Auto Insurance for Rideshare Drivers
Uber and Lyft drivers need special coverage that protects them during rides. Learn about rideshare insurance requirements and how to get properly covered.
Challenges Rideshare Drivers Face
How to Save on Rideshare Auto Insurance
Best Companies for Rideshare Drivers
Progressive
A+ RatedProgressive is known for innovative tools like Snapshot and Name Your Price, helping drivers find affordable coverage tailored to their needs.
Read Review →GEICO
A++ RatedGEICO is known for competitive rates and a streamlined digital experience, making it easy to get quotes and manage policies online.
Read Review →State Farm
A++ RatedState Farm is the largest auto insurer in the United States, offering comprehensive coverage through a network of local agents.
Read Review →Allstate
A+ RatedAllstate combines the convenience of digital tools with a strong local agent network, offering comprehensive coverage and unique programs like Milewise.
Read Review →Coverage Recommendations
- Rideshare endorsement or hybrid policy is essential
- Comprehensive coverage for your high-value asset
- Higher liability limits to protect personal assets
- Gap coverage for Period 1 (app on, no passenger)
Rideshare Drivers Auto Insurance FAQ
Do I need special insurance for Uber or Lyft?
Yes. Personal auto policies typically exclude commercial driving. You need either a rideshare endorsement or a commercial policy to be properly covered while driving for rideshare companies.
What is rideshare insurance?
Rideshare insurance is a type of coverage designed for Uber, Lyft, and other rideshare drivers. It fills the gap between personal coverage and the rideshare company's commercial policy.
When does rideshare company insurance apply?
Uber and Lyft provide coverage when you have a passenger or are en route to pick one up. There's limited coverage when the app is on but you don't have a ride. No coverage when the app is off.
How much does rideshare insurance cost?
A rideshare endorsement typically adds $15-30 per month to your policy. This is much cheaper than a full commercial policy and fills the critical coverage gaps.
Rideshare Drivers Insurance by State
Insurance rates and requirements vary by state. Find information specific to your location.
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