Rideshare Insurance: 10 Best Auto Insurance Companies for Uber and Lyft Drivers (2021)

Do you drive for Uber, Lyft, or a similar rideshare service? Read on to see how you can get the best insurance, ensuring that you’re covered for every minute you’re on the road.

Uber and Lyft drivers, beware: standard personal car insurance might not cover you while you’re on the clock for a transportation network company (more commonly known as a rideshare service). You require some form of rideshare insurance to keep you covered between your trips.

While on the job, your only live coverage is the commercial insurance provided by Uber or Lyft. But even this temporary coverage may offer less protection than you need (especially after finishing a trip and before accepting a new ride request). It may not adequately cover you, your vehicle, and your passengers in the event of an accident.

Keep reading to find out how a personal insurance company can be your saving grace for mere dollars a month.

Table of Contents

• How Commercial Rideshare Insurance Works
• Types of Rideshare Insurance Policies
• Compare Rideshare Insurance Quotes
• Best Uber & Lyft Insurance Companies
  1. USAA
  2. American Family
  3. GEICO
  4. Allstate
  5. Erie
  6. Safeco
  7. State Farm
  8. Farmers
  9. Mercury
  10. Travelers
• Honorable Mentions
  1. Liberty Mutual
  2. Progressive
  3. MetLife
• Find Rideshare Insurance in Your State
• Comparing Rideshare Car Insurance Quotes on Insurify

How Uber and Lyft Commercial Insurance Works

Wondering how Uber and Lyft already covers you with rideshare coverage? 

Here’s how: the commercial coverage you’re provided while driving for Uber or Lyft is broken down into four stages—offline, available, en route, and on trip. Uber and Lyft provide different coverage amounts to their drivers at each step of a trip.

Your personal auto insurance policy will always include liability insurance, consisting of bodily injury liability and property damage liability. Other coverages your personal policy might include are comprehensive and collision coverage, medical expenses, and uninsured motorist coverage. 

Uber and Lyft’s commercial policies always protect drivers but are liability-only during the “available” stage of a rideshare trip. That means that once you’ve turned your rideshare app on and are waiting for a fare request, you’re less protected than you are during any other stage of a trip. What if you get into a major accident during this brief window of time between your shift starting and you driving to your first pickup?

To pick up the slack, many insurance companies have devised their own policies, endorsements, or packages to either give you more protection or synthesize your personal and commercial insurance policies. To ensure adequate protection while driving for Uber and Lyft, drivers should explore additional coverage in the form of dedicated rideshare insurance from an independent company.

Types of Rideshare Insurance Policies

In general, insurance providers will offer some variation of a Lyft or Uber car insurance policy designed specifically for rideshare drivers:

• Additional Protection: An insurance company might provide a policy of added protection (usually in the form of “gap coverage”) while you are online with your rideshare service. Policies like these often account for what might not be covered through Uber or Lyft’s commercial coverage.
• Personal Insurance Coverage Extension: Some insurance companies call on rideshare drivers to extend their personal coverage into certain stages of the ridesharing trip. These plans are often integrated into the driver’s personal insurance policy with that same insurance provider.
• Hybrid Insurance Package: These policies are specifically designed to replace your personal auto insurance with a rideshare-friendly plan.

So, how to choose between these highly specialized, differently designed plans?

How to Compare Rideshare Insurance Quotes

Insurify, a free insurance comparison website, is one way that rideshare drivers can get real-time, accurate, and compare car insurance quotes from top companies in the U.S.

The site offers a wide variety of insurance companies to choose from, an easy-to-use interface, and options for rideshare drivers with all types of insurance history. To date, it has delivered over four million insurance quotes from top providers like The General, Nationwide, and Liberty Mutual. If you’re seeking a Lyft or Uber insurance policy, you can find competitive quotes in a matter of minutes.

While using Insurify, be sure to select “Rideshare Driver” to receive quotes for rideshare policies and find the best insurance for Uber or Lyft that fits your profile.

Best Uber & Lyft Car Insurance Companies

We’ve compiled a list of the best auto insurance companies that provide rideshare insurance, ranked by our proprietary Insurify Composite Score. (Be sure also to check out our latest Best Car Insurance Companies list, featuring the overall top 10 car insurance companies of the year.)

Keep in mind that many of these companies’ policies differ depending on location, rideshare service, and other variables. Whether you’re driving for Uber, Lyft, or another service, read on to make sure you’re getting the best deal.

Here are the companies that provide the best car insurance quotes for Uber and Lyft drivers:

1. USAA

• Insurify Composite Score: 94
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: USAA Ridesharing Gap Coverage. This insurance covers you while you are logged on to your ridesharing app and waiting for a rideshare request. Most insurance companies will denote this coverage as “gap coverage,” referring to the gaps of time in between trips, as well as the gap that may exist in your overall insurance coverage. This roughly corresponds with the “available” stage (and, sometimes, the “en route” stage) of a ridesharing trip.
• States Covered: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, North Dakota, Ohio, Oklahoma, Oregon, Tennessee, Texas, Utah, Vermont, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming
• Estimated Cost: As little as $6 added per month to your existing personal auto insurance premium with USAA

USAA’s gap coverage policy only applies to the “available” stage of a ridesharing trip. That means that this coverage does not make up for the potentially limited coverage offered by Uber or Lyft during the “en route” stage.

