Compare rideshare car insurance

Get the right car insurance for Uber, Lyft and other rideshare apps

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Rideshare insurance is becoming more commonplace, making it easier to get coverage while driving for a rideshare company. Learn what your employer will take care of and what you’ll need from your own insurance policy to avoid gaps in coverage.

Rideshare insurance, explained.

Simply put, rideshare coverage extends your personal car insurance policy while you’re working for rideshare companies like Uber and Lyft. It covers you during the time you’re driving but haven’t accepted a ride yet.

Compare rideshare insurance

Name Product Rideshare coverage New car protection Roadside assistance Available states
Progressive
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Liberty Mutual
Optional
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Allstate
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Farmers
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
USAA
Optional
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

What kind of car insurance do I need for ridesharing?

If you drive for a ridesharing company, you’ll at least need to take out liability coverage. You’ll typically also need comprehensive coverage since rideshare extension coverage is only available with comprehensive policies.

Transportation network services (TNCs) like Uber and Lyft usually take out some insurance on your behalf. However, these policies only kick in after your own coverage and may only include liability insurance. Fortunately, insurers are now expanding their coverage to offer policies for rideshare drivers, which can cover you while carrying passengers or driving for yourself.

Rideshare coverage varies by state. Not all states offer this type of extension, and not all providers offer rideshare extensions in all states.

StatePeriodUber RequirementsCostLyft RequirementsCost
Alabama1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Alaska1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Arkansas1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Arizona1Bodily injury per person$50,000Bodily injury per person$25,000
Bodily injury per accident$100,000Bodily injury per accident$50,000
Prop damage per accident$25,000Prop damage per accident$20,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
California1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$30,000Prop damage per accident$30,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Colorado1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$30,000Prop damage per accident$30,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Connecticut1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Delaware1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
DC1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Florida1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Georgia1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$50,000Prop damage per accident$50,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Hawaii1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Idaho1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Illinois1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Indiana1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Iowa1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Kansas1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Kentucky1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Louisiana1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Maine1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Maryland1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Massachusetts1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$30,000Prop damage per accident$30,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Michigan1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Minnesota1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$30,000Prop damage per accident$30,000
2 & 3Combined single limit bodily injury and property damage liability$1,500,000Combined single limit Automobile Liability$1,500,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Mississippi1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Missouri1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Montana1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Nebraska1Bodily injury per person$50,000Bodily injury per person$25,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$250,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Nevada1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$250,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,500,000
New Hampshire1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
New Jersey1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,500,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,500,000
New Mexico1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
New York1Bodily injury per person$75,000Bodily injury per person$75,000
Bodily injury per accident$150,000Bodily injury per accident$1,500,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,250,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,250,000
North Carolina1Bodily injury per person$75,000Bodily injury per person$50,000
Bodily injury per accident$150,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,500,000Combined single limit Automobile Liability$1,500,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
North Dakota1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Ohio1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Oklahoma1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Oregon1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Pennsylvania1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Rhode Island1Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per person$50,000
Prop damage per accident$25,000Bodily injury per accident$100,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Prop damage per accident$25,000
Comprehensive$1,000Combined single limit Automobile Liability$1,500,000
Collision$1,000Collision damage – deductible each auto$2,500
Uninsured/Underinsured motorist – each accident$250,000
South Carolina1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$50,000Prop damage per accident$50,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
South Dakota1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Tennessee1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Texas1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Utah1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$30,000Prop damage per accident$30,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Vermont1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Virginia1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
Washington1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$30,000Prop damage per accident$30,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000
West Virginia1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Wisconsin1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$250,000
Wyoming1Bodily injury per person$50,000Bodily injury per person$50,000
Bodily injury per accident$100,000Bodily injury per accident$100,000
Prop damage per accident$25,000Prop damage per accident$25,000
2 & 3Combined single limit bodily injury and property damage liability$1,000,000Combined single limit Automobile Liability$1,000,000
Comprehensive$1,000Collision damage – deductible each auto$2,500
Collision$1,000
Uninsured/Underinsured motorist – each accident$1,000,000

What kind of insurance do rideshare companies provide?

Once your rideshare app is on, Uber and Lyft’s supplemental insurance kicks in. You’re typically covered for third-party liability when you’re on duty, plus collision and comprehensive in a claim where your own policy doesn’t cover you.

However, coverage is limited for these rideshare companies. For example, while your app is on and you’re waiting for a passenger, Uber’s insurance only covers liability to a third party — not yourself or your car. And Lyft’s contingent coverage means your own insurance kicks in before Lyft covers anything in certain situations. If you want more coverage during this period, you’ll need to purchase an extension on your policy.

App is offWaiting for a requestDriving to pick up a riderDuring a trip
Uber
  • Minimum requirements for your state.
  • Any coverage you want beyond Uber’s supplemental insurance.
  • Coverage when driving your car for personal use.
Liability only for at-fault accidentsLiability and uninsured motorist coverage, plus contingent, collision and comprehensive coverageLiability and uninsured motorist coverage, plus contingent, collision and comprehensive coverage
Lyft
  • Minimum requirements for your state.
  • Any coverage you want beyond Lyft’s supplemental insurance.
  • Coverage when driving your car for personal use.
Contingent and liability only for at-fault accidentsContingent liability onlyLiability and uninsured motorist coverage, plus contingent, collision and comprehensive coverage

How much does rideshare coverage cost?

Typically, rideshare coverage will cost an additional $5 to $20 per month on top of your personal policy — or an additional 10% to 20% to your premium. Rideshare coverage fills in the gaps of Uber or Lyft’s commercial insurance.

For example, if you don’t have rideshare coverage, you’ll only be covered for liability when your app is on and you’re waiting for a ping. If you don’t have a passenger or are not in route to pick one up, you’re not covered for damage to you or your car by Uber or Lyft’s insurance.

Getting covered while waiting for a rider accounts for the increase in cost to your personal auto policy.

Can I get rideshare insurance for a fleet of cars?

Yes, you can get rideshare insurance if you manage a fleet of cars for your rideshare business. You can insure each individual car with a rideshare extension and insurance for each driver. For a larger rideshare fleet, consider commercial car insurance policies that cover you for higher liability limits and are designed for multiple drivers and cars.

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How to file a claim with rideshare insurance

Unfortunately, accidents happen. Reporting one and filing a claim with rideshare insurance is similar to filing a claim with personal insurance. Here’s what to do if you get into an accident while driving for Uber or Lyft:

  • Secure the area. Is anyone injured? Do you need to call 911? Is it safe to move the vehicle?
  • Call the police. Always call the authorities to report the accident.
  • Exchange information. Exchange details with other drivers involved in the accident — including names, addresses, phone numbers, driver’s license numbers, registration, license plate numbers and insurance info.
  • Document the accident. Take pictures of any damage with your smartphone. This could be helpful when filing the claim.
  • Contact your rideshare company. It can help you start your claim and guide you through the process.
  • Call your personal insurance provider. In case you need to file a claim through your own company instead of your rideshare’s.

Bottom line

Uber and Lyft both provide insurance, but you won’t be covered in every situation without getting further coverage on your personal policy. Knowing what’s covered and when will help you make the best choices when getting extensions to your existing policy.

Frequently asked questions about rideshare insurance

Learn more about ridesharing insurance

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