auto insurance

Uber, Lyft, and other rideshare drivers now have insurance options

Est. 10 min read

Updated July 5, 2017

Uber is no stranger to controversy, especially controversy over how they treat their drivers. At the heart of these controversies is this central question: How much is Uber – or any rideshare company – responsible for?

In the case of car insurance for Uber drivers and Lyft drivers, that question still lingers. If you’re interested, you can read more about the ins and outs of auto insurance for Uber drivers here, but here’s the basic gist: While Uber and Lyft will cover you if any accidents occur while there’s a passenger in the car, they won’t cover you in-between passengers. Hence, an insurance coverage gap for rideshare drivers. In some cases, personal auto insurance policies were actually canceled once insurance companies found out that the driver worked for Uber or Lyft.

Life insurance quotes online

Luckily, car insurance companies are stepping up and recognizing the need for a hybrid personal and commercial auto insurance policy – rideshare insurance, if you will. For most rideshare drivers across the country, you’ll be able to find a product that fits your needs for less money than a traditional commercial auto insurance policy.

When looking at the options available, you’ll see two main types of policies. The most common, and more affordable, option is a modified personal policy that extends your coverage to the “gap” described above. The other option is a modified commercial policy – these policies are usually more expensive, and they replace your personal policy.

Below, we’ve collected the details on rideshare insurance policies from eleven companies which collectively cover over half of the United States. Keep reading to the find the policy that’s right for you.

Note that Metromile is no longer offering a specific rideshare insurance policy as of mid-January 2017. Progressive’s pilot program in Pennsylvania has since ended. Geico, Farmers, USAA, and Allstate are now available in many more states. Mercury, SafeCo, and Travelers are now offering rideshare insurance in some states.

Car insurance for rideshare drivers
Insurance company Eligible drivers Available states Cost
Geico All rideshare drivers AL, AZ, AR, CT, CO, DE, DC, GA, ID, IL, IN, IA, KS, LA, ME, MD, MN, MS, MO, NE, NM, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI, WY Estimated to be 3x a regular personal policy
USAA All USAA member rideshare drivers AL, AZ, CA, CO, GA, IA, IL, IN, KS, KY, MA, MD, ND, NE, NV, OH, OK, OR, TN, TX, WA, WY Starts at $6/month on top of your regular auto insurance bill
Farmers All rideshare drivers AL, AR, AZ, CA, CO, FL, GA, ID, IL, IA, KS, MD, MI, MN, MT, NE, NV, NJ, NM, ND, OH, OK, OR, TN, TX, UT, WI Adds an additional 25% to the cost of your personal policy on average
Allstate All rideshare drivers AZ, AR, CA, CO, CT, DC, GA, HI, IA, ID, IL, IN, KY, KS, MA, MD, ME, MN, MO, MT, NH, NV, OH, OK, RI, SC, TN, TX, UT, VT, WA, WI, WV An additional $15 – $30 per year policy
State Farm All rideshare drivers AL, CA, CT, CO, DE, GA, ID, IN, LA, KY, ME, MN, MS, ND, NE, OH, OK, OR, TN, WA, WI, WV No information provided
SafeCo All rideshare drivers AZ, CO, IL, IN, KS, MN, MO, OK, OR, TN, UT, WA, WI Less than $10 per month for most drivers
Mercury Insurance Uber and Lyft drivers AZ, CA, GA, IL, NV, OK, TX Starts at $0.20 per day or $73 per year
American Family Insurance All rideshare drivers AZ, CO, GA, ID, IN, KS, MO, ND, OH, SD, UT, WI Starts at $10 per month
MetLife Lyft drivers CA, CO, IL, TX, WA No information provided
Erie All rideshare drivers IL, IN No information provided
Travelers All rideshare drivers CO, IL No information provided
Progressive All rideshare drivers TX No information provided

Geico

Available for: All rideshare drivers
Available in: AL, AZ, AR, CT, CO, DE, DC, GA, ID, IL, IN, IA, KS, LA, ME, MD, MN, MS, MO, NE, NM, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI, and WY
Cost: Estimated to be 3x a regular personal policy

Geico doesn’t have too much information about their rideshare insurance product on their site, but it appears straightforward. Their new rideshare insurance product is offered by Geico Commercial, but it’s much cheaper than Geico’s other commercial auto insurance policies. ValuePenguin estimated that a typical rideshare insurance policy for a 30-year-old male would be little over three times the cost of a regular personal auto insurance policy. You can get a quote for your Geico rideshare insurance policy on their website.

USAA

Available for: All rideshare drivers who have served in the military, or are a spouse or child of someone who is a USAA member
Available in: AL, AZ, CA, CO, GA, IA, IL, IN, KS, KY, MA, MD, ND, NE, NV, OH, OK, OR, TN, TX, WA, WY
Cost: Starts at $6/month on top of your regular auto insurance bill

USAA’s rideshare insurance policy is actually an add-on endorsement to your existing policy. Unlike some other policies on this list, USAA’s rideshare endorsement only covers the “gap” between your personal policy and Uber or Lyft’s insurance, which is one reason why it’s less expensive than other policies. USAA makes it easy to purchase this endorsement – instead of buying a whole new policy, you can add the endorsement to your existing policy for as little as $6 per month. This makes getting rideshare insurance an easy and cheap process for existing USAA members. You can add the ridesharing endorsement to your policy online at USAA’s website.