USAA insurance coverage is only available to current military service members, veterans, and their families.

Did you know? In 2014, Uber launched UberMILITARY to provide a source of income for veterans, servicemembers, and military spouses.

2. American Family

• Insurify Composite Score: 88
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: American Family Insurance describes its coverage, called the American Family Rideshare Endorsement, as an “add-on” to your existing personal policy with American Family. It is the equivalent of ridesharing gap coverage and provides the same coverage as it does your personal auto policy (including bodily injury liability, property damage liability, collision, comprehensive, medical payments coverage, and personal injury protection).
• States Covered: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin
• Estimated cost: Varies. The cost is added to your existing personal auto insurance premium with American Family Insurance.

American Family’s rideshare coverage only covers the “available” stage of a ridesharing trip. Your commercial insurance policy through Uber or Lyft covers the rest of a trip.

3. GEICO

• Insurify Composite Score: 87
• Coverage Type: Hybrid Insurance Package
• Coverage Description: GEICO Rideshare Insurance. This “hybrid” rideshare policy is meant to replace your personal auto insurance policy and covers you whether you’re driving on or off the clock.
• States Covered: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming
• Estimated Cost: Varies. The cost will increase from your personal auto insurance premium with GEICO, as it replaces your personal policy. Deductibles can be as low as $250 for this hybrid package.

This rideshare insurance is meant to cover you (as the named driver on the policy), anyone living in your home, your passengers (up to your policy limits for injuries or property damage), and property damage to your car if you have collision and comprehensive insurance. GEICO’s rideshare insurance covers all stages of a ridesharing trip. This coverage does not apply to any vehicle you do not own.

GEICO also boasts lower rates than taxi and commercial policies, even lower deductibles.

If you have multiple vehicles in your household, you’ll need to continue to have personal auto insurance on the cars not being used for rideshare services (i.e., the ones you’re not driving for Uber or Lyft).

GEICO stipulates that its ridesharing insurance package applies to drivers for Uber, Lyft, Amazon Flex, Grubhub, DoorDash, Postmates, Uber Eats, or any combination of these.

4. Allstate

• Insurify Composite Score: 86
• Coverage Type: Additional Protection OR Hybrid Commercial Insurance Package
• Coverage Description: Allstate Ride for Hire policy. Because this policy does not cover you when you’re signed off of your rideshare app, it does not replace your personal auto insurance policy. Instead, it is deductible gap coverage for up to $2,500 while you are driving for a rideshare company like Uber or Lyft.
• States Covered: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming
• Estimated Cost: $10 to $20 added per month to your existing personal auto insurance premium with Allstate

Ride for Hire includes both gap coverage and deductible gap coverage for possible expenses during other stages of a ridesharing trip. In this way, it protects drivers against the high deductibles of Lyft or Uber auto insurance.

As of 2021, Allstate has also partnered with Uber to provide commercial insurance protection to both riders and drivers in Alaska, Idaho, Illinois, Michigan, Minnesota, Montana, Nevada, New Jersey, New Mexico, New York, Oregon, Utah, Washington, Wisconsin, and Wyoming. This hybrid, full ridesharing insurance policy combines personal and business coverage into one singular policy.

5. Erie

• Insurify Composite Score: 85
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: Erie’s Rideshare Insurance. This protection is rolled into your personal auto insurance coverage. Erie has extended its “business use” clause of personal auto insurance policies to include rideshare services, essentially providing Lyft and Uber driver insurance. (Previously, they only covered services such as food delivery.)
• States Covered: Illinois, Kentucky, Maryland, Ohio, Pennsylvania, Rhode Island, Tennessee, Virginia, Washington D.C., Wisconsin
• Estimated Cost: $9 to $15 added per month to your existing personal auto insurance premium with Erie

Erie’s Rideshare Insurance covers all stages of a ridesharing trip.

6. Safeco

• Insurify Composite Score: 85
• Coverage Type: Personal Coverage Extension
• Coverage Description: Safeco’s RideSharing Coverage. This insurance extends your existing personal auto insurance to cover you while on the clock for a rideshare company like Uber and Lyft. It does not replace your personal auto insurance policy.
• States Covered: 14
• Estimated Cost: Around $10 added per month to your existing personal auto insurance premium with Safeco

If you have multiple vehicles in your household, ridesharing coverage will only protect vehicles explicitly written under this optional coverage.

Safeco’s rideshare coverage only covers the “available” stage of a ridesharing trip.

