Rideshare Insurance: What It Covers and When You Need It
If you drive for Uber, Lyft, or another transportation network company, you need to buy rideshare car insurance.
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Written byDoug Bailey
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Doug BaileySenior Content Writer
Doug Bailey is a senior content writer at Insurify. Doug is an experienced business writer having worked more than a decade as a reporter and business editor at the Boston Globe, covering financial services and the insurance industry. Most recently, Doug was a regular contributor to InsuranceNewsNet, a news and information service for the insurance and financial industry.
Doug is a native New Englander hailing from Maine and works in Insurify’s Cambridge office.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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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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Data reviewed byKonstantin Halachev
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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.
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Table of contents
More than 7 million people in the U.S. work in the rideshare and delivery businesses, formally called transportation network companies (TNCs). These companies include Uber, Lyft, DoorDash, Instacart, GrubHub, and more.
If you drive for one of them, or plan to, you should know that your standard personal auto insurance policy likely won’t cover you in every situation, exposing you to serious financial risks and coverage gaps. Fortunately, rideshare insurance can help close those gaps.
This article will show you what you need to know about rideshare insurance so you can protect yourself, your vehicle, and your income stream.
Quick Facts
The national average cost of rideshare insurance is $161 per month, according to Insurify data.
COUNTRY Financial, Auto-Owners, and NJM are the three cheapest insurers for rideshare coverage.
About 26% of drivers admit they don’t disclose rideshare activity to their insurer, according to an Insurify survey. This means their personal car insurance policy may be invalid if an accident occurs while they’re driving for a rideshare company.
What is rideshare insurance, and do you need it?
Rideshare driver insurance is a special type of car insurance for people who drive for TNCs such as Uber, Lyft, DoorDash, and Instacart. It fills the coverage gap between your personal auto policy and the rideshare company’s commercial policy.[1]
Your personal auto insurance covers you only when the rideshare app is off. Once you log in and start waiting for a fare, your risk profile changes — and your insurer might deny a claim if you’re driving for a rideshare company without proper coverage.
Rideshare driving typically falls into four periods:
The app is off, and you’re driving for personal use.
The app is on, and you’re waiting for a rider or delivery order.
You’ve accepted a ride.
The passenger or delivery items are in the vehicle.
Without a rideshare driver insurance endorsement, you could pay out of pocket for vehicle damage or medical expenses for injuries that occur while waiting for a rider — one of the most common accident windows.
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How rideshare driver insurance coverage works
Rideshare driver insurance works as a bridge between your personal auto policy and the limited commercial auto insurance coverage from rideshare companies.[2]
Here, you can see how and when your personal policy covers (or doesn’t cover) different phases of ridesharing.
Phase 1: Personal use, app off
Only your personal auto insurance applies. Standard coverages like liability, collision, and comprehensive protect you.
Phase 2: App on, waiting for a ride request
This is the riskiest phase. The rideshare company offers only limited liability here.
Your personal collision coverage usually won’t apply, meaning you could pay out of pocket for damage to your car. Uber and Lyft offer only limited liability coverage — typically $50,000 per person for bodily injury and $25,000 for property damage.[3]
Phase 3: Driving to pick up passenger
Once you accept a ride, the rideshare company’s full commercial auto insurance coverage kicks in as soon as you’re en route. This could be handy if you get in an accident in common pick-up areas, like an airport.
Phase 4: Driving the passenger in your car
Full comprehensive commercial auto insurance coverage applies, often with $1 million in liability protection. But deductibles can be as high as $2,500.
It’s important to verify whether your personal policy includes comprehensive and collision coverage and if they apply during rideshare periods. If not, you can add a rideshare endorsement or commercial auto insurance policy to ensure you have coverage in all four phases of driving.
Cost of rideshare insurance
Cost for rideshare insurance will vary by state, insurer, vehicle and driving history, but adding a rideshare endorsement will increase your premium.
