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Rideshare Insurance in Pennsylvania

Ridesharing is a great way to make extra income. Two popular rideshare services are Uber and Lyft. However, suppose you choose to work for Uber or Lyft. You should know that these companies only provide limited liability insurance for your new vehicle or used car, with full coverage applying once you turn on the app.

Adding rideshare insurance to your auto policy or purchasing a commercial policy adds extra protection to make sure you are adequately protected with no gaps. Whether you own a new car or you have a used vehicle, you can use Insurify to find the best insurance quote for insurers offering Pennsylvania rideshare coverage.

See More: Compare Car Insurance

Rideshare Insurance Companies in Pennsylvania

How much is rideshare insurance in Pennsylvania?

The average cost for car insurance with a rideshare endorsement in Pennsylvania is $195 per month with the cheapest options starting at just over $40 per month. It’s important to keep in mind, though, that what you pay for car insurance will be determined by your driving record, your vehicle, and other factors in your unique driving profile.

While your insurance policy covers you at most times, your personal auto insurance policy typically will not provide adequate liability insurance coverage to protect you if you are involved in a car accident while providing rideshare services.

To help you get started in your search for affordable rideshare insurance, you can use this table to find average rideshare insurance rates from popular insurance companies in Pennsylvania. The average cost across all companies in Pennsylvania is $195 per month.

Car Insurance CompanyMonthly Cost for Rideshare Insurance
Bristol West$59
The General$65
National General$68
Liberty Mutual$86
Plymouth Rock$115
Direct Auto$184
Midvale Home & Auto$464
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.

See More: Cheap Car Insurance in Pennsylvania

How Rideshare Insurance Works

Rideshare companies (often referred to as a transportation network company or TNC) like Uber and Lyft may provide some coverage for their drivers while they use their personal vehicles. But that coverage may not be enough to protect you if your car is involved in an accident.

Adding additional rideshare insurance is a way to fill in the coverage gap for your personal auto policy, especially since the insurance company only pays out the car’s actual cash value (ACV) if your vehicle is a total loss after a collision.

According to the National Association of Insurance Commissioners (NAIC), there are three periods in the ridesharing operation.

  • Period 1: This is the beginning of the process while you have your app on and are waiting for a ride request.

  • Period 2: Period 2 begins when you accept a ride request, but no passengers are yet in your vehicle.

  • Period 3: This is the last phase of the rideshare transaction when passengers enter your vehicle.

Rideshare companies require their drivers to have car insurance coverage meeting their state’s minimum liability insurance requirements before gaining access to their rideshare app. When buying a new vehicle, make sure to add liability coverage before you leave the dealership. Uber and Lyft do not provide any insurance coverage while your app is off.

When your rideshare app is on and you are awaiting a ride request, the company provides third-party liability coverage. However, if your app is off and you’re using your vehicle for personal use, your personal auto insurance coverage applies.

The third-party liability limits that Uber and Lyft provide are:

  • $50,000 per person for bodily injury

  • $100,000 per accident for bodily injury

  • $25,000 per accident for property damage

Uber’s and Lyft's coverages only kick in after your personal insurance policy has paid its part of the claim. The rideshare company's coverage pays any excess in a third-party liability claim that your car insurance policy doesn't pay.

See More: Best Companies for Rideshare Insurance

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Pennsylvania Laws on Rideshare Insurance Requirements

Pennsylvania is a “choice no-fault” insurance state, meaning that it is your choice whether you choose an at-fault or no-fault policy to cover personal injuries after an accident.

Pennsylvania law requires rideshare drivers to maintain liability insurance on their vehicles.

Pennsylvania laws on rideshare insurance requirements include:

  • The rideshare company must provide primary automobile insurance that recognizes the driver as a company driver that uses a vehicle to transport passengers for pay.

  • The rideshare company must provide automobile liability insurance of at least $50,000 for death and bodily injury, $100,000 for death and bodily injury per incident, and $25,000 per incident for property damage while the driver is logged into the rideshare app but is not engaged in a prearranged ride.

