Rideshare Insurance Coverage

Rideshare insurance coverage is necessary to cover the gaps between the insurance Uber offers and your own personal auto insurance. In some cases you might not be able to get rideshare insurance and you will need to get commercial auto insurance coverage. Read more to find out everything you need to know abour rideshare insurance coverage and how it affects your auto insurance costs.

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Feb 22, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Overview

  • If you’re driving for a rideshare company like Uber or Lyft you likely need more auto insurance than your personal policy affords you
  • Most personal auto insurance policies will not cover you while you are working for a rideshare
  • You will need to find additional auto insurance coverage for the times you are working as a rideshare driver

Rideshare insurance coverage can seem confusing to drivers who are trying to earn some extra money by driving. Ridesharing and uber drivers have changed the world in more ways than just offering easy and affordable rides to people anywhere.

Rideshare has also changed auto insurance and the way insurance companies need to address rideshare drivers and the people who take rides in Ubers or Lyfts.

If you’re an Uber driver, you likely need to speak with your auto insurance company about your current coverage. Your personal auto insurance policy will most likely not cover you in the event of an accident, and even though Uber insurance is available it is designed to protect the company, not you.

If you’re ready to compare rideshare insurance coverage quotes, enter your ZIP code above to find affordable rideshare insurance rates in your area.

What type of auto insurance do I need if I am an Uber driver?

Uber drivers often wonder what type of auto insurance do I need? Is my personal auto insurance policy sufficient? The answer is no, your personal auto insurance policy is not sufficient.

Yes, Uber checks to make sure that you are insured, but your personal auto insurance policy likely doesn’t cover you if you are using your vehicle for commercial purposes.

Out of all the basic types of auto insurance coverage available, rideshare drivers will likely need to get commercial auto insurance or rideshare insurance to cover them while they are working.

The availability of rideshare insurance from your current provider may vary based on location, and you may have no other option but to purchase a commercial auto insurance policy.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption

How do I get rideshare insurance?

Rideshare insurance is a lot cheaper than buying a commercial auto insurance policy. You need to speak with your auto insurance provider and see if rideshare insurance is available in your location with your current policy.

Average Rideshare Insurance Cost by Provider
CompanyRates Above Traditional Policy
AllstateAbout $20 per year.
Erie$9 to $15 per month.
MercuryStarting at about $27 per month.
SafecoLikely under $10 per month.
State Farm15%-20% of premium.
USAAStarting at $6 per month
Get Your Rates Quote Now
Compare RatesStart Now →

As you can see rideshare insurance is generally not too expensive. It is important to speak with your insurance company and Uber driver support to understand where the gaps in your coverage are and what the best auto insurance policy is to ensure you are always fully covered.

Rideshare Insurance: The Bottom Line

Drive insurance is crucial for Uber drivers and their passengers. You don’t want to be left hanging in the event of an accident. Make sure that you have all of the auto insurance coverage that you need while you are working as a rideshare driver.

The Insurance Information Institute has more information for rideshare drivers who are curious about their insurance situation.

If you lie to your insurance company about your rideshare driving, you could be dropped from your coverage completely. Be honest and upfront with your insurance company, and they will help you get all of the coverage you need to drive for Uber or Lyft.

If you’re ready to buy cheap rideshare insurance, enter your ZIP code below to compare affordable rideshare insurance coverage quotes.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption