Rideshare Insurance in Texas (2025)
Texas doesn’t require specific rideshare insurance, but you’ll need additional liability coverage if you drive for a ridesharing service.
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Written byAly J. Yale
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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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
Using your vehicle to provide ridesharing services through Uber or Lyft can help you earn income, but it also poses unique insurance risks. A standard personal auto insurance policy won’t cover you when providing ridesharing services, which could put you on the hook for damages if you cause an accident.[1]
Texas doesn’t outright require specific rideshare insurance coverage. But you’ll need to carry higher amounts of liability insurance and other coverages when driving for a ridesharing company. The exact amount of car insurance coverage you’ll need depends on which phase of ridesharing you’re in at any given time.
Quick Facts
If you drive for a ridesharing service, it’ll often provide some level of insurance coverage on your behalf.
What step of the ridesharing process you’re in during an accident influences how much insurance you’ll need.[2]
You may want to consider additional coverage for added protection, but not all insurers offer rideshare insurance.
Cost of rideshare insurance in Texas
You can typically add specific rideshare coverage to your personal car insurance policy. The exact price depends on how much coverage you get, the company you choose, and other factors. But you’ll generally pay between $14 and $168 more per month, in addition to your typical premium.
Here’s a look at the most affordable car insurance companies that offer rideshare insurance in Texas.
Insurance Company ▲▼ | Average Monthly Quote (Full Coverage + Rideshare) ▲▼ | Average Monthly Quote (Liability Coverage + Rideshare) ▲▼ |
|---|---|---|
| State Farm | $87 | $51 |
| GEICO | $96 | $56 |
| Allstate | $123 | $72 |
| Mile Auto | $154 | $74 |
| USAA | $156 | $92 |
| Mercury | $194 | $116 |
| Clearcover | $194 | $154 |
| Hugo | $197 | $78 |
| Nationwide | $224 | $115 |
| Safeco | $235 | $115 |
| Progressive | $235 | $134 |
| Midvale Home & Auto | $245 | $134 |
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.
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Best rideshare insurance companies in Texas
The above companies are the best ridesharing options in terms of average premiums. But it’s important to consider other factors beyond price when choosing an insurer, like customer satisfaction, discounts, and deductible options.
Here are a few of Insurify’s top picks for rideshare insurance in Texas.
State Farm: Best for customer satisfaction
| 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. | $39/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. | $72/mo |
4.2
Best choiceBased on 9,550 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 (5,258)
Cheryl
February 19, 2025
Verified Review
Average
Way too expensive.
Lisa
February 18, 2025
Verified Review
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
Mikla
February 18, 2025
Verified Review
Mikla & Sam's Quote
I really liked them. The customer service was great, and the price started off well, but it has now increased exponentially.
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
State Farm has the lowest premiums in Texas for rideshare coverage. It also scored above average in J.D. Power’s annual auto insurance study for customer satisfaction, outperforming other major names like GEICO, Allstate, Nationwide, and Farmers. Nationally, it also ranks above average in claims satisfaction.
Pros
Lowest average rideshare premiums in Texas
Highly rated for customer satisfaction
Lots of potential discounts
Cons
Low Better Business Bureau (BBB) rating
Safe driver program not available in all 50 states
Gap insurance not available (only “payoff protector” if you finance your car with State Farm)
GEICO: Best for discounts
| 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. | $42/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. | $78/mo |
4.0
Best choiceBased on 10,691 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 (5,882)
Mitchell
February 19, 2025
Verified Review
Geico Review
I have been with Geico for many years and am disappointed with their prices.
Godfrey
February 19, 2025
Verified Review
Very Expensive
Very expensive.
Brandon
February 18, 2025
Verified Review
Poor Theft Coverage
What's the point of having theft coverage if you still have to pay for all the damages caused and any towing fees or impound charges?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843NAIC 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 more than a dozen potential discounts, with some providing as much as 25% off your premium. The company has discounts for safe driving and safety devices, using your seat belt, getting good grades, taking a defensive driving course, and having multiple cars on the same policy.
