Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 27, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The Short of It

  • Most insurance companies offer rideshare coverage as an add-on to personal policies
  • A few companies offer a hybrid plan that combines your personal policy with rideshare coverage
  • Depending on the driver, rideshare add-ons start at least than a $1 a day

Whether you do it as a side gig or as a full-time job, rideshare drivers need the right insurance to protect their car, their passengers, and themselves. From liability auto insurance to full coverage, you have a lot of options to protect yourslef and your car.

Auto insurance companies that accept rideshare drivers can provide you with the coverage you need to safely pick up and deliver passengers. From the moment you turn on your app to the moment you turn it back off, the right insurance is vital to your success as a rideshare driver

Quotes from auto insurance companies that accept rideshare offer a lot of options for car insurance and figuring out what’s best for you can be tricky. Enter your ZIP code into our free tool to start seeing quotes on insurance that might work for you.

Auto Insurance Companies That Accept Rideshare

Unfortunately, your personal policy doesn’t cover your working hours. Car insurance companies do this to protect themselves and keep prices down for other customers.

The good news is that there are a lot of companies that offer rideshare insurance options. And, with over 5 million Uber drivers alone, there aren’t many car insurance companies that don’t accept rideshare.

USAA Rideshare Insurance

USAA has an excellent reputation and affordable rates. This company is consistently rated as an excellent option for insurance, regardless of your needs.

Pros:

  • High customer satisfaction
  • Comprehensive coverage is available to rideshare drivers
  • Affordable
  • Flexible deductibles

Cons:

  • Only available to military members and their families
  • Not available in every state

Additionally, USAA offers the following:

  • Insurance for all rideshare and delivery drivers
  • Gap coverage
  • Rideshare insurance coverage as an add-on to your personal policy
  • Rates start as low as $6 a month

Allstate Rideshare Insurance

Allstate offers rideshare coverage in most states. It also provides gap coverage so you can minimize your out-of-pocket expenses in case you’re involved in an accident.

Pros:

  • Great claim handling online or with their mobile app
  • Affordable

Cons:

  • You must be an existing customer to get rideshare insurance

Allstate has also partnered with Uber to offer a hybrid plan in 15 states. This hybrid plan combines your personal policy and rideshare coverage into one plan. For states where the hybrid plan is unavailable, Allstate also offers:

  • Deductible gap coverage
  • Gap coverage for Lyft drivers up to $2,500
  • Rates starting as low as $10 a month for a rideshare add-on

Mercury Rideshare Insurance

Mercury offers great car insurance for rideshare drivers regardless of if they have one passenger or many.

Pros:

  • Affordable
  • Works with most rideshare companies

Cons:

  • They don’t operate in many states
  • You can’t file a claim online

Mercury is an affordable option, starting at less than $1 a day for rideshare coverage. As with many insurance companies, Mercury offers its rideshare coverage as an add-on to your personal policy.

Unfortunately, Mercury is only available in nine states: Arizona, Florida, Illinois, Oklahoma, Virginia, California, Georgia, Nevada, and Texas.

Progressive Rideshare Insurance

Progressive consistently ranks highly regarding coverage options, and they don’t skimp on rideshare insurance.

Pros:

  • They operate in most states
  • Your personal add-ons stay in effect while you work

Cons:

  • There is no online purchasing option
  • Can be expensive

Like Allstate, Progressive offers a hybrid plan that combines your personal and rideshare insurance. Even better, the add-ons you purchase for your personal plan remain active during your working hours, including things like roadside assistance.

While you have to have a personal policy with Progressive, and you must speak with an agent to get started, Progressive has a great claim filing system, both online and on its mobile app.

Farmers Rideshare Insurance

While Farmers operates in a smaller area than some other insurance companies, they are well known for their claim response. Farmers is a great choice if you do more work in your car than ridesharing, such as food or parcel delivery.

Pros:

  • Can drive for multiple companies
  • Easy claims

Cons:

  • Available in a small number of states

Farmers offers rideshare coverage in 36 states. For this coverage, you would need a personal policy first, and they also offer a hybrid policy for Uber drivers in 15 states.

State Farm Rideshare Insurance

State Farm is another great option if you drive for multiple companies. While you have to have a personal policy in place before you can buy a rideshare add-on, this coverage comes with many perks.

Pros:

  • Covers all types of delivery services
  • Add-ons from your personal policy stay active
  • Claims are easy to file

Cons:

  • More expensive
  • Not every state is eligible for every option

Additionally, State Farm states:

  • You need to contact an agent to buy rideshare insurance
  • You can make your claims online or on their mobile app
  • A rideshare add-on can increase your monthly rate by 15% to 20%

GEICO Rideshare Insurance

GEICO sets itself apart by being one of the only affordable auto insurance companies that accept rideshare to offer hybrid policies for all rideshare drivers.

Pros:

  • Their hybrid policy covers you all the time

Cons:

  • Can be expensive

GEICO’s hybrid insurance plan is available in 42 states. The most exciting part? It covers you, your household members, your passengers, and, of course, any damage to your car.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Do rideshare companies offer insurance?

Rideshare companies like Uber and Lyft do provide coverage for their employees, but only up to a certain point. Coverage through the company depends on who was at fault and what you were doing when an accident occurred.

Uber and Lyft provide liability insurance, and it only covers drivers you hit. Many insurance add-ons, like medical bill paying, are up to you. This means if someone hits you and you have medical bills, you’re likely on your own.

This is why drivers must secure rideshare car insurance. That extra coverage protects you when company-provided insurance does not.

How does insurance work for rideshare drivers?

There are four phases for your work activity as a rideshare driver, and understanding these is crucial to making sure you have the right insurance.

Rideshare Phases
PhasesPhase MeaningCoverage
Phase 0Off duty, app is offYour personal policy covers you
Phase 1Available, app is on but you’re waiting for a customerYour personal policy and company liability do not cover you
Phase 2En route, you’ve accepted a customer and are on your wayCompany insurance covers you
Phase 3On Trip, customer is in your carCompany insurance is in full effect
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, there is a gap in phase 1, when you’re waiting for your next customer. This crucial gap is protected through rideshare car insurance.

When you’re ready to buy, auto insurance companies that accept rideshare protect more than just the gap in phase 1. They also protect you when your company-provided liability runs out. Most importantly, it protects you if you need medical attention.

Looking at rates from auto insurance companies that accept rideshare shows that this coverage is affordable. If you’re a rideshare driver, you can protect your car, your passengers, and yourself with a simple add-on or new hybrid policy.

Finding the right auto insurance companies that accept rideshare drivers doesn’t have to be complicated. If you’re ready to start looking at quotes, enter your ZIP code below.