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State Farm’s rideshare endorsement extends your coverage limits during period 1, 2 and 3. This means that your personal deductible will be in effect any time you are behind the wheel, no matter which TNC you’re driving for, or which period you’re in. If you have other coverages such as medical, towing and rental car coverage, these too will be in effect while you’re driving for Uber, Lyft, or others.
State Farm Recommended Agents in CA
Thach Ho – (877) 411-2221 – San Francisco Bay Area, CA
Thach Ho – (858) 746-9555 – San Diego, CA
Kyle Middleton Insurance Services – (916) 234-0604 – Sacramento/Central Valley, CA
Kyle Middleton Insurance Services – (323) 250-0800 – Los Angeles/Orange County, CA
Mercury first opened their doors in 1962. Dedicated managers and enthusiastic employees work hand-in-hand with their network of independent agents.
Mercury is one of the most recent additions to insurance companies offering rideshare friendly insurance. Mercury offers full coverage during period 1. Mercury Insurance was named by Forbes as one of ‘America’s Most Trustworthy Companies’, earning a place among “America’s 50 Most Trustworthy Financial Companies’ for 2015. This is sixth time Mercury has been awarded this honor.
Mercury Recommended Agents
Atchley & Associates Insurance Services – (877) 275-6957 – Orange County/Inland Empire
Brian Santa Maria at Cliff Cottam Insurance Services – (800) 807-6871 – Sacramento / Central Valley
Farmers Insurance was the first to offer a rideshare-friendly policy in the state. With their policy addition, you get coverage during period 1 (app on, but no passenger) and you won’t be dropped for telling them you’re a rideshare driver.
Farmers Recommended Agents in CA
Andrew Chavez – (310) 881-2770 – Los Angeles, CA
Allstate’s rideshare coverage is unique – it provides coverage for your personal insurance, and during period 1. Allstate’s rideshare coverage also helps fill the gap that arises when a customer’s personal auto policy liability coverage limits are greater than what’s provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects drivers against high deductibles that ridesharing companies have for their coverage.
Allstate Recommended Agents in CA
Doug Eisold – (858) 271-7900 – San Diego
USAA is a well known financial services company that exclusively serves the military community and their families since 1922. As part of their auto insurance products, USAA now offers a rideshare endorsement that covers Period 1 (app on, but no passenger) and you won’t be dropped for letting them know you are a rideshare driver.
Liberty Mutual offers very competitive rates with very flexible billing options, Liberty Mutual is a great ride share friendly option. They will not cancel your policy if you are participating in a ride share program. Also, Liberty Mutual does not count rideshare miles for premium rating purposes, assuring very competitive rates.
MetLife Auto & Home’s Lyft endorsement provides coverage for Lyft drivers engaged in activities related to providing Lyft services. The endorsement offers coverage for drivers and passengers at every stage of the trip: while the driver is waiting for a passenger request; is en-route to pick up a passenger; and during the trip with the passenger. Premiums applicable to the endorsement will vary based on the mileage driven in the Lyft program.
Metromile is a new insurance company that insures vehicles in a much different way. Metromile’s premiums vary based on each mile driven. This is especially valuable to a driver that doesn’t put many miles on their car each year. Metromile installs a device on your vehicle which tracks your mileage.
Metromile has a partnership with Uber that coordinates your coverage with Uber. When driving for Uber, Uber has you insured. When not driving for Uber, Metromile would provide coverage.
Unfortunately, Metromile does not coordinate or have a partnership with either Lyft or Sidecar, so miles driven for Lyft and Sidecar would add to your total miles for Metromile coverage while Uber miles would not. My quote with Metromile came in significantly higher than my current insurance but your situation may be different.
Check out our full review of Metromile.