Pros
Low premiums
Many available discounts
Lots of customer service options
Cons
Below-average J.D. Power claims satisfaction rating
Gap insurance not available
Low BBB customer review rating
Progressive: Best for reducing your deductible
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 831 |
|---|---|
| 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. | 8.4 /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. | $101/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. | $176/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,051)
Dean
February 18, 2025
Verified Review
Exorbitantly High Premiums
All these insurance companies claim to offer lower rates by hundreds, but in reality, they charge twice as much. They advertise that you can get liability and full coverage for as little as $38.00 per month, which is misleading. They even claim that a customer who was paying $147.00 now pays $38.00 per month for the same insurance. It's exhausting dealing with agents who are more interested in their commission than providing a fair service. I wonder if it's possible to buy insurance directly from a company, bypassing the agents.
Gil
February 18, 2025
Verified Review
Seeking Better Rates for My Two Vehicles
I don't have anything negative to say as I haven't filed a claim or been in an accident to see how the process works. I've been with them for 6 years and prior to that, I was with State Farm, again with no claims. That's why I'm shopping around for better prices. My rates haven't dropped even though I continue to drive safely with no accidents, claims, or DUIs.
Cynthia
February 18, 2025
Verified Review
Bad
Bad. I wasn't informed about how the snapshot worked. I hadn't been driving because I had just started taking insulin while pregnant and was experiencing dizzy spells. I was traveling with a friend (not in my car). Apparently, if you aren't driving, you need to inform Progressive. They mentioned it would be on the app, but there wasn't even an option to state that I wasn't driving. This led to an increase in my insurance by approximately $300 a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
831NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.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
Though Uber and Lyft have coverage to protect you at certain points in your ridesharing, you’ll still need to pay the ridesharing company’s deductible before coverage kicks in. With Progressive rideshare coverage, the insurer can reimburse you for the difference between the rideshare deductible and your personal deductible. For example, if Uber has a $1,000 deductible and your deductible is $500, Progressive will pay you the $500 difference.
Pros
Deductible reimbursement helps cover the deductible of the rideshare company’s policy
Many available discounts
A+ (Superior) financial strength rating from AM Best
Cons
Below-average J.D. Power customer rating in Texas
Below-average J.D. Power claims satisfaction rating
Low BBB customer review rating
Rideshare insurance requirements in Texas
Texas doesn’t require ridesharing insurance coverage specifically, but it does have different levels of coverage requirements depending on where you are in the ridesharing process. This means that if you’re a rideshare driver and are in an accident, the insurance you need to cover the damage will depend on which phase of the drive you’re in at the time.
Here’s how those coverage requirements break down:
Phase 1: This phase occurs when you’re driving your vehicle for personal use and the ridesharing app is turned off. In this phase, your personal coverage is sufficient protection. You’ll simply need the Texas minimum insurance coverage ($30,000 in bodily injury liability per person and $60,000 per accident, plus $25,000 in property damage liability).
Phase 2: This phase is when you’re driving your vehicle with the ridesharing app turned on but haven’t received a ride request yet. During this phase, you’ll need at least $50,000 in bodily injury liability per person ($100,000 per accident) and the same $25,000 in property damage liability.
Phase 3: Once you have a ride request and are actively driving to pick up a passenger or transporting them to their destination, you’re in Phase 3. In this phase, you’ll need at least $1 million in bodily injury and property damage liability coverage.
Rideshare companies Uber and Lyft provide additional insurance coverage for Phases 2 and 3, but it still may not be enough coverage if you get in an accident. For example, this insurance may not cover accidents with uninsured drivers. You also may have to cover a high deductible before the company’s coverage will kick in.
To ensure you’re not on the hook for big bills if you’re in a wreck, it’s a good idea to purchase separate ridesharing insurance.
Requirements to drive for Uber and Lyft in Texas
Driving for Uber and Lyft can be a lucrative way to make money. But this side hustle isn’t necessarily a good fit for everyone. To qualify to drive for these services in Texas, you’ll need to meet the following requirements.
