Rideshare Insurance Options For Uber and Lyft Drivers

GEICO gecco with thumbs up rideshare
We’ve made a bunch of updates to our rideshare insurance page over the past few months, so today I wanted to re-post it so that if you’re looking for rideshare insurance, you can easily learn about the options in your state.  There are still a few states that don’t have rideshare friendly options, but there are new options being added every day so be sure to check back frequently.

If you’ve never seen this page before, having adequate auto insurance coverage is very important.  As rideshare drivers though, you need to be especially mindful that you understand the risks and insurance limits in your state.  There are many states where there isn’t an officially recognized rideshare insurance policy and although you may still be covered by Uber/Lyft, your personal insurer may drop you for being a rideshare driver.  I’ve covered this issue extensively, so if you want to brush up on the current state of rideshare insurance, here are some resources for you to review:

Over the past year, almost all of the major carriers have begun offering rideshare insurance policies for drivers.  This is great news since we no longer need to worry about being dropped by our insurance company if we insure with a rideshare-friendly insurance company.

But changing insurance is obviously not a simple matter since many of us have policies across our homes, other cars, etc.  My hope is that one day all major carriers will offer rideshare-friendly policies but until then, drivers will have to either switch insurers or assume the risk of going without a rideshare friendly policy.

I’d like to know what your current insurance situation looks like so please fill out this anonymous poll.

Do you have a rideshare specific insurance policy?

This post will continue to be updated with insurance information for each of the markets but if you have conflicting info or would like to add to this page, please leave a comment below.  Additionally, if you have an agent that you’d like to personally recommend, don’t hesitate to reach out to me with their contact info.

Select a State

Drive with Uber 3

Arizona

Arizona Rideshare Insurance – 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.

Mercury is also now offering policies in the state as well as USAA.

Farmers

Farmers Insurance was one of 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 AZ

Paul Lorenz – (623) 925-9411 – Arizona

Mercury

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.  In Arizona, Mercury offers full coverage during period 1 and also provides coverage in excess of TNC coverage.  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 in AZ

TD Insurance – (602) 254-3208 – Arizona

USAA

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.

USAA Rideshare Information and Quote

Arkansas

Arkansas Rideshare Insurance – 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.

Mercury is also now offering policies in the state.

California

California Rideshare Insurance – In rideshare’s largest state, there are a couple options for drivers.

There are over 70,000 rideshare drivers in rideshare’s largest state but the majority of drivers haven’t told their insurance company about their status as a rideshare driver.  Farmers was first to market with a rideshare policy in California and now others have followed suit.  We have highlighted the major players below.  There is a comprehensive list of options on the California Rideshare Insurance page.  State Farm is the latest addition and will begin offering a rideshare endorsement on March 21, 2016.  Others offering rideshare coverage are USAA, Mercury, AAA, MetLife and Metromile.

Farmers

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

Roger W. Heighton – (650) 692-1484 – San Francisco Bay Area, CA

Kathy Lamm – (866) 416-8939 – Orange County, CA

Andrew Chavez – (310) 881-2770 – Los Angeles, CA

 

Mercury

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

Pacific Preferred Insurance – (800) 913-1844 – Los Angeles, CA

Atchley & Associates Insurance Services – (877) 275-6957 – Orange County/Inland Empire

Todd Payne Insurance Services – (858) 581-2131 – San Diego, CA

Brian Santa Maria at Cliff Cottam Insurance Services – (800) 807-6871 – Sacramento / Central Valley

Liberty Mutual

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.

Recommended Agent in CA

As an independent agent with multiple rideshare options, Yaniv Natanov has helped hundreds of drivers obtain auto insurance policies that help fit their needs. With over six years of experience in the auto insurance market, he has developed a  very strong niche in the Ride Share space and takes a very consultative approach. Please feel free to contact him as a resource to some of your concerns and insurance needs.

Yaniv Natanov – (240) 309-6001 – Los Angeles, CA

State Farm

State Farm started offering rideshare friendly policies on 3/21/16.  State Farm’s rideshare endorsement is more extensive than most other options.  State Farm extends their 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… even when you are driving for Uber or Lyft.  Also, if you have other coverages such as medical, towing and rental car coverage, those will also be in affect even when driving for Uber and Lyft.

State Farm Recommended Agents in CA

Thach Ho – (877) 411-2221 – San Francisco Bay Area, CA

Kyle Middleton – (916) 234-0604 – Sacramento/Central Valley, CA

Kyle Middleton – (323) 250-0800 – Los Angeles/Orange County, CA

Thach Ho – (858) 746-9555 – San Diego, CA

USAA

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.

USAA Rideshare Information and Quote

Colorado

Colorado Rideshare Insurance – As of Jan. 15th, 2015, Colorado passed a bill that requires primary insurance during Period 1.  Uber provides primary insurance during this period in order to satisfy the requirements but not every insurance company will endorse rideshare drivers.  Currently, Farmers, USAA and MetLife all offer rideshare-friendly policies.

Farmers

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 Agent in CO

Jolene Johnson – (303) 768-8130 – Englewood, CO

USAA

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.

USAA Rideshare Information and Quote

Connecticut

Connecticut Rideshare Insurance – GEICO is now offering rideshare “hybrid” policies.

District of Columbia

Washington DC Rideshare Insurance – Erie Insurance is offering rideshare policies.  GEICO is offering rideshare “hybrid” policies.

Georgia

Georgia Rideshare Insurance – GEICO added Georgia to its growing list of states where they now offer rideshare “hybrid” policies.  Allstate and Ethio-American also offer rideshare insurance options.

Farmer’s Insurance also recently started offering policies in Georgia.

Illinois

Illinois Rideshare Insurance – IIllinois has a few rideshare-friendly auto insurance options.  We have included agents that we recommend because they understand the unique needs of rideshare drivers and how to set up the policies correctly with each of these companies for rideshare drivers.  Along with the Farmers, Erie, and Travelers options listed below, USAA, Met Life and Metromile have started offering rideshare policies in Illinois.

Farmers

Starting February 15, 2016, Farmers Insurance will offer a rideshare endorsement in Illinois.  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 IL

Slavin Farmers Insurance Agency – (847) 926-7767 – Illinois

 

logo snip (1)Indesure – (Offers Travelers & Erie Insurance)

Indesure is a family based independent insurance agency that specializes in rideshare driver insurance.  Indesure has two AM Best superior-rate options to find the best solution for your needs.

Indesure – Illinois – (Offers Travelers & Erie Insurance)

Travelers Insurance

Travelers is the fifth largest insurance company in the country.  The company was founded over 150 years ago.  They are currently rate A++ (Superior) by A.M Best.

Erie Insurance

Erie has been around for 90 years.   They are currently rated A+ (Superior) by A.M. Best.  Erie Insurance ranks highest in customer satisfaction according to the J.D. Power 2015 U.S. Insurance Shopping Study.  This is the third year in a row that Erie has achieved this award.

Chris, Kathleen, and Brian Shnoebelen (Indesure) – (630) 580-5544 – Illinois

USAA

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.

USAA Rideshare Information and Quote

Indiana

Indiana Rideshare Insurance – Indiana has only one rideshare friendly option but it is rumored that more are on the way.  As of today though, Erie insurance is the only option for drivers who want a rideshare specific auto insurance policy.  We have included an agency that we recommend because they understand the unique needs of rideshare drivers and how to set up the policies correctly for rideshare drivers.

Indesure – (Offers Erie Insurance)logo snip (1)

Indesure is a family based independent insurance agency that specializes in rideshare driver insurance.

Indesure – Illinois – (Offers Travelers & Erie Insurance)

Erie Insurance

Erie has been around for 90 years.   They are currently rated A+ (Superior) by A.M. Best.  Erie Insurance ranks highest in customer satisfaction according to the J.D. Power 2015 U.S. Insurance Shopping Study.  This is the third year in a row that Erie has achieved this award.

Chris, Kathleen, and Brian Shnoebelen (Indesure) – (630) 580-5544 – Indiana

Kansas

Kansas Rideshare Insurance – 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

Farmers Insurance was one of 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.

Drive with Uber 3

Kentucky

Kentucky Rideshare Insurance – Drivers in Kentucky are somewhat limited in their options for rideshare-friendly insurance.  Recently, Erie Insurance started offering rideshare friendly insurance.

Maine

Maine Rideshare Insurance – Drivers in Maine are somewhat limited in their options for rideshare-friendly insurance.  Recently, GEICO started offering rideshare friendly insurance.

