Rideshare Insurance
Essential coverage for Uber, Lyft, DoorDash, and other rideshare/delivery drivers. Fills the gaps in your personal auto policy.
Critical: Personal Auto Insurance Won't Cover You
Most personal auto insurance policies exclude coverage when you're using your vehicle for commercial purposes like ridesharing or delivery. Without proper coverage, you could be completely unprotected during an accident.
What is Rideshare Insurance?
Rideshare insurance is specialized auto coverage designed for drivers who use their vehicles for Uber, Lyft, DoorDash, Instacart, or other rideshare and delivery services. It fills critical gaps between your personal auto policy and the coverage provided by these platforms.
This coverage ensures you're protected during all phases of rideshare driving, from when you log into the app to when you drop off passengers or deliveries.
Understanding the Coverage Gaps
Three Periods of Rideshare Driving
Period 0: App Off
Your personal auto insurance covers you.
✓ Personal policy active
Period 1: App On, Waiting for Ride
Coverage gap! Platform provides minimal liability only.
⚠️ Most vulnerable period - need rideshare coverage
Period 2: Ride Accepted
Platform insurance provides coverage (Uber/Lyft: $1M liability).
✓ Well covered by platform
Period 3: Passenger or Delivery On Board
Full platform coverage active ($1M+ liability, comprehensive, collision).
✓ Fully protected by platform
What Does Rideshare Insurance Cover?
Period 1 Gap Coverage
Provides comprehensive and collision coverage when your app is on but you haven't accepted a ride yet.
Higher Liability Limits
Boosts liability coverage beyond what the platform provides during Period 1.
Deductible Waiver
Some policies waive your deductible during Periods 2 and 3 so you're not paying Uber/Lyft's $2,500 deductible.
All Platforms Covered
Works with Uber, Lyft, DoorDash, Instacart, Uber Eats, Grubhub, and other platforms.
Insurance Options for Rideshare Drivers
Option 1: Rideshare Endorsement (Best)
Add a rideshare endorsement to your existing personal auto policy. Costs $10-30/month and seamlessly extends your coverage.
✓ Most affordable and convenient option
Option 2: Commercial Auto Policy
Purchase a full commercial auto policy. Provides comprehensive coverage but is significantly more expensive ($200-400/month).
Only necessary for full-time drivers or fleet owners
Option 3: Hybrid Policy
Some insurers offer hybrid policies specifically designed for rideshare drivers, combining personal and commercial elements.
Good middle ground for part-time drivers
Top Insurers for Rideshare Coverage
- State Farm: Affordable rideshare endorsement, widely available
- Geico: Competitive rates, easy to add to existing policy
- Allstate: Comprehensive rideshare coverage options
- Progressive: Specialized rideshare policies available
- USAA: Excellent coverage for military members
Average Cost
Rideshare Endorsement
$120-360/year
Adds 10-20% to your existing premium
What coverage level do you need?
Choose the protection that matches your requirements