Rideshare car requirements
For Uber
Must have four doors
Must be 16 years old or newer
Must be in good condition with no cosmetic issues
Must have no commercial branding
For Lyft
Must be made in 2010 or later
Must have four doors
Must have five to eight seats, including the driver’s
Must not be a taxi, stretch limousine, or non-Express Drive rental vehicle
Must not be titled as salvage, non-repairable, rebuilt, or any other equivalent classification
Rideshare driver requirements
For Uber
At least one year of driving experience (three years if younger than 25)
Valid driver’s license
Proof of residency and insurance
Driver profile photo
Pass driver screening, which includes a criminal history and driving record check
For Lyft
Valid driver’s license
Must be 25 or older
Pass driver screening, which includes a criminal history and driving record check
Must have a smartphone that can run the Lyft Driver app
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Types of rideshare insurance coverage
Rideshare insurance coverage varies by insurer, but generally speaking, it can include the following:[3]
Liability coverage
Liability insurance protects against bodily injuries or property damage you cause in an accident while driving for a ridesharing service.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident with an uninsured driver or one who doesn’t carry enough insurance to cover the full extent of damages.
Collision and comprehensive coverage
These coverages pay to repair your car if you’re in an accident while ridesharing or if something else damages your car, like fire or hail.
Medical payments coverage
Some policies include medical payments coverage or personal injury protection (PIP) coverage, which helps with the costs of medical expenses if someone is hurt while you’re behind the wheel.
Deductible options
Some companies also offer deductible reimbursement. This pays you back the difference between your personal policy’s deductible and the deductible on the ridesharing company’s policy.
You may also be able to get coverage for things like roadside assistance, trip interruption, or rental car reimbursement under these policies.
Texas rideshare insurance FAQs
If you need more information on rideshare insurance, check out the additional information below.
Do you need rideshare insurance in Texas?
Separate rideshare insurance isn’t required in Texas, but you do need additional liability coverage if you drive for a ridesharing service. The amount you need varies by what phase of ridesharing you’re in and goes up to $1 million when actively transporting a passenger.
Does DoorDash count as rideshare for insurance?
DoorDash and other food delivery services can possibly count as ridesharing, but it depends on the insurance company. At Progressive, for example, rideshare insurance typically applies to delivery services, too. At State Farm, you might need to add business-use coverage to your policy. Ask your insurer what your policy covers.
Do Uber drivers in Texas have to carry commercial auto insurance?
Texas doesn’t require commercial auto insurance to drive for Uber, but you’ll need additional limits of liability coverage. You need commercial insurance only if you also use your vehicle for license-for-hire transport or as a black car, limousine, livery vehicle, or taxi.
Do you really need rideshare insurance if you have personal auto insurance?
Yes. Under Texas law, you need additional liability insurance to drive for a ridesharing service. Companies like Uber and Lyft offer this coverage directly. But you may still want additional ridesharing coverage to help pay for deductibles and other costs.
What happens if you get into an accident while ridesharing without insurance?
If you’re in an accident while driving for a ridesharing service, you have several options. The liability insurance of the other driver could cover damages if you’re not at fault. Or the insurance provided by the ridesharing service you work for could help — though it depends on what stage of ridesharing you’re in at the time of the accident.
How does a rideshare insurance claim work?
The process for filing a rideshare insurance claim varies. But generally, you’ll start by reporting the accident to the ridesharing company. If the insurance it provides doesn’t cover the damage, your personal policy or any additional rideshare insurance coverage you’ve purchased may help. In this case, you’d need to file a claim with your personal insurance company.
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.
Related articles
More cities in Texas
Sources
- Insurance Information Institute. "Ride-sharing and insurance: Q&A."
- Texas Constitution and Statutes. "Insurance Code."
- Insurance Information Institute. "Auto Insurance Basics."
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Aly J. Yale
Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Aly 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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