Maryland

Maryland Rideshare Insurance – Drivers in Maryland can now get rideshare approved coverage through Geico.  After an initial test run in Virginia, Geico decided to roll this feature out to drivers in Maryland in March of 2015.  This policy eliminates the “insurance gap” during Period 1 (app on, no pax) and ensures that you won’t be dropped by your personal auto insurer for being a rideshare driver.  Although Geico is the only current option in Maryland, I suspect many of the top insurers will follow suit in the upcoming months.

Drive with Uber 3

Erie Insurance has also begun offering rideshare insurance in Maryland.

Massachusetts

Massachusetts Rideshare Insurance – Despite Boston being one of rideshare’s top markets, insurance companies have been fairly slow to adapt to all the new demand.  USAA recently started offering rideshare “gap coverage”.

Liberty Mutual

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.

Recommended Agent in MA

Drive with Uber 3

As an independent agent with multiple rideshare options, Yaniv Natanov has helped hundreds of drivers obtain auto insurance policies that help fit their needs. With over six years of experience in the auto insurance market, he has developed a  very strong niche in the Ride Share space and takes a very consultative approach. Please feel free to contact him as a resource to some of your concerns and insurance needs.

Yaniv Natanov – (240) 309-6001 – Massachusetts

USAA

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.

USAA Rideshare Information and Quote

Minnesota

Minnesota Rideshare Insurance – Farmers recently added Minnesota to its growing list of states where they now offer rideshare friendly policies.

Farmers

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 Agent in MN

Natalie Fox – (952) 229-5157 – Minnesota

Nebraska

Nebraska Rideshare Insurance – 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.

Mercury is also now offering policies in the state.

Farmers

Farmers Insurance was one of 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.

Nevada

Nevada Rideshare Insurance –

Mercury is also now offering policies in the state.

Farmers

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 Agent in NV

Bonnie Grant – (702) 279-4299 – Nevada

New Jersey

New JerseyRideshare Insurance – Farmers recently added New Jersey to its growing list of states where they now offer rideshare friendly policies.

Farmers

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 Agent in NJ

Henry Robinson– (908) 473-9196 – New Jersey

New Mexico

New Mexico Rideshare Insurance – 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.

Mercury is also now offering policies in the state.

Farmers

Farmers Insurance was one of 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.

Ohio

Ohio Rideshare Insurance – Farmers recently added Ohio to its growing list of states where they now offer rideshare friendly policies.  GEICO also is offering rideshare “hybrid” policies as well as USAA offering “rideshare gap” coverage.  Erie has a rideshare insurance option.

Farmers

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 Agent in OH

John Holmes – (513) 818-1885 – Ohio

USAA

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.

USAA Rideshare Information and Quote

Oklahoma

Oklahoma Rideshare Insurance – 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.

Mercury is also now offering policies in the state.

Farmers

Farmers Insurance was one of 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.

Pennsylvania

Pennsylvania Rideshare Insurance – In March of 2015, Lyft announced that Progressive would be piloting a rideshare insurance program and they remain one of the only options for drivers in that state.  Since then, GEICO and Erie have begun offering rideshare insurance options.

Erie Insurance

Erie has been around for 90 years.   They are currently rated A+ (Superior) by A.M. Best.  Erie Insurance ranks highest in customer satisfaction according to the J.D. Power 2015 U.S. Insurance Shopping Study.  This is the third year in a row that Erie has achieved this award.  Erie offers rideshare insurance that covers Period 1, 2 and 3.

Brian Kanterman, Miller Phillips Insurance  – (724) 352-1501 -Pittsburgh / Western PA

South Carolina

South Carolina Rideshare Insurance – GEICO is offering rideshare “hybrid” policies.  The newest option is Allstate, which is now offering rideshare endorsements.

Tennessee

Tennessee Rideshare Insurance – Drivers in Tennessee now have more options for rideshare-friendly insurance.  Tenessee Farmers Mutual offers a rideshare insurance option along with Farmers and recently, Erie Insurance started offering rideshare friendly insurance too.

Erie Insurance

Erie has been around for 90 years.   They are currently rated A+ (Superior) by A.M. Best.  Erie Insurance ranks highest in customer satisfaction according to the J.D. Power 2015 U.S. Insurance Shopping Study.  This is the third year in a row that Erie has achieved this award.

Erie Insurance Recommended Agents in TNApplegatelogo

Jeffery Sullivan – Applegate Insurance Agency – (865) 240-2348 – TN

Texas

Texas Rideshare Insurance – Texas is one of rideshare’s top markets and there are now six options for drivers in the Lone Star state.  Geico recently expanded its rideshare offerings to Texas and if you’re a USAA member, you can also get a policy through them too.  Allstate has introduced its new rideshare policy in Texas.  Farmers, Progressive and MetLife also offer rideshare insurance options.

Allstate

Allstate’s new rideshare coverage is unique.  While it provides coverage 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 TX

Carl Hellwege – (817) 430-6331 – Dallas / Fort Worth

Farmers

Farmers Insurance was one of 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 TX

Gretchen and Michael Fagan – (281) 357-4477 – Houston

USAA

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.

USAA Rideshare Information and Quote

Utah

Utah Rideshare Insurance – Farmers insurance recently started providing rideshare policies to drivers in Utah.  We have spoken with the agent below to ensure that he understands the needs of rideshare drivers so if you have more questions or would like to get a policy feel free to give him a call.

Farmers

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 Agent in UT

Diego Ciulupa – (801) 613-2594 – Utah

Virginia

Virginia Rideshare Insurance – In February of 2015, Geico rolled out a new product to meet the insurance coverage needs of ridesharing drivers in Virginia. The product, available now to new and existing customers, covers drivers that Uber (UberX and UberXL), Lyft, Sidecar and others have approved to drive for them.  This policy eliminates the “insurance gap” during Period 1 (app on, no pax) and ensures that you won’t be dropped by your personal auto insurer for being a rideshare driver.  Although Geico is the only current option in Virginia, Allstate is due to rollout its rideshare policy very soon.

Erie Insurance has also begun offering rideshare insurance in Virginia.

Washington

Washington Rideshare Insurance – Metromile is a relatively new insurance player but they offer a unique product exclusively for Uber drivers.  USAA, Allstate and MetLife have also rolled out their rideshare options so there are now four options.

USAA

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.

USAA Rideshare Information and Quote

Wisconsin

Wisconsin Rideshare Insurance – Wisconsin now has two rideshare insurance options:  Farmers and Erie.

Indesure – (Offers Erie Insurance)logo snip (1)

Indesure is a family based independent insurance agency that specializes in rideshare driver insurance.

Indesure – Illinois – (Offers Travelers & Erie Insurance)

Erie Insurance

Erie has been around for 90 years.   They are currently rated A+ (Superior) by A.M. Best.  Erie Insurance ranks highest in customer satisfaction according to the J.D. Power 2015 U.S. Insurance Shopping Study.  This is the third year in a row that Erie has achieved this award.

Chris, Kathleen, and Brian Shnoebelen (Indesure) – (630) 580-5544 – Wisconsin

Farmers

Farmers Insurance was one of 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.

Please leave a comment below if there’s a company we left out in your state.

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-Harry @ RSG

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I'm Harry, the owner and founder of The Rideshare Guy Blog and Podcast. I used to be a full-time engineer but now I'm a rideshare blogger! I write about my experience driving for Uber, Lyft, and other services and my goal is to help drivers earn more money by working smarter, not harder.
  • Lori Albertson

    Hi Harry, I stumbled across your blog and am so very grateful to have found you and your ideas and information. I drive for Uber in Idaho. Do you know of any insurance companies for my state? Thanks, Lori

    • Awesome, glad you found my site too. Unfortunately nothing available atm in Idaho but I suspect there will be at least 1 option for all states by the end of the year. There’s just too much $$ at stake for insurers to ignore this.

      • Lori Albertson

        Thank you Harry. I also am starting an elderly transport company. Any ideas on insurance for “taxi,shuttle” business for Idaho?

        • A lot of rideshare companies (including Lyft/Uber) use James River.

  • anna lee

    Hello, Hawaii please!!

  • Anything for NC?

    • Eamon

      2nd for NC

    • Joshua Ethridge

      5th for NC

    • Beverly Knight Stanback

      6th for NC. I got a quote from ncuberinsurance.com for $200-225 per month. I have no points on my license, am 52 yes old and drive a 2005 Honda CRV. On my regular Geico policy, my payment with three cars, one with collision, isn’t even $70 per month. I only average $450+/- per month pay from Uber. No way I’m gonna give insurance half. I’m off the road until NC gets itself together.

  • AZwantstodrive

    I’m still waiting for options for Arizona drivers. I am not driving until I can get an acceptable policy but cannot afford a commercial policy at this time.

    • anoriginalmetfan

      Ditto for South Carolina. Tapco (as referenced above) does not offer ridesharing insurance.

