120+ more*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on August 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Texas within the last 10 days. Last updated on August 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6 years experience in personal finance writing
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Updated
If you drive for a rideshare company like Uber or Lyft, it’s important to have the right kind of coverage. Even though Texas doesn’t require rideshare drivers to buy additional coverage, going without a rideshare endorsement opens you up to coverage gaps.
Your personal auto insurance policy excludes coverage the minute you turn on the app. Having a separate rideshare endorsement closes that coverage gap and ensures you have the financial protection you need.
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Texas rideshare drivers legally only need to meet the state’s minimum 30/60/25 liability insurance requirements.[1] But your personal auto policy won’t cover you when you have the rideshare app on unless you have a rideshare endorsement.
Texas requires transportation network companies (TNCs) like Uber and Lyft to insure drivers and their vehicles during on-app periods, but the liability coverage is limited when drivers are waiting for a ride request.[2]
It’s a good idea to buy a full-coverage policy with a rideshare endorsement to cover you during app-on periods where you’d otherwise have gaps. Without it, your insurer could deny your claim if you’re logged into the app and have an accident before picking up a passenger.
As a rideshare driver, the type of insurance covering you and your vehicle depends on what phase of the trip you’re in. Here’s what you need to know about the different phases of rideshare driving, including what coverage applies during each step of your trip.
Phase | Activity | Rideshare App Status | Personal Car Insurance Policy Applies? | Required TNC Coverage | Personal Rideshare Coverage Applies? |
|---|---|---|---|---|---|
| 0 | Using the vehicle for personal use | Off | Yes | None | No |
| 1 | Waiting for a ride request | On | No, not without a rideshare endorsement | $50,000 per person and $100,000 per accident in bodily injury liability protection; $25,000 in property damage liability | Yes |
| 2 | Ride accepted, en route to pick up a passenger | On | No, not without a rideshare endorsement | Up to $1 million in third-party liability coverage | Yes |
| 3 | Passenger in the vehicle, heading to drop-off | On | No, not without a rideshare endorsement | Up to $1 million in third-party liability coverage | Yes |
Texas drivers pay an average of $179 per month for rideshare insurance, which is higher than the national average of $162. The average cost of car insurance in Texas for rideshare drivers is $124 per month for liability coverage and $233 for full coverage.
These increased costs could be partly due to the state’s history of severe weather, including droughts, flooding, severe storms, and tropical cyclones. From 1980 to 2024, Texas saw nearly 200 weather events that cost more than $1 billion each.[3]
State Farm is the cheapest overall insurer for rideshare coverage in Texas, but drivers in the state have several affordable companies to consider.
The following table shows the cheapest companies for full-coverage rideshare insurance in Texas.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $96 | $50 |
| Progressive | $132 | $72 |
| Allstate | $136 | $69 |
| Mercury | $157 | $98 |
| Mile Auto | $162 | $72 |
| GEICO | $165 | $78 |
| USAA | $172 | $88 |
| Root | $189 | $114 |
| Safeco | $190 | $129 |
| Clearcover | $198 | $113 |
| Alinsco | $201 | $103 |
| Direct Auto | $201 | $128 |
| GAINSCO | $207 | $108 |
| Elephant | $209 | $135 |
| AssuranceAmerica | $217 | $119 |
| Bristol West | $218 | $113 |
| National General | $220 | $132 |
| The General | $226 | $102 |
| Mendota | $234 | $120 |
| Commonwealth Casualty | $238 | $109 |
| First Acceptance | $240 | $98 |
| Lone Star | $248 | $106 |
| Loop | $249 | $134 |
| Sun Coast | $251 | $124 |
| Covercube | $259 | $113 |
| Dairyland | $274 | $117 |
| Chubb | $293 | $149 |
| Liberty Mutual | $306 | $209 |
| Trexis One | $323 | $155 |
| 21st Century | $337 | $172 |
Many different insurance companies offer rideshare coverage in Texas, and the best choice depends on your coverage needs.
You can learn more about three of the best car insurance companies in Texas for rideshare insurance below. Each insurer stands out for affordable average rates, available discounts, and quality customer service.
| 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. | $61/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. | $120/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 | 3.3 | 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’s Ride for Hire coverage protects your vehicle while you’re waiting for a ride request. It can also offer additional protection after you’ve picked up a passenger if it extends beyond your TNC’s required coverage. Depending on the type of rideshare policy you buy from Allstate, it can include comprehensive coverage, collision coverage, liability insurance, and uninsured motorist coverage.
Affordable monthly rates in Texas
Offers deductible gap coverage
Offers customizable protection
High-risk driving could increase your rates
Below-average J.D. Power satisfaction rating in Texas
Poor Trustpilot rating
| 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. | $44/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. | $85/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’s rideshare policy supplements what Uber and Lyft offer and protects you while you’re waiting for matches with passengers. The company consistently earns high ratings for customer service and has a wide network of local insurance agents across Texas you can work with.
Many local agents in Texas
Above-average J.D. Power satisfaction rating in Texas
24/7 claims service
Gap insurance not available
Costs may be higher for high-risk drivers
Can’t fully purchase an auto policy online
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 616 |
|---|---|
| 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. | $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. | $117/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive’s rideshare coverage extends your personal auto policy while you’re driving for Uber or Lyft. It also offers coverage for meal-delivery drivers for platforms like Uber Eats and DoorDash. Progressive provides competitive pricing and flexible coverage options.
Competitive monthly rates
Also covers meal-delivery service drivers
Offers deductible reimbursement
Below-average J.D. Power satisfaction rating in Texas
Low Trustpilot rating
Some customers complain about premium hikes
Buying rideshare insurance may not be a legal requirement in Texas, but it provides important protection from coverage gaps.
Rideshare coverage is an additional coverage you add on to your personal car insurance to bridge any coverage gaps while you’re driving for Uber or Lyft. Commercial insurance is a policy for business operations, like delivery fleets.
Texas rideshare drivers pay an average monthly rate of $124 for liability coverage and $233 for full coverage. But your rate will ultimately vary depending on your driving history, ZIP code, and deductible.
No. Texas doesn’t legally require you to purchase rideshare insurance, but it’s still a good idea. A rideshare endorsement will fill in any coverage gaps while you’re logged into the app and waiting for a ride request. Texas rideshare drivers only legally need to meet the state’s minimum liability insurance requirements.
Allstate, State Farm, and Progressive are some of the best insurers for Texas rideshare drivers. It’s important to compare quotes to find the best price and coverage for your situation.
Yes. Most insurers require you to disclose that you offer rideshare services. If you don’t disclose it, and you’re involved in an accident, your insurer will likely deny your claim and could even cancel your policy.
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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6 years experience in personal finance writing
Featured on Credit Karma and Insider
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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