

5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Property and casualty insurance specialist
4+ years creating insurance content
Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated December 2, 2022
Table of contents
Driving for a rideshare service like Uber or Lyft can be incredibly lucrative. But rideshare drivers have unique insurance needs. Your personal car insurance policy doesn’t provide adequate protection throughout every stage of the process, from accepting a ride and transporting a passenger, to dropping them off at their destination.
If you’re a current rideshare driver, or are thinking about driving for Uber or Lyft, it’s important to understand rideshare insurance and how it works. In this guide, we’ll highlight some of the best rideshare insurance companies, explain how to compare car insurance policies and answer some frequently asked questions about rideshare coverage.
Rideshare insurance costs anywhere from $148-$422 per month.
The top three companies we found for rideshare insurance are USAA, Mercury, and Allstate.
Uber and Lyft drivers must inform their insurer of their rideshare driving – if they don’t, they risk losing their insurance policy.
Rideshare insurance FAQs
How does rideshare insurance work?
You typically get insurance when you sign up to drive for Uber or Lyft, but it only covers you during certain phases of the trip. To fill the gaps, it’s a good idea to get separate rideshare auto insurance, through a standalone policy or an endorsement that you add to your personal car insurance policy.
Ultimately, having multiple types of rideshare car insurance will offer the best protection. Without adequate rideshare coverage, you are at risk during specific portions of the trip. If you were to get into an accident during a phase when you aren't covered, you would have to pay out-of-pocket.
What companies offer rideshare insurance?
Many insurance companies offer rideshare insurance. The most common type of rideshare coverage is an endorsement that you add to your existing auto insurance policy. However, you can also find some providers that offer standalone rideshare policies. Here are some insurance companies that sell rideshare coverage:
USAA
Mercury
Progressive
Allstate
State Farm
Liberty Mutual
American Family
ERIE
Farmers
Every rideshare insurance company is different, so it’s important to compare a few providers using your personal criteria. You should also get several quotes to see which company can offer you the best rate.
Do you need to buy rideshare insurance?
In most cases, you are required to purchase rideshare insurance. If you drive for a TNC and you don’t report it to your insurance company, you could end up getting dropped as a customer.
Uber and Lyft provide some insurance coverage when you sign up to drive, but it doesn’t cover you during every phase of a trip. Unless you purchase supplemental coverage, like a rideshare endorsement, it can leave you vulnerable and at risk during those windows when your TNC coverage is not in effect.
Will driving for Uber affect your car insurance?
Yes, driving for Uber will impact your car insurance premium. When you add rideshare coverage, your monthly premium goes up. However, the actual rate increase will depend on a variety of factors, like your age, driving record, credit score and the coverage limits you choose.
To get cheap rideshare insurance, make sure you’re taking advantage of discounts. In addition, paying your premium in full, raising your deductible, lowering your coverage limits and improving your credit score may also lower your rate. You should always compare car insurance quotes to find the cheapest rideshare insurance premium for your situation.
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.
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Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.

Property and casualty insurance specialist
4+ years creating insurance content
Tanveen manages Insurify's data insights, annual home and auto insurance reports, and media communications. She’s regularly featured in media interviews on insurance topics.
Featured in

10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in

7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.