    • Kaz411

      Farmers is now offering policies in AZ. UBER sent out emails and some insurance agents are advertising this in FB rooms. May as well start driving now while theres still a little bit of money to be made-fares will drop again after Phoenix Open.

      • Just updated the page 🙂

        • AZwantstodrive

          Thanks! I have not driven all this time. I’m hoping that it’s still a good opportunity. I may look into Veyo since I live near a retirement community with potential for a lot of doctor appointments.

          • John

            Go to a Farmers agent. They will take care of you.

      • AZwantstodrive

        Thanks!

  • cb1000

    I don’t think i even want to know what NJ will come up with…
    Harry – this is a great resource. So glad I’ve found it. I’m looking to start driving, and this blog has given me a lot to think about.

    • Haha, the good news is that more and more options are available every week. And thanks, definitely appreciate. Make sure you opt in and check out the free 20 page Lyft guide that we’re giving away: therideshareguy.com/email

  • Galen Hefferman

    What about OR?

    • Redhorseman

      There is nothing in Oregon. I’m in the same boat, brother.

  • Awesome 12

    Well,when i checked with Geico(my personal auto insurer) about the hybrid insurance they offer in Virginia,they declined to give me the hybrid insurance.The reason?coz my vehicle has 8+ seating capacity and they don’t offer hybrid insurance for those.I don’t what a 5 seater or 8 seater makes a difference when they both are used for same purpose and they do offer personal insurance on both.

  • Michael G Caster

    Hi Harry! Found your podcast and have been listening to it at work! I work in Las Vegas as a mail carrier, so I have been able to be caught up with the podcasts. Uber and Lyft will be in Vegas September 14th if all goes well so I’m really excited! I really want to get the right insurance before things get started, do you know anyone down here that I should contact? Thanks for the great help!

    http://lasvegassun.com/news/2015/aug/14/uber-lyft-could-be-nevada-roads-month/

    • Awesome thanks for the support Michael. Don’t know of any companies specifically for NV yet but will update the post when I do.

  • Kyle Hartman

    I have a Farmers Agent I meet at the Uber offices in Denver, that is “in the know” about ridesharing insurance you can add to your list. Where can I pass that information along to you?

  • Chris Gross

    So now that Rideshare has been legal statewide in WI sonce 7/1, I have been waiting for policies to be released. Nothing yet.

  • Western Civ

    Liberty Mutual also will not drop your personal insurance coverage in Massachusetts if you drive for a rideshare, though it doesn’t cover the ap on/ no pax gap.

  • Nathan

    Hello!

    New Uber Drivers! Sign up with this special link and get up to $500 when you
    start driving:

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    Driving’s an easy way to get paid for driving your own car on your own
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  • Wafiya Samuel

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  • Nate Sunnaa

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    Driving’s an easy way to get paid for driving your own car on your own
    schedule. Come help
    people get rides around town with Uber.

    Enjoy!

    To get your referral reward, you must sign up with
    your friend’s invite code and complete a minimum amount of trips

  • Tom Van Boven

    Is any insurance available in Arizona?

  • Princella

    Hi Harry, thank you for this very informative article. It is much appreciated since I was asked by my insurance company if I would be ride-sharing, that started my search for ride-sharing insurance and this site. You know the story, they will cancel me if I’m in an accident while driving. I think it is worth paying the extra and being safe rather that sorry later. Here is my Farmers agent -Theresa Moultrie 323-290-0447, she is located in Los Angeles.

    Thank you for sharing this information since there are more and more people signing up everyday to be drivers.

  • Bob Dienes

    I’m waiting for Oregon. any ideas?

  • Hi Harry, thank you so much for all the hard work you put into keep this blog up-to-date with such helpful info. It’s become my GOTO for questions/concerns about rideshare driving. I’d like to contribute what I learned today from calling Geico about rideshare insurance. I live in Texas, and, from YOUR blog, learned Geico offered a ridshare policy. I am currently a customer of Geico’s. After talking with them, I will say that the info you have on your blog is pretty accurate. I would also say to all rideshare drivers out there that you really are putting yourself (and your passengers) at high, high risk by not having a rideshare policy. As Harry and others mention, there is a very high likelihood you’ll get dropped by your carrier if you’re in an accident and they find out you’re a rideshare driver – even if the accident occurred while you were “off duty”. While the policy is a bit expensive, Geico’s price was about 3X my personal policy rate, and not the 10X or 20X which some people have said. I know drivers in other states are having difficulty finding carriers to cover them, but you might give Geico a call.

  • Steve Hoffmann

    The statement above that the Farmers Ins. Rideshare Policy is only an 8% increase is inaccurate. The amount of increase is dependent on the same factors that affect your regular insurance policy and even with a spotless driving history it’s more than 8%. I’ve spoken with 2 separate Farmer’s agents and both had the same exact info and both were baffled at where the 8% figure ever came from.

    The policy they give you isn’t with Farmers, it’s with a sister agency that Farmers uses for these policies. If you are already a Farmers customer you will have to drop your Farmers Ins. policy and create a new policy with this other company. You will give up the convenience of a fixed monthly payment. You will have a 6 month policy that has a large payment up front and 5 more smaller payments. Your policy will get reviewed every 6 months for increases, instead of just once per year with the regular Farmers Ins. policy.

    There are a few more changes but that’s the major changes. Personally I don’t drive Uber enough to even worry about the extra insurance, it’s simply not worth changing my entire policy and payment plan to accommodate something that is questionable if you need or not. I don’t chase Surges, so when I’m logged into the Partner App and “working” I’m not moving and I’m at very low risk of ever getting into an accident in Phase 1.

    So depending on if you chase the Surges or simply like to keep moving or you do what I do and save gas, wear and tear, and lower my risk by sitting and waiting for a customer, will depend on if you really need to deal with additional insurance.

    Oh, and both agents said they would not drop me as a customer if I decided to drive without the additional coverage. And….if I did get into an accident that Farmers would still cover me but would then demand I switched to the additional rideshare coverage. Just food for thought.

    • Hmm I have not found that to be the case but will look into it, thanks for the heads up.

      • Greg Washburn

        Steve in California it is true that you will have to switch your auto policy from Farmers to Bristol West. Farmers does plan to offer the rideshare endorsement directly on the Farmers policy in California in the future.
        I am a Farmers agent in Colorado and here we do only offer the rideshare endorsement with Farmers auto policies. I hear we may add it to Bristol West down the road but who knows.
        Just because both agents say they won’t drop you as a customer doesn’t mean it won’t happen if you drive without the rideshare endorsement. I would be very cautious of knowingly misrepresenting your driving situation. Farmers has been very lenient on material misrepresentation in the past but there is no guarantee this stance will continue.

  • David Jess

    Why not require Uber to provide safe and sane insurance options and verify coverage before Day 1, before Ride 1 begins?

  • David Jess

    I think that an optimal insurance underwriting would discount the rate for Rideshare drivers, not increase it, taking into account that the Rideshare company provides coverage and few miles are spent in Period 0 or Period 1.

    I, for example, drive about zero miles a year in Period 0 in one of my cars. I also drive very few miles in Period 1 because I am a sit and wait style of driver. I use about 30,000 miles a year in Periods 2 and 3.

    • Scott Ferrel

      More time on the road actually means more risk. Commercial pursuits are expressly excluded in your personal auto policy for a reason. It keeps the Commercial Risk Pool and the Personal Auto Risk Pools pure, if you will. That way they are underwritten/rated fairly.

  • urallcrazy2012

    why isn’t Michigan on the list of options?

  • Dave Boyd

    Any Insurance solutions for North Carolina yet?

  • coffeetogo

    If one lives in a state where there is no coverage presently available, how would one go about get the ball rolling to make it happen?

    • That’s a good question – I think the best place to start is going to be to reach out to the lawmakers as I don’t think the TNCs (Uber/Lyft) or the insurance companies are going to be much help.

  • Mike

    what insurance options are available for those driving in las vegas. I know many who are doing this illegally now or may not even know or care

    • We haven’t been able to find anything yet but we are working hard on it..

      • Mike

        so you are telling me, the 1500 plus drivers in las vegas currently are all driving illegally in reference to their insurance policies, and would be terminated/cancelled/not covered in event they were in an accident?

        • Unfortunately yes: therideshareguy.com/rideshares-little-white-lie/

          • Mike

            So Uber/Lyft must know this, I mean they 100% know this. and they are pushing people to drive and be productive all the while not even looking out for their best interests. I mean an accident could be very damaging to them/their families/their future. And all they have to say is go drive and make some money?

    • Rebumarli

      I recently heard Nevada General will cover us in Nv.

