Rideshare Coverage Explained

If you are thinking about being a driver for a rideshare or on-demand delivery company like Lyft or Doordash, then you need to buy rideshare insurance. The most affordable rideshare auto insurance option for coverage is to purchase an endorsement for your personal policy. Endorsements are offered by Progressive, Allstate, and USAA rideshare insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 2, 2021

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What You Should Know

  • Rideshare insurance is a must-have for drivers who use their own vehicles for work
  • Commercial endorsements are the most affordable form of rideshare insurance
  • Rideshare insurance covers both rideshare and on-demand delivery drivers

As rideshare companies have risen in popularity, the need for rideshare insurance has grown. However, before becoming a driver for a rideshare company like Lyft or Uber, you need to understand your auto insurance options.

Keep reading to learn more about the types of rideshare insurance policies available and where to find the most affordable rideshare auto insurance rates.

Do you want to get a jumpstart on finding affordable rideshare insurance quotes? Enter your ZIP code above, and we will help you compare policies from multiple companies.

What is rideshare insurance?

The odds are that in 2021 most people have taken advantage of a rideshare service, from Uber to Lyft to on-demand delivery companies like DoorDash. These companies employ thousands of drivers, and if you are considering being one of them, you need to learn more about rideshare insurance.

Rideshare insurance refers to coverage designed specifically for rideshare drivers.  Unlike traditional taxi drivers who drive company cars, rideshare drivers use their own vehicles and will often need commercial auto insurance policies to act as rideshare car insurance. 

If you drive for any rideshare company and do not purchase any commercial coverage, an accident can end up costing you thousands.

The company you are driving for may maintain or offer liability coverage that pays for repairs to the other party in an accident, but if you get into an accident while on the clock, your personal auto insurance company will deny any claim you make to repair your car or cover medical bills. Without commercial rideshare insurance, you will be liable to cover all of your own bills.

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Which rideshare insurance company offers the most affordable rates?

As rideshare companies have grown in popularity, auto insurance companies have started to offer policies specifically designed for rideshare drivers.

The most affordable version of rideshare coverage is a policy add-on or endorsement. This essentially allows you to just add coverage to your existing policy rather than having to purchase an entirely separate commercial policy.

Some examples of endorsements are Progressive rideshare insurance, Allstate rideshare insurance, and USAA rideshare insurance.

Each of these companies allows you to add coverage to your existing personal auto insurance policy. For USAA customers, this endorsement will add less than $10 to your monthly bill.

Other companies offer separate types of rideshare insurance policies, like the GEICO hybrid policy. This is an entire auto insurance policy that acts as both personal and commercial coverage.

However, like rideshare insurance coverage, hybrid policies and endorsements are not available everywhere. If you are a rideshare driver, it is important that you shop around and look into both of these options before you make your decision.

Start your comparison right here before you buy rideshare insurance coverage. Enter your ZIP code below and get free rideshare insurance quotes from local companies in your area.

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