The average cost of rideshare coverage is $161, according to Insurify data.
Cheapest rideshare insurance companies
As you begin your search for rideshare insurance, remember that it’s important to shop around, ask your insurance agent any questions you may have, and compare multiple quotes for the best insurance rates that fit your budget and needs.
The table below shows the 10 least expensive quotes for rideshare driver insurance, based on Insurify data.
The below national rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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.
Insurance Company  | Liability Only | Full Coverage |
|---|---|---|
| USAA | $62 | $118 |
| State Farm | $65 | $126 |
| Allstate | $88 | $167 |
| American Family | $96 | $179 |
| GEICO | $102 | $166 |
| Mercury | $113 | $189 |
| Nationwide | $113 | $214 |
| Travelers | $116 | $220 |
| Liberty Mutual | $179 | $245 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average rideshare insurance costs by state
Premiums and policy limits vary by state due to traffic density, accident rates, and local liability insurance regulations.
The following table shows the average total cost of rideshare insurance by state.
The below national rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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.
State | Average Monthly Quote |
|---|---|
| Wyoming | $45 |
| New Hampshire | $69 |
| Idaho | $75 |
| Iowa | $78 |
| North Dakota | $89 |
| West Virginia | $90 |
| Indiana | $92 |
| Tennessee | $98 |
| New Mexico | $99 |
| Alabama | $100 |
| Mississippi | $101 |
| Nebraska | $101 |
| North Carolina | $103 |
| Kansas | $106 |
| Montana | $108 |
| Alaska | $108 |
| Wisconsin | $110 |
| Vermont | $111 |
| Ohio | $112 |
| Oklahoma | $118 |
| Arkansas | $119 |
| Minnesota | $125 |
| Missouri | $137 |
| South Dakota | $145 |
| Maine | $150 |
| Washington D.C. | $151 |
| Illinois | $153 |
| Oregon | $160 |
| United States | $161 |
| Kentucky | $162 |
| Washington | $163 |
| Rhode Island | $166 |
| Louisiana | $166 |
| Arizona | $170 |
| Colorado | $171 |
| Virginia | $177 |
| Michigan | $177 |
| Pennsylvania | $178 |
| Texas | $183 |
| California | $186 |
| Delaware | $192 |
| Hawaii | $192 |
| South Carolina | $194 |
| Utah | $195 |
| Connecticut | $201 |
| Massachusetts | $212 |
| Georgia | $225 |
| Maryland | $227 |
| Florida | $227 |
| New Jersey | $239 |
| Nevada | $264 |
| New York | $335 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What types of coverage should rideshare insurance include?
As a rideshare driver, you’ll not only need a specific endorsement, but it’s a good idea to evaluate — and possibly increase — your personal policy with added comprehensive coverage and liability limits.
A solid rideshare insurance policy should include:
Rideshare endorsement: Extends your personal policy to cover app-on periods
Commercial insurance (livery) coverage: A good idea for full-time or high-mileage drivers
Collision and comprehensive: Covers your car for crashes, theft, or weather damage
Higher liability limits: Protects your assets from lawsuits if an accident occurs and you’re at fault
Most rideshare insurance policies or commercial auto insurance endorsements provide coverage for delivery services such as Uber Eats. But coverage typically only applies during active delivery time — after accepting a delivery request and while carrying goods. Outside of active delivery time, you’ll usually rely on your personal auto insurance, which often excludes commercial activities, creating potential coverage gaps.
You should always confirm with your insurer that your coverage applies while logged into a rideshare app, as not all policies are created equal.
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Best companies for a rideshare insurance endorsement
Many, but not all, insurance companies provide rideshare endorsements, so you’ll need to check with your insurer to see if it offers rideshare insurance coverage. If you need to shop for new coverage, get multiple rideshare insurance quotes from at least three to five companies to ensure you’re getting the best policy for your needs.