      • Interesting, let us know if you’re able to get a policy with them. We’re also looking into Liberty mutual atm.

  • Fadnohra

    Hi there, I’ve been searching for this info all day! Any insurance info for Louisiana?

  • Rickshaw

    I just signed up with uber and insurance seems an issue i did not realize. if you have a specific car for the service only i don’t get it as Uber covers you? With so many drivers it seems all Uber would have to do it buy an existing insurance company and write its own policy’s for drivers. Why be a one trick pony company?

    • That would be a simple but expensive solution. There are policies available in certain states now as illustrated above but still an issue for many drivers that they may not even be aware of. Here’s a recent article I wrote on Vegas uber drivers but applies to pretty much all drivers really: http://www.forbes.com/sites/harrycampbell/2015/10/07/why-are-so-many-las-vegas-uber-drivers-lying-to-their-insurance-companies/

      • Rickshaw

        follow up Farmers quote for insurance in Ca. was double the premium Metromile quoted which was about $95 a month. Though with Farmers you can drive with multi companies. Life is good being the only provider in a space.
        P.S my driving record as for most i would think is spotless

        • You’re right about that. For most, Farmers will be more expensive since many are coming from multi-policy discounts, etc but up to you to decide if the peace of mind is worth it. There are more carriers coming on every day though so prices should go down as competition increases.

  • Midriving

    I just spoke to AAA Michigan and they will cancel my policy even if Uber pays for the damage. Please let us know when there is a company that offers coverage or at least won’t cancel me in Michigan. Thanks for your info!

  • Midriving

    I just spoke to AAA Michigan, and they will cancel me if I get in an accident even if Uber covers it. Will you be making a specific post when any insurance company in Michigan offers some coverage or at least won’t cancel me?

    • Sure, or at the very least we will update when a couple more states add policies.

  • shawnwilson

    Hey guys I am an insurance agent in Louisiana and several companies are beginning to offer coverage for rideshare drivers. This is very important as I also am a rideshare driver and know the struggle. Would love to be a contact in Louisiana for rideshare drivers.

    • Steve Shelley

      Hi Shawn,

      How can I contact you about this?

      Thanks,
      Steve S.

    • Kam Kam

      Haven’t started driving yet, but I want to drive in Louisiana soon. Do you have info on LA insurance for part time Uber drivers?

  • Polly Brake

    So is Geico the only insurance company in virginia that offers TNC insurance and will it replace my existing insurance coverage or an additional policy?

  • Polly Brake

    Any other insurance company besides Geico issuing policies for rideshare drivers? Also, does Geico’s new coverage replace our existing personal coverage?

  • Trip

    I came across your blog the other day when I began hearing about insurance horror stories of ride share drivers being cancelled after the insurance carriers found out that the policy holders were driving for a ride share company. My wife is the actual Uber driver and I was afraid she would have to quit without the proper commercial policy.

    Well thanks to your blog I found that Geico now offers very affordable policies for ride share drivers in Virginia. We switched all of our vehicles and kids from one policy on another insurance company to two individual policies with Geico. One for the Uber car and the other personal policy for our other cars and the kids.

    The amount per month is actually much less than our old (personal only) policy was with the other company. Some of it may have attributed to better driving habits from all of the family but regardless it is a welcome relief knowing that the wife can keep driving for Uber (which she loves) and the premium was even less. The new policy goes in effect tomorrow and my wife will begin driving again after a few days break because of the insurance worries we were having.

    Thanks so much for the great insurance info and for your now regular reading material in your blog.

    • Wow that’s great to hear, and pretty cool that your rideshare policy actually ended up saving you money!

  • TJackeddy

    Rideshare insurance now available in Kansas through Farmers.http://www.insurancejournal.com/news/midwest/2015/10/19/385449.htm

    • Nice, good to know. Let us know if you find a reputable agent that is offering policies 🙂

  • Jesse

    Harry, I want to start driving in FL but I don’t want to take the risk of doing so and losing my coverage. Do we have options here in FL for rideshare ins?

    • Haven’t been able to find any yet but we’ll update this post when we do.

      • NatKaps

        Any update on this please? I was also told no by StateFarm…

        • Nothing yet but if you fill this out, we’ll notify you when new options become available.. thx!

    • Barry

      Hi Jesse, I live and drive for Uber in Broward County Florida. I use State Farm and they had no problem with me Uber driving when i told them.

      • Hmm I wonder if this agent is mis-informed, it’s been known to happen. Hopefully not though..

      • Larry71150

        I contacted a State Farm Office in Ft. Lauderdale Florida, Broward County and they indicated State Farm does not insure if someone drives for Uber or Lyft.

        • Barry

          Well i have been insured with State Farm for over 6 years. When i started driving for Uber i contacted my agent and told them they had no problem. When i bought my new Toyota Prius my wife was not convinced we could insure while i do rideshare (part time) so we called State Farm during the weekend and confirmed that i could drive for uber/lyft and be insured. I can only assume that State Farm will not insure NEW policies…. driving rideshare

          • Larry71150

            Thanks for the response. Possible I contacted an office who was not up to speed. Would you mind giving me the name and number of your agent so I can get insurance as I have called a number of different companies and have not had any luck. Thanks for helping out….

          • It isn’t uncommon for agents to be misinformed when it comes to rideshare insurance 🙂 Just read the policy though for the official answer.

        • Ian

          There seems to be a bit of confusion regarding when a company covers Uber drivers. I’m not sure about FL, but here in NY State Farm doesn’t deny you coverage simply for being an Uber driver on the side. However, the misunderstanding among people is when State Farm does cover you and when they don’t.

          According to the policy contract, at least for NY anyway, they HAVE to cover you while you are waiting for a passenger or driving to one. You are not covered by State Farm from the moment the passenger enters your car until the moment they exit. During this time you are covered by Uber.

          Just to clarify, no personal car insurance will cover you while you are carrying a passenger for a charge, period. Some companies do deny coverage simply because you use your car for business on the side. State Farm does not deny you coverage as long as the Uber use of your vehicle is less than 50% of the total.

          • Larry71150

            Thank you for your response. If there are any Uber/Lyft drivers in Florida that can shed some additional information on this, please post. I realize that in Florida, at least for now, there is not an insurance company that will insure a driver who drives for a ride-share company while in the “driver mode”. But are there any insurance companies in Florida that will knowing allow you to drive for Uber/Lyft and keep you covered for non Uber/Lyft driving time.

            Larry Whitacre
            Cell 904-502-0892

        • Glenn James

          My agent for SF told me I could have up to %20 of my income in rs, and my coverage would shut off after going online each time.

          • That doesn’t sound right, I’d talk to one of our CA agents that we have listed above and see what they say.

          • Glenn James

            I’ve even checked Geico, they won’t carry my Pilot because of the passenger capacity. And I don’t qualify for USAA. Gw

        • that is correct, they don’t. It’s not uncommon for agents to be misinformed when it comes to rideshare insurance.

    • Not yet unfortunately..

  • Leila

    I am in Arizona and plan to start driving in a few weeks I have my insurance guy Dave Grimm doing homework for me so once I am set up to drive I will be prepared, once he lets me know what he has found for Arizona I will post it here for you.

  • Ralph John Verzillo

    seeing i cannot purchase ride share insurance as an uber driver that means anyone driving for uber in massachusetts is committing insurance fraud if this coverage is not yet available i have checked with endless companies for coverage with no success if anyone has an answer for me plz call 774-696-1592

  • Ralph John Verzillo

    i guess i’m out of business till i find affordable insurance in massachusetts

  • Jessica Kliskey

    Patiently waiting for NH to provide rideshare insurance

  • Rick Kramer

    Farmers offers ride/share insurance in Kansas.

  • mrgfg73

    I called my insurance company Liberty Mutual and they said that they would not drop me for being an Uber driver partner, but they would not insure in Phase 1 which would make their insurance pretty worthless. After reading some of the comments on different forums, I decided to try Travelers Insurance. They were more than willing to offer a policy that covers through Phase 1 until James River kicks in in Phase 2. The policy was pretty inexpensive. I changed my auto and home away from Liberty and it’s actually cheaper now overall. The total accident coverage isn’t quite as good as Liberty but at least I’m covered in Phase 1. This is in the state of Illinois.

    • Yea LM will only ‘not drop you’ which I will say is better than nothing but probably not worthy of switching to. Good to know about Travelers, thanks.

      • mrgfg73

        I just called the Travelers main corporate sales number. I didn’t work with a local agent. The agent that I spoke to in corporate, James Branch, was exceptionally good and seemed to understand all of my needs for Uber. I asked if I could call him directly but he said that there are 350 agents in the call center so I just had to call and speak to whoever answered.

