Rideshare Insurance in Pennsylvania (2024)

Pennsylvania requires specific insurance coverage for rideshare drivers. Find out what you need and where to get it.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 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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Sarah Archambault
Sarah 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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Updated December 19, 2024

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Cheapest recent rates in Pennsylvania for rideshare drivers

Recent Pennsylvania car insurance prices for Ford, Hyundai, Jeep , and more.

*Quotes generated for Insurify users from Pennsylvania 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 Pennsylvania 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.

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

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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.
$110/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

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

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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

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
4.1
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.
9.0 /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.
$127/mo
4.1
Best choiceBased on 252 verified guest reviews and ratings
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

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

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (132)

Lacy

December 11, 2024

Verified Review

They were okay, I guess

They're okay, I guess. They wouldn't sell me full coverage because my car had just a couple of dents, but I still thought it looked good.

Bret

December 9, 2024

Verified Review

Average

Good, but just too expensive.

Sarah

November 27, 2024

Verified Review

Been with Eire for Approximately 12 Years, but Recent Increases are Just Too Much

My biggest and only complaint is that the rate increases are becoming more than I can handle.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
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

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.
$165/mo
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)

Dianna

December 19, 2024

Verified Review

Roadside Assistance

When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.

Alan

December 18, 2024

Verified Review

Satisfied but too expensive

My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.

Samol

December 18, 2024

Verified Review

Geico is Good Insurance

It's excellent, but after a few accidents, the rates are creeping upwards.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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

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

  • 58 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:

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

    Liability coverage

    Liability insurance protects you if you’re at fault in an accident, covering the other driver’s medical expenses or property damage.

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

    Uninsured/uninsured motorist coverage

    Uninsured/underinsured motorist coverage steps in if you’re hit by a driver with no insurance or minimal coverage.

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

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/354dc33bc8/banking-96x96-green_017-coins.svg

    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
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. Insurance Information Institute. "Ride-sharing and insurance: Q&A."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Pennsylvania General Assembly. "Insurance requirements."
  4. Pennsylvania Department of Transportation. "Insurance Law Overview and Frequently Asked Questions."
Amy Beardsley
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.

Sarah Archambault
Sarah 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.

Featured in

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