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Compare car insurance for Waze Carpool drivers

Consider extra coverage for everyone in the car during an accident.

Updated

When driving with this carpooling service, you’re responsible for your passengers’ wellbeing during an accident. Waze doesn’t provide car insurance for drivers using the platform, so you’ll need to cover any claims through your personal policy.

Why doesn’t Waze Carpool provide any insurance?

Waze doesn’t consider its carpooling system a business venture. According to Google, who owns Waze, the app is designed to share the expense of a trip, not help drivers make an income.

Riders always pay less than the cost of the entire trip, accounting for gas and vehicle depreciation — but not insurance. Waze drivers are required to have enough coverage on their own policies to cover the passengers in their vehicle.

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

Compare car insurance for Waze Carpool

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
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.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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What kind of car insurance do I need to drive for Waze Carpool?

To drive with Waze, you’ll need to carry enough insurance to cover state minimum requirements as well as coverage for the passengers in your vehicle. So if you’d like to fill your car at its maximum capacity, consider higher limits on coverage like liability and uninsured/underinsured motorist.

Coverage you may need:

  • Bodily injury liability. Cover bodily injuries to the other driver involved or passengers in either car. Consider higher liabilities the more passengers you’re willing to accept.
  • Property damage liability. Pay for vehicle and other property damage during an accident where you’re at fault.
  • Collision. Protect your own car from damage after an accident.
  • Comprehensive. Get coverage for noncollision accidents like theft, vandalism, weather damage or hitting an animal.
  • Uninsured/underinsured motorist. Make sure you and your passengers are covered if the at-fault driver doesn’t have enough insurance.
  • Medical payments. Protect everyone in the car from expensive medical bills related to an accident. Again, consider higher limits.
  • Personal injury protection. Get coverage for personal injuries for you and your passengers, including medical bills, loss of income and funeral expenses.

Car insurance for Waze Carpool drivers

Coverage typeTrip StatusCovered by WazeAdd to your personal policy
LiabilityDuring carpoolNot coveredRequired by state and Waze, consider higher limits
Personal injury protection (PIP)During carpoolNot coveredRequired by Waze, consider higher limits
CollisionDuring carpoolNot coveredRecommended
ComprehensiveDuring carpoolNot coveredRecommended
Uninsured/underinsured motoristDuring carpoolNot coveredConsider higher limits
LiabilityOff the clockNot coveredRequired by state

How much does car insurance for Waze Carpool drivers cost?

Waze Carpool is not designed for business purposes. So your personal insurance policy will usually cover the use of your car for carpooling. If so, the cost will be similar to the insurance you may already have. The average annual cost for car insurance is around $1,300 per year, but your premium will vary based on your state, driving record, vehicle type and any additional coverage you might be adding in order to drive with Waze Carpool.

If you contact your insurance provider and realize it doesn’t allow carpooling, you may need to switch providers or purchase a commercial policy. The average cost for a commercial car policy ranges from $1,200 to $2,400 per year.

You could purchase rideshare coverage, although this special policy type is still being developed by many insurers. In fact, some insurers exclude shared-expense carpooling from rideshare coverage. In this case, you’ll need to speak with the insurer directly to find out its policy. On average, rideshare coverage costs an extra $5 to $20 per month and works as an extension of your personal auto policy.

Either way, you’ll need increased liability coverage for more passengers. Also, consider add-on coverage for wider protection. These needs may increase your current insurance rates.

What should I watch out for?

When using Waze Carpool, keep a few caveats in mind:

  • Increased responsibility. The app gives you responsibility for your own passengers, including during an accident.
  • Insurance company requirements. Check with your insurance provider to make sure this carpooling situation is covered so you don’t run into problems after an accident.

Can I drive for Waze Carpool with someone else’s car?

The Waze website does not specify ownership of the vehicle you’re driving. Its main requirement for the vehicle is that you’ve ensured its safety on the road.

However, if you’re using someone else’s car, make sure the insurance provider covers you as a nonowner and any passengers in the vehicle. You may alleviate confusion by asking to be added as an insured driver on the policy.

You can also purchase a nonowner car insurance policy, which covers bodily injuries and property damage when you drive a vehicle you don’t own. Some policies also allow you to add medical payments and uninsured/underinsured motorist protection. This policy would kick in once the insurance has paid its part of the accident claim.

How do I make a claim after an accident driving for Waze Carpool?

Waze Carpool acts as a connection for riders and drivers, rather than a business. So Waze doesn’t assume any responsibility for accidents that happen while using the app.

If an accident occurs, notify your personal insurance company:

  1. Gather accident details — such as the other driver’s insurance information, any medical bills and photos of damage.
  2. Call your insurance company or file accident details through your online account.
  3. Coordinate a time for an appraiser to assess any damage on your vehicle, then follow your company’s instructions for getting repairs.
  4. Ensure your car is safe on the road before using the Waze Carpool app again.

Bottom line

Because Waze Carpool isn’t meant to provide business income, the service may not need a special insurance policy, such as commercial car insurance. However, drivers are responsible for passengers, especially during an accident. Consider raising policy limits on coverage that directly affects your passengers, like liability.

Compare car insurance providers that best fit your carpooling situation.

Frequently asked questions about Waze Carpool insurance

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