Farmers

Available for: All rideshare drivers
Available in: AL, AR, AZ, CA, CO, FL, GA, ID, IL, IA, KS, MD, MI, MN, MT, NE, NV, NJ, NM, ND, OH, OK, OR, TN, TX, UT, WI
Cost: Adds an additional 25% to the cost of your personal policy, on average

Farmers rideshare insurance product is an extension of your existing personal auto insurance policy, covering you while you’re driving your car for personal use and while the app is open and you’re waiting for a passenger. It won’t cover you when the rideshare company’s coverage is in effect. According to a statement released in 2015, the cost of Farmers’ rideshare insurance policy is about 1.25x the cost of a personal policy, on average. Farmers Rideshare is not available online – you can use their website to find an agent near you.

Allstate

Available for: All rideshare drivers
Available in: AZ, AR, CA, CO, CT, DC, GA, HI, IA, ID, IL, IN, KY, KS, MA, MD, ME, MN, MO, MT, NH, NV, OH, OK, RI, SC, TN, TX, UT, VT, WA, WI, WV
Cost: An additional $15 – $30 per year

Allstate’s rideshare insurance policy, Allstate Ride For Hire, is available for an affordable $15 – $30 per year on top of your personal policy (their website says $15 – 20, but a customer service representative told me that it can get as expensive as $30 for some drivers). Allstate Ride For Hire covers you while you’re looking for a passenger, and can help provide additional coverage if you get into an accident while you have a passenger in the car. Get a quote or contact an Allstate agent through their website.

State Farm

Available for: All rideshare drivers
Available in: AL, CA, CT, CO, DE, GA, ID, IN, LA, KY, ME, MN, MS, ND, NE, OH, OK, OR, TN, WA, WI, WV
Cost: No information provided

Details of State Farm’s rideshare insurance coverage is sparse, but they do state in a press release that their product is an extended personal auto policy, not a modified commercial policy, which should make it relatively affordable. You can get rideshare insurance coverage by contacting a local State Farm agent.

SafeCo

Available for: All rideshare drivers
Available in: AZ, CO, IL, IN, KS, MN, MO, OK, OR, TN, UT, WA, WI
Cost: Less than $10 per month for most drivers

Like other companies on this list, SafeCo is offering a modified personal auto insurance policy that covers you while you’re waiting for a passenger. SafeCo claims that, if you choose their rideshare insurance policy, “you’ll likely pay less than $10 per month.” You can get a more specific quote by contacting a SafeCo agent.

Mercury Insurance

Available for: Uber and Lyft drivers
Available in: AZ, CA, GA, IL, NV, OK, TX
Cost: Starts at $0.20 per day, or $73 per year

If you have a personal auto insurance policy through Mercury, you can purchase additional rideshare insurance from them for “as little as $0.20 a day!”, according to their website. That works out to about $73 per year extra, at minimum. Mercury customers can get a quote by calling (866) 654-1726.

American Family Insurance

Available for: All rideshare drivers
Available in: AZ, CO, GA, ID, IN, KS, MO, ND, OH, SD, UT, WI
Cost: Starting at $10 a month

American Family Insurance provides standard rideshare insurance for those times when drivers are on Uber and Lyft waiting for a fare.

MetLife

Available for: Lyft drivers
Available in: California, Colorado, Illinois, Texas, and Washington
Cost: No information provided

MetLife Auto & Home’s Lyft endorsement will provide coverage for Lyft drivers at every stage of the trip. Premiums will be based on how many miles you drive with Lyft.

If you live in California, Colorado, Illinois, Texas, or Washington, you can call MetLife Auto & Home and ask for a Lyft endorsement quote today.

Erie

Available for: all rideshare drivers
Available in: Illinois, Indiana
Cost: No information provided

Unlike other rideshare insurance products, Erie’s rideshare insurance is not a commercial policy. Instead, Erie has lifted the exclusion on ridesharing from their “business use” designation. According to Cody Cook, Vice President of Auto Insurance at Erie, business use “traditionally has covered people who use their personal cars for things like delivering pizza or flowers, but has historically excluded… people who use their cars as taxis.” Erie’s new insurance products lifts that exclusion. Their press release did not include any information about price.

If you live in Illinois or Indiana, you can use Erie’s website to get a quote.

Travelers

Available for: All rideshare drivers
Available in: Colorado, Illinois
Cost: No information provided

Very little information is available on Travelers’ rideshare insurance policy – it’s given about one paragraph on a page titled “Optional coverages.” However, it is apparent that their rideshare insurance coverage is a modified personal policy, intended to cover you while you are searching for a passenger. No information on additional cost is provided. You can get a quote from Travelers on their website.

Progressive

Available for: Lyft drivers
Available in: Texas
Cost: No information provided

Progressive currently has an insurance offering for rideshare drivers in Texas. Like many other companies, Progressive’s rideshare insurance is a personal policy with a ridesharing endorsement. Unfortunately, no word on how much more it will cost – like all Progressive policies, you’ll need to get a quote directly from an agent. If you’re interested in a quote, call 1-800-PROGRESSIVE (1-800-776-4737) for more information and to be connected to a local agent.

Note: Progressive previously offered a pilot program for Lyft drivers in Pennsylvania, but that program has since ended.


Did we miss one?

New rideshare insurance options are being created every day. Leave us a comment below if we missed one so we can add it to the list.

Photo: Alfredo Mendez

Published on April 8, 2015

Related Tags

Adam Cecil writes for PolicyGenius, a digital insurance brokerage trying to make sense of insurance for consumers. You can read more of his writing on his site.
blog comments powered by Disqus