120+ more*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on September 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on September 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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15 years at the Boston Globe
5+ years covering insurance industry
Doug joined Insurify as a senior content writer in 2025. He was previously a regular contributor to InsuranceNewsNet.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
You need rideshare coverage whenever you log into Uber, Lyft, or another rideshare company app in Virginia.
The platform’s policy covers you and satisfies the Virginia state coverage mandate from the time you accept a ride until you complete it. But a personal rideshare endorsement can protect your vehicle while you wait for a ride request.[1]
A personal endorsement can also address deductibles or other gaps your rideshare coverage may not.
Virginia law expressly says a personal insurer doesn’t have to defend or pay a rideshare claim unless the policy or an endorsement provides coverage gaps.[1] Uber also says its vehicle-damage coverage applies only after a driver accepts a request, requires personal comprehensive and collision coverage, and generally carries a $2,500 deductible.[2]
If you’re in an accident, the insurance that will cover your claim depends on your app status at the time of the incident. Virginia law allows the driver, the rideshare company, or both to supply the required transportation network company (TNC) coverage.[1]
Here, you can see how coverage works and when you can expect each coverage type to protect you in Virginia.
Phase | App Status | Personal Insurance Applies? | Virginia-Required Coverage? | Endorsement Needed? |
|---|---|---|---|---|
| Personal use | App off | Yes, subject to your policy | None | No |
| Waiting | App on; no request accepted | Generally not unless the policy expressly covers ridesharing | Primary liability of at least $50,000 per person/$100,000 per accident for bodily injury liability and $25,000 for property damage, plus state-required uninsured/underinsured motorist coverage | Not legally required, but recommended for physical damage and other gaps |
| Pickup and trip | Request accepted through completion | Generally not unless expressly covered | Primary liability of at least $1 million, plus state-required UM/UIM; contingent comprehensive and collision may apply | Not legally required, but may reduce gaps or a platform deductible |
Check quotes from 120+ top insurance companies
Rideshare insurance costs vary by insurer, driver, vehicle, and existing coverage. Virginia Farm Bureau advertises transportation network coverage starting at $5 per month, while State Farm says its rideshare endorsement generally adds 15%–20% to a customer’s existing premium.[3]
An endorsement typically costs less than a stand-alone commercial policy because it extends personal auto coverage rather than replacing it. Drivers should compare quotes and confirm exactly which rideshare periods each policy covers.
Here, you can see how coverage rates compare when you take rideshare coverage into account.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $67 | $119 |
| State Farm | $68 | $121 |
| USAA | $92 | $163 |
| Chubb | $101 | $179 |
| Erie | $104 | $186 |
| Mercury | $104 | $190 |
| Elephant | $105 | $164 |
| CSAA | $113 | $161 |
| GEICO | $124 | $206 |
| National General | $125 | $234 |
| Progressive | $125 | $175 |
| Bristol West | $129 | $225 |
| Allstate | $135 | $257 |
| Direct Auto | $137 | $249 |
| GAINSCO | $138 | $300 |
| Safeco | $142 | $212 |
| AssuranceAmerica | $152 | $259 |
| Trexis | $162 | $309 |
| Liberty Mutual | $164 | $234 |
| Dairyland | $174 | $412 |
| The General | $175 | $384 |
| Root | $176 | $269 |
| Clearcover | $187 | $376 |
| Trexis One | $188 | $415 |
| Travelers | $192 | $342 |
The best company for you depends on price, app use, preferred service, and which gaps you want covered. Remember to always confirm Virginia availability and policy terms when requesting a quote, and keep these insurers in mind, depending on your unique needs.
| 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. | $57/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. | $102/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 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 endorsement is explicitly available in Virginia, and it works with TNCs such as Uber and Lyft. The endorsement extends most personal policy coverages while the driver awaits a match.
Personal coverage generally continues once you accept a ride, but liability coverage shifts to your TNC. State Farm says a rideshare endorsement generally adds 15%–20% to your overall premium.[3]
Rideshare add-on available specifically to Virginia policyholders
Extends personal deductibles and most coverages during rideshare work
Teen driver rates are more affordable than many other insurers
Available only as an add-on to State Farm auto insurance
Liability shifts to the TNC policy after accepting a request
Gap insurance not available
| User Reviews | 4.4 |
|---|---|
| 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. | $87/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. | $156/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Erie Insurance describes its coverage as a low-cost add-on that provides secondary protection when you use a private vehicle for rideshare purposes. Its rideshare coverage follows drivers before, during, and after a hired ride, offering Virginia Uber and Lyft drivers continuity between personal and TNC insurance.
Coverage designed for every stage of rideshare trip
Available as add-on rather than a full commercial policy
Local-agent service for policy and claims questions
Must have an Erie personal auto policy
Quotes generally require working with an agent
Coverage details and price can vary dramatically
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 624 |
|---|---|
| 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. | $105/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. | $147/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive offers Virginia auto quotes online and lets customers add rideshare coverage by phone. The endorsement may also cover delivery platforms and could be useful for drivers who carry passengers or provide delivery services. Coverage varies by state, so Virginia drivers should verify platform compatibility when obtaining a quote.
Online quotes available in Virginia
Rideshare endorsement available for personal policies
May include delivery-app driving
Existing customers must call to add endorsement
Coverage varies by state and platform
No published Virginia-specific endorsement price
If you still have questions about how to secure the best rideshare insurance in Virginia, the following answers can help.
Virginia rideshare insurance is for drivers who use their personal vehicles while working for TNCs like Uber and Lyft. Drivers typically add rideshare insurance to a personal auto policy as an endorsement.
Commercial insurance, which businesses generally purchase as a separate policy, covers vehicles primarily used for business purposes, including trucks and other fleet vehicles.
Usually, no. Most insurers sell rideshare coverage as an endorsement to their own personal auto insurance policy. Some companies may offer hybrid or commercial policies. As you search for the best coverage for you, remember to compare the total policy cost, not just the policy add-on.
It depends. The best insurer for you offers affordable personal coverage plus an endorsement that works with your platforms and fills coverage and deductible gaps. It’s important to compare quotes from State Farm, Erie, Progressive, Allstate, and more to find the best coverage for you.
It varies by insurer and driver. State Farm, for example, says its rideshare endorsement generally adds 15%–20% to the existing premium, though coverage choices, discounts, location, driving record, and vehicle affect the final price.
First, tell your insurer which apps you drive for, and ask whether it offers a Virginia rideshare endorsement. Then review when coverage applies, all physical-damage protections, deductibles, delivery use, and whether the insurer notifies the lienholder.
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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15 years at the Boston Globe
5+ years covering insurance industry
Doug joined Insurify as a senior content writer in 2025. He was previously a regular contributor to InsuranceNewsNet.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
