Rideshare Eligible Insurance Carriers

Choose your state to see what carriers offer auto insurance to rideshare drivers

Carriers That Offer Rideshare Insurance

At PolicyGenius, we have compiled a list of the auto insurance providers that offer rideshare coverage. Be sure to review the coverage you are currently offered by Uber and Lyft, depending on who you drive for. This will give you the information you need to see where you may need additional coverage.

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NOTE: Information accurate as of 8/31/17

Eligible Drivers

All USAA member rideshare drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet.

Period 3 
Driver has a passenger in the car.

Coverage Details

Personal auto coverage extends to Period 1, but does not cover Period 2 or Period 3. Insurance through the Transportation Network Company would be only coverage during these periods.

Cost Details

Starts at $6 per month on top of your regular auto insurance bill.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger. Note: In Florida, Farmers offers coverage under the Foremost brand.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet. Note: In Florida, Farmers offers coverage under the Foremost brand.

Period 3 
Driver has a passenger in the car. Note: In Florida, Farmers offers coverage under the Foremost brand.

Coverage Details

Personal auto coverage extends to Period 1, but does not cover Period 2 or Period 3. Insurance through the Transportation Network Company would be only coverage during these periods. Farmers is offered through the Foremost brand in Florida.

Cost Details

Adds an additional $15 per month to a customer's personal policy.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet. Allstate works in conjunction with rideshare company's coverage to provide deductible gap reimbursement.

Period 3 
Driver has a passenger in the car. Allstate works in conjunction with rideshare company's coverage to provide deductible gap reimbursement.

Coverage Details

Personal auto coverage extends to Period 1, and covers the deductible gap during Period 2 and Period 3. The deductible gap is the difference between the driver's deductible under their personal policy and the deductible under the insurance through the Transportation Network Company.

Cost Details

Starts at $15-20 per month.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger. State Farm will provide all coverage except for liability during Period 1.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet. State Farm will provide all coverage except for liability during Period 2.

Period 3 
Driver has a passenger in the car. State Farm will provide all coverage except for liability during Period 3.

Coverage Details

With the exception of liability coverage, which shifts to the Transportation Network Company, your State Farm’s personal policy coverages (such as rental, medical payments for you or comprehensive) extend through all three defined periods. So if you have an accident at any point while drving for a TNC, the claim can be put through State Farm.

Cost Details

Adds about 15 to 20% to your current policy.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet.

Period 3 
Driver has a passenger in the car.

Coverage Details

Personal auto coverage extends to Period 1, but does not cover Period 2 or Period 3. Insurance through the Transportation Network Company would be only coverage during these periods.

Cost Details

Likely to pay less than $10 per month.

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Eligible Drivers

Uber and Lyft drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet.

Period 3 
Driver has a passenger in the car.

Coverage Details

Personal auto coverage extends to Period 1, but does not cover Period 2 or Period 3. Insurance through the Transportation Network Company would be only coverage during these periods.

Cost Details

Starts at as little as $.20 per day, depending on policy premium.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet.

Period 3 
Driver has a passenger in the car.

Coverage Details

Personal auto coverage extends to Period 1, but does not cover Period 2 or Period 3. Insurance through the Transportation Network Company would be only coverage during these periods.

Cost Details

Get quote with Progressive for cost details.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger. Note: Liberty Mutual does not offer rideshare insurance but will not cancel personal policies of commercial drivers.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet. Note: Liberty Mutual does not offer rideshare insurance but will not cancel personal policies of commercial drivers.

Period 3 
Driver has a passenger in the car. Note: Liberty Mutual does not offer rideshare insurance but will not cancel personal policies of commercial drivers.

Coverage Details

Liberty Mutual does not offer a rideshare coverage option, but will allow the driver to maintain their policy for use when not on the clock. Insurance through the Transportation Network Company would be the only coverage when the app is turned on. It essentially means that your policy won't be cancelled if you drive for one of the TNCs.

Cost Details

Get quote with Liberty Mutual for cost details.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet.

Period 3 
Driver has a passenger in the car.

Coverage Details

Personal auto coverage extends to Period 1, but does not cover Period 2 or Period 3. Insurance through the Transportation Network Company would be only coverage during these periods.

Cost Details

Get quote with Travelers for cost details.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger. American Family will provide all coverage during Period 1.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet. American Family will provide all coverage during Period 2.

Period 3 
Driver has a passenger in the car. American Family will provide all coverage during Period 3.

Coverage Details

Personal auto coverage extends to Period 1, but does not cover Period 2 or Period 3. Insurance through the Transportation Network Company would be only coverage during these periods.

Cost Details

Starts at $10 per month.

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Eligible Drivers

All rideshare
drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger. Erie provides Period 1 coverage through personal policies designated for business use.

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Period 2 
Drivers has matched with a passenger but hasn't picked them up yet. Erie provides Period 1 coverage through personal policies designated for business use.

Period 3 
Driver has a passenger in the car. Erie provides Period 1 coverage through personal policies designated for business use.

Coverage Details

The Erie personal policy extends through all three defined periods, as long as a “business use” designation is put on the policy.“‘Business use'” traditionally has covered people who use their personal cars for things like delivering pizza or flowers, but has historically excluded—meaning not covered— people who use their cars as taxis. Theyv've removed that exclusion. So if you have an accident at any point while drving for a TNC, the claim can be put through Erie.

Cost Details

Get quote with Erie for cost details.

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Eligible Drivers

All USAA member rideshare drivers

Period 1 
Rideshare app is open but driver hasn't matched with a passenger.

Period 2 
Drivers has matched with a passenger but hasn't picked them up yet.

Period 3 
Driver has a passenger in the car.

Coverage Details

Personal auto coverage extends to Period 1, but does not cover Period 2 or Period 3. Insurance through the Transportation Network Company would be only coverage during these periods.

Cost Details

Get quote with Mapfre for cost details.

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