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Compare car insurance for Waze Carpool drivers

Compare car insurance for Waze Carpool drivers

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

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.

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Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

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Compare car insurance for Waze Carpool

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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.

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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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