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

Compare rideshare car insurance

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

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.

Compare rideshare insurance

Name Product Rideshare coverage New car protection Available states
Allstate
Yes
Yes, cars under 2 years old
All 50 states
Liberty Mutual
Yes
Yes, cars under 1 year old & 15,000 miles
All 50 states
Esurance
No
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Geico
Yes
Yes
All 50 states
Farmers
Yes
Yes, cars under 2 years old
All 50 states
State Farm
Yes
Yes
All 50 states
USAA
Yes
No
All 50 states

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.

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.

What car insurance does Uber cover?

  • 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.

Coverage that Uber drivers need on their own policy

  • Minimum requirements for your state.
  • Any coverage you want beyond Uber’s supplemental insurance.
  • Coverage when driving your car for personal use.

What car insurance does Lyft cover?

  • Contingent and 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.

Coverage that Lyft drivers need on their own policy

  • Minimum requirements for your state.
  • Any coverage you want beyond Lyft’s supplemental insurance.
  • Coverage when driving your car for personal use.

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.

Uber vs. Uber Eats car insurance

Uber Eats’ car insurance is similar to traditional Uber insurance. Uber Eats drivers are covered by supplemental insurance that’s active any time you’re logged into the app either waiting for or delivering an order.

While waiting

When you’re waiting for an Uber Eats order or an Uber rider, you’re covered with liability insurance up to $50,000 per person up to $100,000 total for injuries and $25,000 for property damage.

While driving

Once you’ve picked up a rider or a food delivery, you’re covered with $1 million in liability coverage and contingent comprehensive and collision coverage with a $1,000 deductible.

Uber drivers are also covered for bodily injuries caused by an uninsured or underinsured motorist up to $1 million when they’re on their way to pick up a rider or have a rider in the car — at the time of writing, this doesn’t extend to Uber Eats drivers.

Exceptions

Whether you’re an Uber or an Uber Eats driver, coverage levels vary by state. In all states except New York, coverage is at least the amounts mentioned above. In New York, Uber follows local laws and provides commercial insurance when required.

Steps to get insured as an Uber driver

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.

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How to report an accident and 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.

What else should I know about rideshare insurance?

To compare options, get quotes from each and use the Uber earnings calculator to see how different policies suit your budget. The calculator can help you compare earnings next to things like the costs of insurance premiums, car maintenance 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 extensions to your existing policy.

Frequently asked questions

Learn more about ridesharing insurance

Picture: Shutterstock

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