  • Scott Ferrel

    I own a Farmers Insurance agency in Kansas and Missouri. The coverage is currently only available in Kansas, and my agency would be happy to assist any KS drivers with their needs.

    http://www.theferrelagency.com 913-667-7998 jferrel@farmersagent.com

  • Jay Bartgis

    I just don’t understand how an insurance company can actually KNOW if you get into an accident without anyone in the car… what’s preventing the driver from shutting off the app and never even bringing up uber like, “oh yeah I was just on my way to the grocery store.” How would they ever know you’re even an uber driver in the first place? I guess they would have the decal stickers… but… what are they going to do? Go to uber and actually verify you weren’t on the clock if they notice your decals and put two and two together?

    • They wouldn’t but it’s just more a matter of not wanting to have to lie. Some people are willing to pay for the peace of mind.

      • JuanFranFan

        It’s more than peace of mind is it not? It’s about not committing insurance fraud and turning into a criminal. There are two crimes introduced by the problem. One is driving without real coverage during certain minutes or hours. The other is fraud if involved in an accident.

  • Scott Starnadori

    Progressives PA pilot with lyft is non-existent. Hours on the phone today with both the personal and commercial departments. They had no idea. Had to point them to lyft hub site and show them. They quoted $8400 year for a 2015 Mazda 6. And said that was the pilot.

  • Michael Baldwin

    Hi! I’m a Farmers Agent in California, and you should know about a change they made last week. Farmers only offers their “rideshare endorsement” through their Farmers Specialty division, which is typically where they insure the “sub par” drivers. Last week, they changed their procedures so all new clients who plan to pay for their policy monthly must go through an underwriting review which can take “at least” 10 days, after which they may or may not be approved. The only way to get instant coverage is to pay for the entire 6 month policy upfront. Also, one reason that the Farmers policies with this coverage are more expensive than MetroMile is that Farmers requires 50/100 coverage for the rideshare coverage, which is higher than the legal minimum on 15/30.

    • Thanks for the info Michael. I’ve seen a pretty wide range of quotes on the Farmers policies and for some drivers the rideshare endorsement is in line with what they pay with other companies and for others it is 2-3x.

      Mercury recently started covering drivers in CA so we’ll be updating our page this week but I also suspect the competition will force Farmers to lower prices.

    • Bonnie Oplinger Grant Lutcf-Fs

      I just wrote and issued 3 policies in NV through Farmers Insurance. I can issue a policy in 30 minutes! Call me at 702-279-4299.

  • Brian White

    For commercial insurance try-http://www.transpoinsurance.com/. Your results may vary but they were the most helpful and gave me the best quote after I called several companies.

  • Sue Guyton

    Hi my husband and I are in Oregon and he is currently wanting to do Uber in Portland so we can make enough extra money for him to work locally rather than having to travel out of state for work again, he would only work 10-20 hours max a week for rideshare to make up for not having overtime at the current job. After going through the process of signing up we then started reading all the insurance horror stories. I have called a multitude of brokers and companies and have found none that will insure. I have found State Farm will not drop us if he drives for Uber or Lyft, Liverty Mutal told us the same but another agent told another driver the opposite when they called. I have also been following all the City Council meetings to see what they come up with which is what seems to be holding the insuracne companies back, there is a very clear need for it with TNCs taking on almost 3/4s of the total paid rides in the area WITHOUT taking any away from the existing number the current taxi system have, as found in the citys 3 month trial period. I am hoping they get this sorted as soon as possible as we really need it to keep our family together. I hate playing single mom to 4 children and running a farm on my own. If you can find anything else would love to know.

  • bsbfankaren

    Any new Washington State insurance companies?

  • Wendy Schumer

    What about OR? I keep seeing yes and no – is there rideshare insurance in OR?

    • haven’t found anyone yet 🙁

      • Wendy Schumer

        Would forming an LLC provide some protection?

        • Yes I think it would: therideshareguy.com/day-1-should-you-form-an-llc-for-your-new-rideshare-business/

  • Jonathan

    Hey Geico Is the only company in the Maryland the offer the rideshare insurance beside the state provide program. I have been with Geico 17+ years and because I call up asking a rideshare the send me a cancellation notice for my personal policy due to the fact I drive for Uber and deny my request for rideshare insurance. Check with state back insurance and they want $4000.00 year so now I am about to be without insurance.

    • That sucks man, yea unfortunately you want to call up anonymously if you’re gonna ask about rideshare insurance. Did you get a quote with Geico’s rideshare arm though?

      • Jonathan

        They say I don’t qualify but won’t tell me why?

  • Leila

    Hey Arizona Ride share drivers, here is an article that AZ Central posted last week.

    Ride-sharing rockets, cab service falls after Arizona change

    http://www.azcentral.com/story/money/business/consumers/2015/11/25/ride-sharing-expands-quickly-after-change-arizona-law/76260864/

  • Carl R. Washington

    Thanks Harry! Do you know how many drivers Lyft has?

  • Carl R. Washington

    I am putting together a marketing campaign for a client and I need some facts that I am not finding on line. How many global passengers does the industry think it will give rides to 2016?

  • runjinxrunCA

    Does the uber/Lyft policy cover property damage to the driver’s vehicle? I believe it is a liability only policy, that would mean along with liability coverage it extends to property damage caused by the driver but not to his vehicle, correct? While inside the Period 1 window with a mainstream insurer — which means the driver is logged in but hasn’t had a hit, so that’s an extremely limited time frame– the comp/collision might extend (Mercury I believe handles it that way). However, I don’t know of an insurer that covers the driver’s vehicle while driving to the pickup spot, and I just don’t know how the uber/lyft coverage would extend in terms of the driver’s vehicle.

    • Driver’s vehicle would be collision and that’s covered with a $1k deductible for uber/$2.5k deductible for lyft in periods 2/3 only.

      In period 1, you get no collision coverage from lyft/uber which is why a rideshare friendly policy is so important. The one from Mercury for example does provide collision coverage during period 1, as does Farmers, etc..

  • Mark Ferreira

    I live in Las Vegas,NV Any in my state?

  • Eva Odland

    So I just found out that my Wisconsin progressive personal auto policy will not cover me, my car or passengers while online in Uber it also excludes lien holder protections. They also will not renew my existing auto insurance policy because of ride sharing rules changes in Wisconsin. It seems I am likely forced to purchase a commercial livery auto insurance policy before I can continue to drive and be protected beyond what Uber provides. The implications are large. It could be good though. If I find Uber driving is going to part of my life going forward then I will move both of my cars, one of which I use to Uber drive with to a personal/commercial policy it is looking like it runs about twice that of a personal policy. Understandable as the number of miles driven dramatically increases. So as it is a commercial policy it would be deductable as a business expense. However….how that works remains to be seen. The other option is to stop Uber driving, deactivate and remove my account and keep my existing policy (which will change anyway in Feb. 2016) and probably cost me more because I was Uber driving. (I have two other growing small businesses so having a commercial auto insurance account might be advantageous)

    Uber WI will probably need to make changes to its new driver signup procedure and verify the insurance they have is suitable. It appears that Progressive has actively made changes to policies based on ride sharing, but they are offering a commercial plan in WI that looks fair and would cover above and beyond what Uber provides.

    Lots more to figure out in the coming weeks before the new year….Insurance, taxes…and if driving is something I will make a larger part of my overall income.

    • Thanks for sharing, if only most drivers did their due diligence like you have..

  • Redhorseman

    Harry, with policies like MetLife and Metromile, that are exclusively one company or the other, does that mean that if you drive for multiple companies, those policies would only cover you on one platform? Or just that the integrated mileage billing benefits would only occur with miles driven on one platform?
    All of this is hypothetical since I’m in the insurance desert of Oregon, but when the time comes I’d like to be prepared.

  • HASnLA

    Hello. Just wanted to share my experiences with Farmers. I live, drive for uber, eat and play in CA. 🙂 I used to have a Farmers policy for my car. But when it came time to inquire about a rideshare-friendly policy earlier this year, Farmers wanted to shift me from a good 1-year policy with a good price to a 6-month policy with not as good a price. Moreover, the policy Farmers offered was actually one first used by an insurer Farmers had recently bought and which was designed for high-risk drivers! (And I am definitely not a high-risk driver. I haven’t had an accident in three decades or a moving violation since 2008.) So I was happy that metromile came along. I haven’t compared its prices with what I would have paid Farmers for that new policy. But it is very competitive if not lower than Farmers. At least I know I’m not getting charged for miles I drive for Uber.

    • Good to know, did you get a quote with Mercury?

      • HASnLA

        I did not. I don’t like their political stances; Mercury bankrolled two very anti-consumer car insurance ballot measures in CA in recent years. Not going to give them my money to do more of that.