  • While engaged in a prearranged ride, there must be primary auto liability insurance of at least $500,000 for death, bodily injury, property damage, and first-party medical benefits of $25,000 for passengers and pedestrians and $5,000 for the driver.

  • The insurance requirements may be satisfied by either auto insurance maintained by the rideshare driver or the rideshare company.

Regardless of state insurance law, your insurance provider will not provide any insurance coverage if you don’t report rideshare activities. Note that these requirements might be different if you drive for a delivery service like Doordash or Postmates.

See More: Cheap Car Insurance in Pennsylvania

Pennsylvania Requirements for Rideshare Drivers

Uber and Lyft have a set of qualifications before you are approved as a rideshare driver. You must:

  • Meet minimum age requirements for drivers in your city

  • Have no less than one year of licensed driving experience in the U.S. or three years for drivers under 25

  • Hold a valid U.S. driver’s license

In addition to providing a valid U.S. driver’s license, you must provide the following documentation:

  • Proof of residency for your city, state, or province

  • Proof of car insurance

  • A driver’s profile photo that is forward-facing, in focus, centered, and well lit with only a picture of the driver in the frame

Once you meet the requirements and provide the needed documentation, you will have to undergo an online screening that reviews your driving record and criminal history before you are approved as an Uber or Lyft driver.

In addition to the requirements listed above, there are also vehicle requirements that vary by city. For example, Lyft has these vehicle requirements for drivers in Philadelphia:

  • Vehicle model must be 2006 or newer

  • Must have four doors

  • 5 to 8 seats, including the driver's seat

  • Have a valid license plate

  • Not a taxi, a limo, or another for-hire vehicle

  • No black cars

Filing a Claim After an Accident As a Rideshare Driver in Pennsylvania

If you are involved in an accident as an Uber or Lyft driver, first call 911 for any emergencies. You will also need to file a claim both with the rideshare service and with your insurance company.

After ensuring everyone is safe, here are the steps to take in reporting a rideshare claim:

  • Assess the damage to your vehicle and take pictures if possible.

  • Gather the other driver’s insurance information.

  • Contact your insurance company.

  • File a claim with your rideshare service.

  • File a claim with your personal auto insurer.

  • File a police report.

Once you’ve filed a police report and reported the claim to the rideshare company and your auto insurance provider, await instructions from the claims adjuster to inspect the vehicle, and provide any documentation either the rideshare company, the insurance company, or the claims adjuster requests.

Find Cheap Rideshare Insurance in Minutes

Without the proper coverage, an accident can be costly. After a covered claim, your personal auto policy will pay off your auto loan to your lender, but only if you have purchased the required rideshare insurance.

The good news is that Insurify makes it easy to get a quote from top insurers with affordable rates. You can compare rideshare insurance options in your state side by side to help you save money while finding the most comprehensive rideshare insurance coverage.

Frequently Asked Questions

  • Do you need rideshare insurance in Pennsylvania?

    Yes, you should contact your auto insurance company once you begin offering rideshare services or if you drive a vehicle for business use. If you do not, your insurer may cancel your policy or non-renew it. Your insurance provider will let you know if it offers rideshare coverage in your state and how to go about adding it to your personal car insurance policy.

    You can also check into adding uninsured or underinsured motorist coverage to protect you if the other party has no insurance or is not adequately insured.

  • How much does rideshare insurance cost in Pennsylvania?

    Rideshare insurance policies in Pennsylvania cost $195 per month on average. If that rate sounds too expensive for you, you can use Insurify to get the best quotes. Using Insurify to compare car insurance prices is super easy, and best of all, it only takes a few minutes.

  • Which insurance companies in Pennsylvania provide rideshare insurance?

    Many top Pennsylvania car insurance companies provide rideshare insurance for Lyft and Uber drivers, including GEICO, State Farm, Progressive, and other providers. Use Insurify's auto insurance comparison tool to find the best price on rideshare insurance.

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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Janet Hunt
Janet HuntInsurance Writer

Janet Hunt received her B.S. in Business Administration with the University of Phoenix. She has worked in the insurance industry for over 20 years. Janet likes to spend her spare time coming up with gourmet recipes and trying them out on her guests. So far, all have survived.