania Department of Transportation. "Insurance Law Overview and Frequently Asked Questions."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Edited bySarah Archambault
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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