  • Zak

    any idea if Florida will have a ridesharing insurance any time soon, I been driving my personal insurance and althought I carrie a bigger insurance than my state minimun is also have Zero deductible, I do not want to lose my insurance

  • Dan Ruiz

    do you have to pick up a full police with the gap (rideshare) coverage. Or can you just get the gap coverage? Just asking if anyone knows…

  • Debbie

    I drive for Uber.. minimally.. just when I have time and I just got a great quote that was not more than my regular insurance had been with Geico for PA. they write for a number of States. https://www.geico.com/information/aboutinsurance/ridesharing/faq/#where_is_ridesharing_insurance_available

  • SliMDxxDC8

    How’s it going? So I’ve been using metromile as my primary insurance and so far it isn’t going too well. I like the fact that I’m not being charge when I’m driving with uber but outside of that kills me. The amount of money I’m going to give them this month is enough to make me cancel my policy immediately. I’m in California by the way. Any suggestions?

    • Yikes, yea I’ve heard that multiple times now about Metromile. Have you gotten a quote from Farmer’s and/or Mercury? We have recommended agents for both here: therideshareguy.com/california-rideshare-insurance

      • SliMDxxDC8

        I’ve gotten a quote from farmers and I believe in going to switch at the end of this month. My last metromile bill made me lose my breath. I didnt know Mercury was a provider as well. I’ll be giving them a call. Thanks!

  • James G

    GEICO offers hybrid rideshare insurance in Pennsylvania. Affordable with good limits compared to my previous Progressive policy.
    https://www.geico.com/information/aboutinsurance/ridesharing/faq/#where_is_ridesharing_insurance_available

  • Diego Ciulupa

    Harry, I am a Farmers Insurance agent in Utah, I am answering questions at the local Uber office twice a week and I am the only agent un UT selected to represent Farmers at the Uber office. Could you please ad my contact information to the list of agents in UT, Thank you.

    Diego Ciulupa 801-613-2594
    https://www.farmersagent.com/dciulupa

    email: dciulupa@farmersagent.com

  • John Bravo

    http://www.farmers.com/rideshare/
    Seamless Protection for Rideshare Drivers
    Farmers Rideshare is not available for sale online. Call 1-855-808-6599 or talk to your Farmers agent to add this new coverage in Arkansas, Arizona, Colorado, Kansas, Minnesota, Nevada, Ohio, Oklahoma, Texas, Utah, and Wisconsin!

  • John Bravo

    http://www.farmers.com/rideshare/

    Seamless Protection for Rideshare Drivers
    Farmers Rideshare is not available for sale online. Call 1-855-808-6599 or talk to your Farmers agent to add this new coverage in Arkansas, Arizona, Colorado, Kansas, Minnesota, Nevada, Ohio, Oklahoma, Texas, Utah, and Wisconsin

  • Rickshaw

    Just spoke with a AAA agent in Ca. who told me that they would be writing policies very soon he thought within the week. Very competitive with Metromile and we didn’t look at bundling which would also lower rates.

    • Wow that’d be great, let us know if you get a policy and which agent you work with. Thanks.

    • Rickshaw

      Follow up: Not so good for me at least. The first quote was followed by a 38% increase in premiums after the agent was briefed.

  • Holly

    Can u update me on Ridesharing insurance in AZ for 2016? I’m currently have insurance but am afraid to tell them that I may drive for Uber.

    • Yea Farmers just started offering policies in AZ, we’ll update the page this week. Thx!

      • Holly

        Thx Harry! Anxiously waiting for the update!

    • Kaz411

      yes Farmers is offering it here in AZ now. I haven’t gotten a quote yet but I know it’s here, finally,

  • irobb

    What about USAA?

  • Aleksander Bohnak

    I was told by Traveler’s that they do not offer rideshare coverage for Period 1 in California. One acted like they did but then i called another and they did not! Has anyone gotten coverage with Traveler’s in California?

    • No where did you hear that? Not from us.

      • Aleksander Bohnak

        Sorry, I wrote a lengthier comment above and my comment to you was unclear! this was an agent at Traveler’s. I called one, said I would be covered in California. I called a second to finalize my quote and I was told that they do not offer coverage to Rideshare drivers in California. So I am curious if you have heard of anyone else getting Traveler’s with Rideshare in California (California insurance on your site lists Traveler’s as an option).

        • No it does not, where do you see that? It’s an option under Illinois..

  • sstar610

    Finally looks like PA has an option. Geico website offers the Rideshare selection from the drop down. 2015 ford fusion 100/300 hybrid policy (above min choices for all categories) $2660 for the year. Compare that to the $8,200 progressive quote which they say is ridshare but actually just a straight commercial. This now looks like an affordable worry free way to do this

    • Kaz411

      Progressive has, hands-down, the most expensive commercial rates ever. And yes you were quoted for commercial, not Rideshare. I got a similar quote for commercial that was to be under-written by Progressive and it was awful and I am only a weekend driver. Even the insurance broker told me it was a bad idea.

    • Brian Kanterman

      Erie in PA is now rideshare friendly. Allows you to keep personal auto policy, and the multi-policy & multi-vehicle discounts you may benefit from as well. Check the featured agent in Pennsylvania (me) and happy to review your needs& offer options.

  • Redhorseman

    Harry, MetLife rolled out its policy to a total of 5 states, as of October 12. So, they have Oregon surrounded, but we’re still underinsured up here.
    http://www.metlife.com/about/press-room/us-press-releases/index.html?compID=182519

    • WOLVERINES

      What’s the deal with Oregon? Are there some sort of quirks in the law preventing insurance carriers from providing rideshare insurance?

      • Don’t think so, maybe just not a big enough market for most insurers. But my guess would be any month now…

  • Glenn James

    In Texas in Dallas area, I’ve contacted GEICO about coverage, they told me because of the carrying capacity of my Honda Pilot, that they would not cover it. Gw

  • Jasmine Parson

    Hi all, any input would be super helpful. I currently have Traveler’s insurance but I was on my father’s policy. I am looking to get a policy of my own, making me a first-time auto insurance purchaser, ever. At 30! Feel free to judge, that is pretty darn ridiculous 🙂
    I LIVE IN FLORIDA. As everyone knows, there are no rideshare-friendly policies in the state, yet. My question for Harry or any other site contributors, is there any company that you would recommend for me? Do you foresee any insurance company being the first to offer an uber-friendly policy in Florida? I looked at the companys by state and it seems that Geico and Farmer’s are most prevelant. I would love to go with Allstate since I can bundle with my renter’s insurance. However, wouldn’t it be better to go with a company that’s uber-friendly in other states with the assumption that they will eventually transition to Florida.
    Again, ANY input would be helpful. Thanks in advance! Btw, I LOVE the email updates.

  • Sana Abbasi

    CALIFORNIA DRIVERS
    I AM A MERCURY AGENT AND CAN INSURE YOU FOR RIDESHARING.
    LOCATED IN CULVER CITY
    BEST CALIFORNIA INSURANCE
    (310)876-0989
    (310)876-0989

  • UberDelay

    Just found out from speaking with 2 agents. Erie insurance will cover ridesharing in Pennsylvania under business use.
    I tried to get a quote but every agent I speak to says I MUST bring all my cars over. I said no. We have 4 cars and homeowners insurance with another. I just want my one car covered. They wouldnt give me an explanation.

    • LyftInPA

      I drive for Lyft in Pennsylvania. Called Progressive and they quoted me $6,120 for a one year commercial policy. It is not at all tailored to ridesharing. Ended up getting a policy from Geico for less than $1K, and only slightly more than my old personal policy with another company that doesn’t offer any rideshare insurance.

  • John

    Here is the skinny on Rideshare Insurance as it applies to Ohio (and many other states). If you drive for Uber or Lyft you need a commercial policy OR a rideshare endorsement for your personal auto policy. Farmers Insurance is the only insurance company in Ohio that offers a rideshare endorsement on a personal auto policy. As you can imagine, a commercial policy is going to cost 2-5 times more than a personal policy with a rideshare endorsement. The amount depends on the driving record.

    Here is your coverage with Uber:

    1. Full coverage on your vehicle under Uber’s commercial policy from the
    moment you accept a fare until you drop them off. Liability limits are 1
    million and you have a $1,000 deductible.

    2. All other times when the application is on, Uber has 50/100/25 ($50,000 per person / $100,000 per accident / $25k property damage), again with a $1,000 deductable. You have no Medical, No Uninsured Motorist Protection, No Comprehensive, and No Collision coverage. So, if you get into an accident, your body and your car will not be covered by insurance.

