Compare rideshare car insurance coverage | finder.com
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Compare rideshare car insurance

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How to get the right car insurance for Uber drivers and other rideshare drivers

Since their inception, Uber, Lyft and other rideshare services have faced hurdles getting car insurance. Standard consumer car insurance policies would specifically exclude coverage for vehicles being used to carry passengers for profit. Learn what’s covered by Uber and what you’ll need to cover with your own insurance policy to avoid any gaps in coverage.

Compare rideshare insurance

Name Product Rideshare coverage New car protection Available states
Allstate
Yes
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Yes
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
No
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Geico
Yes
Yes
All 50 states
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance.
Farmers
Yes
Yes, cars under 2 years old
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.
State Farm
Yes
Yes
All 50 states
If you’re looking for one-on-one agent support, you may be able to count on State Farm.
USAA
Yes
No
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?

In the United States, you need at least liability coverage. Typically you’ll also need comprehensive coverage because rideshare extension coverage is only available with comprehensive policies.

Transportation network services or TNCs like Uber and Lyft typically take out some insurance on your behalf. However, these policies will only apply after your own coverage and only include liability insurance. Fortunately, insurers are now expanding their coverage to offer options for rideshare drivers. You can tailor a policy to cover you while carrying passengers as well as 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.

What kind of insurance do rideshare companies provide?

Once your 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 coverage in a claim where your own policy doesn’t cover you. However, 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 to further coverage during this period, you’ll need to purchase an extension on your policy.

Car insurance Uber covers

  • Liability only for at-fault accidents while waiting for a request.
  • Liability and uninsured motorist coverage plus contingent collision and comprehensive when driving to pick up a rider and during a trip.
  • No coverage when driving your car for personal use.

Coverage Uber drivers need on their own policy

  • Minimum requirements for your state
  • Any coverage you want beyond Uber’s supplemental insurance

Car insurance Lyft covers

  • Contingent liability only for at-fault accidents while waiting for a request.
  • Contingent liability while driving to pick up a rider
  • Liability and uninsured motorist coverage plus contingent collision and comprehensive when driving to pick up a rider and during a trip.
  • No coverage when driving your car for personal use.

Coverage Lyft drivers need on their own policy

  • Minimum requirements for your state
  • Any coverage you want beyond Lyft’s supplemental insurance

How much does rideshare coverage cost?

Typically, rideshare coverage will cost you 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 will 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 up a passenger, you’re not covered for damage to your person 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.

Steps to get insured as an Uber driver

  • Make sure you have minimum liability coverage. This is required for all drivers in most of the States.
  • Consider having personal comprehensive car insurance or collision coverage. You must have these in order for Uber to cover damages to your car in the event of an accident that occurs while driving for Uber.
  • Compare policies by benefits and costs including providers with rideshare coverage.
  • Get quotes from your top picks and choose the best provider for you.
  • Sign up, and hit the road.

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 Uber or Lyft 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.

Our top pick:

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Our top pick: Insurance321 commercial car insurance

Insurance321 matches you with an agent or broker who can find the best commercial car insurance coverage for your business.

  • Large network of insurers
  • Coverage for any business vehicle
  • Fast, convenient matching
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What else should I know about rideshare insurance?

To help you compare the options, you may want to get quotes from each and then use the Uber earnings calculator to see how well different policies suit your budget. This calculator can help you compare earnings next to the costs of insurance premiums, car maintenance, Uber financing programs and more.

For answers to other questions, check out the definitive guide to Uber.

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 any extensions to your existing car insurance policy.

Learn more about ridesharing insurance

Picture: Shutterstock

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