The following comparison table shows information about four of the best companies for rideshare coverage.
 |  |  |  |
|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $81/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $109/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $77/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $117/mo* |
Overall rating 4.0 | Overall rating 3.8 | Overall rating 4.9 | Overall rating 4.5 |
Value for money 3.7/5 | Value for money 3.3/5 | Value for money 4.9/5 | Value for money 4.3/5 |
Customer service 4.2/5 | Customer service 3.8/5 | Customer service 4.8/5 | Customer service 4.9/5 |
Claims handling 4.1/5 | Claims handling 3.8/5 | Claims handling 4.9/5 | Claims handling 4.7/5 |
Special highlight Customer serviceAI-generated from 6994 user reviews | Special highlight Accident forgivenessAI-generated from 4178 user reviews | Special highlight Members of the military communityAI-generated from 1440 user reviews | Special highlight Outstanding customer serviceAI-generated from 259 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
State Farm
State Farm rideshare insurance offers affordable coverage in most U.S. states, seamlessly extending personal coverage when the rideshare app is on.
Allstate
Allstate’s rideshare insurance endorsement covers deductible gaps and adds collision coverage even during the “waiting” phase.
USAA
USAA provides rideshare coverage in many states for military members and families, and often at a lower cost than competitors.
American Family
American Family’s rideshare coverage protects you throughout the trip and allows customizable add-ons for full-time drivers.
To identify the best insurance companies for rideshare coverage, Insurify’s data team considered pricing, availability, and our proprietary Insurify Quality (IQ) Score, which objectively measures more than 15 criteria such as financial strength, customer satisfaction, customer support, customization, and more.
How to save money on rideshare insurance
Adding a rideshare endorsement to your personal policy will typically increase your premium, but you can take some steps to hold down costs and make additional coverages affordable.
To reduce your costs, consider the following strategies:
Drive safely
A clean driving record can help you qualify for the lowest rates available to you.
Bundle policies
Combine auto and home insurance for lower rates.
Increase your deductible
You’ll pay more out of pocket if you have to file a claim, but a higher deductible will often lower your monthly premium.
Shop around
Compare multiple insurers using Insurify’s quote tools.
Maintain good credit
Most states allow insurers to consider your credit history during the quoting process, and a better credit history will often lower your rate quotes.
Use telematics apps
Some insurers offer discounts for demonstrating you’re a safe driver through collected data.
Rideshare insurance FAQs
If you still have questions about rideshare insurance, the following FAQs may have your answers.
Do you need to tell your personal auto insurer that you drive for Lyft or Uber?
Yes. If you don’t let your insurer know you’re driving for a rideshare network, it could cancel your policy or deny claims.
What happens if you get in an accident while waiting for a ride request?
If you get into an accident while waiting for a ride request, you’ll have limited liability coverage from the rideshare company. You won’t have any collision coverage for your own vehicle unless you have a rideshare endorsement.
Does rideshare insurance cost more?
Yes. Rideshare insurance is typically about 10%–20% more than your regular premium.
What’s the best company for rideshare insurance?
State Farm, Allstate, USAA, and American Family consistently rank among the best insurers for affordability and reliability when it comes to rideshare insurance.
Does GEICO offer rideshare insurance?
Yes. GEICO offers hybrid rideshare policies in most states that cover both personal and commercial use.
Methodology
Insurify data scientists analyzed more than 190 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:
- 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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Sources
- Insurance Information Institute. "Ride-sharing and insurance: Q&A."
- Uber. "What rideshare and delivery drivers should know about coverage."
- Lyft. "All things insurance, all in one place.."
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Doug BaileySenior Content Writer
Doug Bailey is a senior content writer at Insurify. Doug is an experienced business writer having worked more than a decade as a reporter and business editor at the Boston Globe, covering financial services and the insurance industry. Most recently, Doug was a regular contributor to InsuranceNewsNet, a news and information service for the insurance and financial industry.
Doug is a native New Englander hailing from Maine and works in Insurify’s Cambridge office.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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.