7. State Farm

• Insurify Composite Score: 83
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: State Farm Rideshare Driver Coverage. This optional coverage extends your personal auto insurance to all stages of your rideshare trips. However, your liability coverage does not carry over to your rideshare trips during the “en route” or “on trip” stages. Liability is only included during the “available” phase. This means that, as the driver, you will have to make sure that Uber and Lyft’s liability limits are high enough to cover possible liabilities with passengers. All other coverages during your “en route” and “on trip” stages are based on the coverages and limits you’ve selected for your personal auto policy.
• States Covered: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming
• Estimated Cost: Additional 15 to 20 percent of your current premium with State Farm

State Farm maintains that this additional coverage is a smart decision because it puts your personal policy deductible into effect while ridesharing. Furthermore, if you have a claim, you can deal with State Farm directly instead of your rideshare company.

8. Farmers

• Insurify Composite Score: 83
• Coverage Type: Personal Insurance Coverage Extension OR Hybrid Commercial Insurance Package
• Coverage Description: Farmers Rideshare. This insurance extends your existing personal auto insurance to cover you while on the clock for a rideshare company like Uber and Lyft. It does not replace your personal auto insurance policy.
• States Covered: Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Tennessee, Texas, Utah, Wisconsin
• Estimated Cost: Varies. Cost is added to your personal auto insurance premium with Farmers

Farmers’ rideshare coverage endorsement only covers the “available” stage of a ridesharing trip.

As of 2021, Farmers has partnered with Uber to provide commercial insurance protection to rideshare drivers in Delaware, Georgia, Hawaii, Indiana, Iowa, Kansas, Maryland, Missouri, Nebraska, North Dakota, Pennsylvania, South Dakota, Virginia, Washington D.C., and West Virginia. This hybrid, full ridesharing insurance policy combines personal and business coverage into one singular policy.

9. Mercury

• Insurify Composite Score: 81
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: Mercury Ride-hailing insurance.
• States Covered: Arizona, California, Georgia, Illinois, Nevada, Oklahoma, Texas
• Estimated Cost: As little as $.90 per day, according to Mercury. Cost depends on current premium and coverage levels.

Mercury’s ride-hailing insurance endorsement extends your personal auto policy coverage into the “available” stage of a ridesharing trip.

10. Travelers

• Insurify Composite Score: 81
• Coverage Type: Additional Protection
• Coverage Description: Travelers Limited Ride Sharing Coverage. This coverage endorsement is not widely available. It applies to rideshare service drivers once they open their ridesharing mobile app, but before they connect with a passenger.
• States Covered: Colorado, Illinois
• Estimated Cost: Varies. Cost is added to your existing personal auto insurance premium with Travelers.

Travelers’ rideshare coverage only covers the “available” stage of a ridesharing trip.

Honorable Mentions: 3 More Companies that Cover Rideshare Drivers

Liberty Mutual

• Insurify Composite Score: 80
• Coverage Type: Personal Insurance Coverage OR Hybrid Commercial Insurance Package
• Coverage Description: Before 2021, Liberty Mutual has no formal rideshare coverage service. However, it will not necessarily cancel your personal policy if you use your car for ridesharing purposes. As a private auto insurance provider, Liberty Mutual offers competitive rates.
• Estimated Cost: Personal premiums will vary

As of 2021, Liberty Mutual has partnered with Uber to provide commercial insurance protection to rideshare drivers and passengers in Connecticut, Maine, Massachusetts, New Hampshire, Puerto Rico, Rhode Island, South Carolina, and Vermont. This hybrid, full ridesharing insurance policy combines personal and business coverage into one singular policy.

If you’re not from one of these sates or territories, until this program comes to your state, Liberty Mutual should still cover you if you’re a rideshare driver and use your vehicle for commercial purposes. You’ll still need “gap coverage” to be fully protected. 

Progressive

• Insurify Composite Score: 78
• Coverage Type: Additional protection OR Hybrid commercial insurance package
• Coverage Description: Progressive personal auto policy endorsement. This option might particularly appeal to rideshare drivers who don’t drive for Uber and Lyft and therefore don’t necessarily need to carry a commercial policy.
• States Covered: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, Wyoming
• Estimated Cost: Varies. Cost is added to your existing personal auto insurance premium with Progressive.

Drivers who don’t live in the states listed above may still qualify for Progressive’s commercial for-hire livery policy. Rideshare drivers qualify for this separate policy since they earn income for transporting passengers in the same way a taxi driver or luxury vehicle driver might. A for-hire livery policy can cover drivers for both business and personal use.

This option is available in the following states: Alabama, Arizona, Arkansas, Colorado, Delaware, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming.

MetLife

• Insurify Composite Score: 73
• Coverage Type: Additional protection
• Coverage Description: MetLife rideshare endorsement. This rider applies to Lyft drivers only. It covers drivers at all states of a ridesharing trip.
• States Covered: California, Colorado, Illinois, Texas, Washington
• Estimated Cost: Premiums vary based on the mileage driven while using Lyft

MetLife’s rideshare endorsement is unique in that it covers all stages of a ridesharing trip, but it is a custom policy available only to Lyft drivers.

Find Uber and Lyft Insurance in Your State

TRENDING CONTENT ON INSURIFY

Find out how you can get cheap car insurance for no down payment. Is it really possible, or just a myth?

Check out the best deals for car insurance for low income households.

These are the car insurance companies that won’t check your credit score prior to quoting.