This article contains links to products or services from one or more of our advertisers or partners. We may receive a commission when you click or make a purchase using our site. Learn more about how we make money.

Compare rideshare car insurance

Get the right car insurance for when you drive with Uber, Lyft and other rideshare apps.

Updated

Fact checked

How to cancel rideshare insurance when you’re not driving

If you’re not offering rideshare trips anymore or are postponing your services, you can drop your rideshare coverage from your policy. To cancel:

  • Check your legal requirements. If you plan to offer rides every now and then, compare your state’s minimum insurance requirements with the coverage your rideshare company offers. You might need to keep your coverage or stop giving rides altogether in some cases.
  • Contact your insurance company. Since rideshare insurance is typically added to your personal policy, you might try updating through your personal account online. Otherwise, call customer service to cancel — keep in mind the longer waiting times because of coronavirus questions.
  • Update your coverage. Ask to drop the rideshare coverage from your policy and receive your lowered rate. Make sure to notify your insurer about lower mileage if that’s applicable.
  • Reinstate after a temporary drop. You’ll have to contact your insurance company to add the coverage again or get a rideshare insurance quote online.

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 to cover while you’re working for rideshare companies like Uber and Lyft. It protects you during the time you’re driving but haven’t accepted a ride yet.

Do I need rideshare insurance if I use my vehicle to carpool?

It depends on your policy and if you’re being paid. Contact your insurance company if you regularly carpool and accept money for it — including gas money. Your insurance may not cover an accident while you’re carpooling if you’re getting money for it, even though you’re not officially operating under a rideshare company.

Compare rideshare insurance

Name Product Rideshare coverage New car protection Roadside assistance Available states
Progressive
Progressive
Optional
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
Allstate
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Liberty Mutual
Optional
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Farmers
Farmers
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
USAA
USAA
Optional
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
loading

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.

You’re not completely on your own when it comes to insuring your car. Transportation network services 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 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 and not all car insurance carriers offer rideshare policy extensions.

State Uber requirements Lyft requirements
Alabama Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit liability
  • $2,500 Collision damage – deductible each auto
Alaska Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Arkansas Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Arizona Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $25,000 Bodily injury per person
  • $50,000 Bodily injury per accident
  • $20,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
California Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Colorado Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Connecticut Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Delaware Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
DC Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Florida Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Georgia Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $50,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $50,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Hawaii Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Idaho Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Illinois Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Indiana Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Iowa Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Kansas Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Kentucky Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Louisiana Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Maine Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Maryland Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Massachusetts Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Michigan Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Minnesota Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,500,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,500,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Mississippi Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Missouri Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Montana Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Nebraska Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $250,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $25,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Nevada Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $250,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,500,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
New Hampshire Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
New Jersey Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,500,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,500,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
New Mexico Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
New York Period 1
  • $75,000 Bodily injury per person
  • $150,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,250,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $75,000 Bodily injury per person
  • $1,500,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
North Carolina Period 1
  • $75,000 Bodily injury per person
  • $150,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,500,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,500,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
North Dakota Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Ohio Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Oklahoma Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Oregon Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Pennsylvania Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Rhode Island Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident

Period 2 & 3

  • $25,000 Prop damage per accident
  • $1,500,000 Combined single limit Automobile Liability
South Carolina Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $50,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $50,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
South Dakota Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Tennessee Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Texas Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Utah Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Vermont Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Virginia Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Washington Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $30,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
West Virginia Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Wisconsin Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $250,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto
Wyoming Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit bodily injury and property damage liability
  • $1,000 Comprehensive
  • $1,000 Collision
  • $1,000,000 Uninsured/Underinsured motorist – each accident
Period 1
  • $50,000 Bodily injury per person
  • $100,000 Bodily injury per accident
  • $25,000 Prop damage per accident

Period 2 & 3

  • $1,000,000 Combined single limit Automobile Liability
  • $2,500 Collision damage – deductible each auto

What kind of insurance do rideshare companies provide?

Once your rideshare app is on, Uber and Lyft 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.

Take a look at what you’re covered for during which period with auto insurance from Uber and Lyft:

App is off Waiting for a request Driving to pick up a rider During 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 accidents Liability and uninsured motorist coverage, plus contingent, collision and comprehensive coverage Liability 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 accidents Contingent liability only Liability and uninsured motorist coverage, plus contingent, collision and comprehensive coverage

Buy rideshare coverage in 3 steps

Getting the extra coverage to keep yourself protected between turning on the app and picking up a customer doesn’t have to be hard. It just takes a little patience and research.

  1. Talk to your current auto insurance company. Inform your current insurer that you’re going to be driving for a rideshare business and using your car. Ask your insurer if it will still provide coverage, and if it offers a rideshare extension.
  2. Get quotes. Take the time to get quotes from other insurers regardless of if your current company will work with you. Switching car insurance companies can save you big bucks, so you might as well use the opportunity to get the best deal.
  3. Apply for coverage. Make sure all of your application information is accurate and purchase your rideshare extension insurance. Once it’s active, you’re good to go.

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.

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.

By paying extra on your personal policy, you’re getting extra protection for while the app is on and you haven’t agreed to pick anyone up.

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 hold 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: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

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. If you need to file a claim through your own company instead of or alongside your insurance through your rideshare company, notify your insurer and provide any requested documents.

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

Picture: Shutterstock

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site