    You may be thinking that you’ll just file a claim with your personal auto insurance carrier. Unfortunately, when you are using your vehicle for a business, you require commercial insurance by your insurance carrier. If you make a claim while driving for Uber, it will be denied by your carrier. They will know because Uber will file a claim and it will show up on your Motor Vehicle Report. You will have a wrecked vehicle with no insurance to fix it. How do I know this? I am an insurance agent.

    What if you have a lien on your vehicle? If you are still making payments to a financial institution, they require full coverage on the vehicle at all times until the loan is repaid. If you get hit without carrying a fare, you have no coverage and you will continue paying for a wrecked car that you can’t drive. Once Uber realized they had this issue, they approached insurance companies to help their drivers and Farmers stepped up and created this endorsement specifically for Uber drivers. By attaching a rideshare endorsement to your Farmers personal auto policy, you will continue having full coverage and meet all insurance requirements should
    anything ever happen to you. In fact, FARMERS is the carrier of choice for Uber because the other insurance providers with the rideshare endorsement are requiring a commercial auto policy as the base policy.
    The cost for the rider is anywhere from $12-58/mo again, depending on the driving record. Your only other option is a commercial policy which will be, on average, $350-500/mo on a single rideshare vehicle.

    • Thanks John, that is a perfect synopsis. I’ll have Scott reach out to you if you’re interested in advertising and being listed as our preferred agent for Ohio..

      • John

        Sure, have him reach out to me. I would be more than happy to help the Ohio Drivers. I know that Farmers has a table in the Uber offices in both Columbus and Cincinnati, so those agents can help as well.

  • Greg Heath

    I contacted Erie Insurance in Wisconsin and they are offering me gap coverage for Rideshare in WI.

  • Ashley Salisbury

    Allstate’s new rideshare coverage is unique. While it provides coverage 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. – See more at: http://therideshareguy.com/rideshare-insurance-options-for-drivers/#sthash.6x0QW1Kx.dpuf

    Ashley Salisbury
    Licensed agent in Washington and Oregon state.
    360.576.1000
    ashleysalisbury@allstate.com

  • Yankee Bastid

    Travelers and Geico are now available in South Carolina

  • Ashley Roachclip

    I was told if my insurance policy doesn’t cover rideshare related activities, the Uber policy would. Even Uber said their policy covers what the drivers personal policy doesn’t. If that’s true, why do we need a special policy that costs a lot more with that added?

    • No that’s not true – did you read my post? You aren’t covered for collision by Uber during period 1.

  • Sammiam

    I’m in Maryland and Geico’s rideshare insurance is only for a 2011 and up. So that leaves me out.

    • wow that’s weird – why would they not insure older cars? makes no sense..

      • Sammiam

        My immediate thought was their in bed with Uber and trying to force you to purchase a newer car, which I told him I wasn’t going to do. Since Uber cut prices by 30% here, longer hours, less $, harder to make a living.

  • MCIguy

    Farmers also offers insurance for rides hate drivers now in KANSAS. Uber sent out an email a few months ago.

  • RJ

    Nebraska now has rideshare coverage through Farmers.

  • Jason B. Bour Clc

    Farmers also offers the rideshre coverage in TN. The TN coverage started in Feb. This is on our new Smart Auto plan.
    Jason B Bour
    615-429-1679

  • Tom Van Boven

    USAA started rideshare ins. coverage on Feb29th

    • Ride with Me

      What State? I just called for Ohio and they said it wasn’t available currently.

    • TacoRacer

      Although this page lists USAA as providing coverage in AZ, upon contacting them today I was told ‘no’, but it will be ‘available in early 2016’ with no specifics.

      • Tom Van Boven

        They started on Feb. 29th in Arizona. I signed up on March 1st.

        • Do you have an agent you used? Can you share his info with me via e-mail? thx! harry(at)therideshareguy.com

          • Tom Van Boven

            No agent I just went online and called their 800 number they gave me the quote and I signed up

      • A lot of times, certain agents aren’t familiar with the coverage they offer since these policies are so new. Which is why we list agents on this page who specifically know what rideshare insurance is and how it works 🙂

  • Tom Van Boven

    Farmers has a desk setup inside the Uber office in Phoenix. Their quote to me was about $500 more per year than identical coverage with USAA. Unfortunately not everyone can Qualify for USAA. Gee I wonder how much of a kickback Uber gets from Farmers!

    • Farmers is just more expensive in general ime, don’t think they get a kick back to/from uber or anything like that.

      • Ride with Me

        When I talked to the Farmers agent, he explained to me that the rideshare endorsement cost depends on the driving record and credit. The better the driving record, the better the cost. I am a 24 year USAA member but they don’t have rideshare coverage in Ohio so I went with Farmers. I have a clean MVR and only pay @23 more per month by switching to Farmers WITH the rideshare endorsement. The endorsement costs me $13/month. I agree that no one can beat my USAA rate due to 24 years coverage but I find it very hard to imagine Uber is giving kickbacks to Farmers based on what I saw at the Cincinnati office yesterday (see my post). It’s on extra trip per month to pay for the right coverage. You should check with USAA because I talked with them specifically about Uber and was told there was no option for coverage in Ohio.

        • Ride with Me

          fyi, I only moved one car to Farmers.

        • John

          USAA is good to go in Ohio now if you or your spouse is the veteran. Not sure if you wrote the policy with me or not but you now have that option.

  • Ride with Me

    While at the UBER office today in Cincinnati, Ohio, I witnessed one of the young employees telling a partner that asked about the insurance in period 1 that he was covered with Uber’s liability policy, which is correct. The partner asked specific questions about comprehensive and collision that the Farmers agent shared with him and the office personnel told him his personal coverage would cover his own vehicle. The partner called his State Farm agent right there to confirm (in front of the Uber representative) and was told that he had ZERO coverage during period 1 and that State Farm would not pay a claim.

    This caused quite a scene in the office and I overheard a conversation where the young Uber employee told the Farmers agent NOT to share this information with any of the partners that came into the office any more because as far as Uber is concerned most insurance carriers will cover the vehicle and the partners signed off on the insurance clause in their contracts so it is not an issue that needs to be brought up! Yes…Exactly! So, a 21 year old “kid” without an insurance licenses told a partner incorrect information so CYA!

    The Farmers agents have a permanent table in this office and have been very helpful to the partners in explaining the Uber coverage and the rideshare coverage that fills the gap during period 1. I can’t believe that a college age kid is telling a partner (in a situation without full coverage) that he’s covered. Who’s going to win that lawsuit when something happens to that driver in period 1? Probably Uber because he signed the contract just like everyone else without reading and understanding the insurance clauses.

    Look at your paperwork partners…the Farmers agent was correct. CYA. No Comp/Collision/Uninsured Motorists/Medical during period 1, which was NEVER explained when I signed up. I have made the switch to Farmers because my insurance carrier told me I needed to change to a commercial auto policy which would have cost me over $400 per month! My insurance only ended up being $23 more per month but I now have piece of mind knowing I am satisfying the requirement of full coverage for my loan. I don’t know if Uber has different coverage in other states, but my understanding is that it is the same coverage and contract throughout the country and this blog seems to confirm my suspicions.

    My simple advice. Ask someone who has an insurance license that is trained to sell insurance your insurance questions, not a 20 something finishing up college that has a quota to sign up new drivers each month! CYA partners!

    • Yea good advice, although on the other hand, agents have been known to be wrong before too. So best advice is to just thoroughly do your research and take everyone’s advice with a grain of salt – even this site’s 🙂

      • Lisa Schreihart

        I agree with Ride With Me. I was in the same Cincinnati office and asked the Farmers guy the same thing on the first day that he had set up shop. The Farmers guy was clear with me but the Uber employee tried to cut him off. I mentioned that I am from Kentucky, and at the time I could not get insurance. The Farmers guy said I am out of luck. (Now, not any longer, thanks to Erie.) The Uber employee said that it didn’t matter because Uber’s James River insurance would back me up. But I told him that my State Farm insurance said I would be dropped if they found out I was driving for Uber. That’s when the Uber employee said that Uber would never report it to my insurance company. I asked what it meant that the James River insurance was “contingent” and he said that Uber would first try to go to my insurance, but that was probably not likely to happen. In other words, I agree with Ride With Me, the young kid is not only hiding the truth but he’s stretching it. That puts the drivers at risk. Look people, ridesharing is part of the sharing economy. If Uber wants to call the drivers “independent contractors,” then for sure both the driver and the rider are consumers of the platform in this sharing economy. Why does it seem like Uber is ok with throwing the drivers under the proverbial bus. The new laws in most states are doing the same. Notice the laws that have been passing in many states require what Uber already was providing. No state has passed laws to require insurance for drivers that truly protects the drivers. The new rideshare insurance that is being offered is filling the gap, yes, but EVERYONE MUST GET IT. If drivers don’t buy it, not only are they putting themselves at risk, but they are not growing demand to encourage more insurance companies to offer it. It is about supply and demand. Get your rideshare insurance! Don’t wait til it’s too late. You all have heard more than one horror story. Don’t let it be you next time.

