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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
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Liberty Mutual
Liberty Mutual
Optional
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Allstate
Allstate
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Geico
Geico
Optional
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
Farmers
Farmers
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
USAA
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.
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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.

StateUber requirementsLyft requirements
AlabamaPeriod 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
AlaskaPeriod 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
ArkansasPeriod 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
ArizonaPeriod 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
CaliforniaPeriod 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
ColoradoPeriod 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
ConnecticutPeriod 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
DelawarePeriod 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
DCPeriod 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
FloridaPeriod 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
GeorgiaPeriod 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
HawaiiPeriod 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
IdahoPeriod 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
IllinoisPeriod 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
IndianaPeriod 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
IowaPeriod 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
KansasPeriod 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
KentuckyPeriod 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
LouisianaPeriod 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
MainePeriod 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
MarylandPeriod 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
MassachusettsPeriod 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
MichiganPeriod 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
MinnesotaPeriod 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
MississippiPeriod 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
MissouriPeriod 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
MontanaPeriod 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
NebraskaPeriod 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
NevadaPeriod 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 HampshirePeriod 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 JerseyPeriod 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 MexicoPeriod 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 YorkPeriod 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 CarolinaPeriod 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 DakotaPeriod 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
OhioPeriod 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
OklahomaPeriod 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
OregonPeriod 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
PennsylvaniaPeriod 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 IslandPeriod 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 CarolinaPeriod 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 DakotaPeriod 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
TennesseePeriod 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
TexasPeriod 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
UtahPeriod 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
VermontPeriod 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
VirginiaPeriod 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
WashingtonPeriod 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 VirginiaPeriod 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
WisconsinPeriod 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
WyomingPeriod 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 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

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.

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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. 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

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