    • Lisa Schreihart

      Ride With Me, let’s get together sometime soon for some coffee, if interested in talking more about Uber in the Cincinnati area.

    • Cynthia Darby

      So you went ahead with Farmers? Period 1 coverage?

  • Ken Taylor

    What about Florida. We have no fault insurerce here in Florida. Ideas?

  • David Craig Hodgson

    I just signed on with Farmers in Minnesota. What a relief. I’m no longer worried about insurance. And, to my surprise it isn’t too expensive! My Farmers agent’s name is Duey Hoefer. 763-488-1700 in Maple Grove, MN. Give him a call, put your mind at ease!

  • satx

    New driver here (Texas).

    I had Lib Mut for years, car + house. They offered me nothing for rideshare coverage.

    GEICO has new commercial policy for rideshare drivers.

    The policy doesn’t distinguish between personal, driving, rideshare driving to pickup, or rideshare with a rider. Same coverage for all three situations.

    Uber announced that Progressive will provide Uber’s insurance for TX.

    So I called Progressive who said they also have specific coverage for rideshare drivers, also providing the same 3-situation coverage as GEICO above.

    $500 collision deductible, $25K (or was it $50K?) medical, $100/$300 liability is about $1800/year for both insurers above.

    Progressive puts a spy dongle in your car, records max speed, rapid acceleration/deceleration events, and can qualify you for 20% reduction in policy after 6 months.

  • Juliet Tran

    https://www.aisinsurance.com/products/vehicle/rideshare-insurance.aspx offers rideshare insurance through through Mercury. Mercury operates in Arizona, California, Florida, Georgia, Illinois, Michigan, Nevada, New Jersey, New York, Oklahoma, Pennsylvania, Texas and Virginia. So, these states have options, if anyone is looking.

  • Seo Tech

    Ohhh really Nice Information about rental cars…

    http://ontimecars.in/pune-to-nashik-car-rental-services/

  • NJRideShareInsurance

    Drivers in New Jersey can finally fill the gap in their coverage. Check out http://www.njrideshareinsurance.com to learn more or get a free quote.

  • Henry Robinson

    Coverage begins in NJ today.

    njrideshareinsurance.com

  • Amy

    Any info on Vermont?

  • atozzie

    Any recommendations for people looking for insurance in state not listed? I’m in Florida

    • Yea if there’s no companies advertising it what you want to do is look for a company that doesn’t specifically exclude rideshare/livery. Unless they specifically exclude it, they have to cover it. But obviously they don’t exactly advertise this fact..

  • satx

    Texas: GEICO and Progressive offer rideshare commercial policies. Same coverage when driving personal, to a rider, carrying a rider. GEICO is about $1800/year, collision $500 deductible, medical, $100K/$300K, roadside assistance, replacement rental.

    One huge exception with GEICO: unlike personal policy coverage that transfers to driving rental or other cars, where you decline coverage on a rental car, GEICO’s rideshare policy does not transfer to a rental car, so you must accept the $10+/day for rental car coverage, or you’ll be driving (eg, on vacation) without coverage, and be fully liable for all damage to the rental car. GEICO will pay for replacement car rental, but not for insurance on the replacement rental car.

  • Incompetence

    New Jersey has insurance now. Please confirm. Great work here, thanks!

  • John

    Harry, good article. I’m in TN and Liberty Mutual says they will cover rideshare here and have good rates. Is it accurate then that Uber after $1K ded and Lyft after $2500 with cover my personal vehicle, collision, in event of accident irregardless of fault?

    • Yes but only during period 2 and 3. There’s no collision coverage from uber during period 1 and LM specifically doesn’t cover period 1, but they won’t drop you.

  • Jonathan Hilts

    As soon as you find something for Hawaii, please let us know.

  • Diane Z

    Are there any options for rideshare insurance for Florida drivers?

  • Tracy Allen

    Unfortunately, I had Farmers and did not know that they had a clause in my insurance where if I get into an accident while driving for a rideshare company, they do not cover me. The rideshare company has to take over at that point. I was also unaware that the deductible for Lyft is $2,500!!! I found out all of this info the hard way 🙁

    • Sorry to hear about that – hopefully you will help spread the word to other drivers. This page is a good starting point for anyone looking into rideshare insurance.

    • John

      If you had the Rideshare clause, Farmers would cover you at all times except when you accept a fare until drop off. During that time, the rideshare companies insurance is primary. If you wanted to give me a call, I can send you the rideshare coverage flyer that explains the “periods” and coverage from the rideshare company and Farmers. I’m listed under Ohio above.

  • Question: OK so I recently took advantage of the Xchange Lease program and got a car, they contacted an agent from State Farm while I was at the dealership and he did a rideshare policy right there. even though I told them I had insurance through Farmers with my home and other car. My question is, do I still need to contact Farmers about this new car? or does the Rideshare insurance I got cover the car without having to have any other insurance?

  • Cynthia Darby

    I just spoke with AAA (San Diego CA) today (who has been my insurance provider for over 20 years) and they said they do not provide rideshare auto insurance… I wasn’t aware about keeping them and getting a supplement… I will call them again tomorrow and ask if they will drop me completely or allow the supplement.

    • Cynthia Darby

      AAA said if they are ‘told’ that I am doing rideshare they will drop me… but if they don’t know.. they wont.. was that a hint?

      • Probably but you also won’t have any collision coverage AT ALL during period 1. I’d get a quote from the others and see how they compare.

        • Cynthia Darby

          I’m on it! Thanks so much for having this blog… I was literally lost before I found it! You are the go-to guy for me.

  • John

    Hey all, John with Farmers from Ohio (recommended agent). Just wanted to let everyone know that USAA is available for rideshare in 8 states now (according to the rep I spoke to): CO, IL, TX, CA, WA, OH, AZ and MA. Looking at the states above, it seems Harry is all over it. There were some issues on the rollouts in CA, AZ and OH but they are good now. So I’ve been with USAA for 25 years myself (20 years in the USN) so I called them up and they do have plans to add additional states as the need arises. I did find out, however, USAA will only do the gap coverage for the veteran and spouse, so be aware of that.
    For Cincinnati drivers with vehicles registered in KY, I have an agent with Erie right across the river that can take care of you. Just be aware that Erie requires all vehicles and home to be written with them in order to provide the rideshare coverage. I’m not sure why Erie hasn’t added the coverage in Ohio but I’m not complaining having a Farmers Agency right now as the only option outside of USAA. If anyone in Cincinnati has any questions or needs help, I’m at the Uber office every Thursday from 10:30-5:30. Thanks.

  • Jason Hatchett

    I need some Insurance options for my home state of Louisiana. It’s not on the list. Uber and Lyft started operation in this market about a year ago. I tried to get period 1 coverage through USAA my auto insurance provider and they told me rideshare coverage not available in my stare… any suggestions, does any one have coverage in LA or know any providers?

  • hernameisred

    You’re missing an entire state! Louisiana here!

    I’m currently shopping around for options re: rideshare/commercial for Uber New Orleans. Please note that my findings are restricted to that area. 🙂

    Best options: Liberty Mutual and GEICO.

    Explanations: I started with Mercury, which does not operate in LA, but has branches that do. Those branches offer commercial options – but not for passenger-for-hire. At all. That’s right, no Uber, no Lyft, not even taxi and livery…. A shame. I like Mercury.

    MetLife: Inconclusive. I called them, gave my basic info, and was then transferred to a Louisiana agent. Never spoke with any such agent; I was put on hold for twenty minutes… twice.

    USAA: Inconclusive, but only because I don’t qualify. I thought my father had been insured through USAA, but I was wrong, so they couldn’t offer me auto insurance. However, they kindly transferred me to…

    Liberty Mutual: Surprise! They apparently work with Uber drivers, and cover all aspects of driving that James River does not, including Phase 1. Their pricing in my case was extremely similar to what they quoted me two months ago, when I first bought my car and had no intention of using it for anything but commuting.

    Geico: The first insurer in the area to offer a specific plan for Uber, and apparently just started offering it recently. The cost falls between a personal plan and a full-blown commercial one, so I’d say add about $150/month to what you’re already paying. Also, the initial payment is massive, and their customer service is hit-or-miss.

    And a list of friendly neighborhood insurers who absolutely do not allow ridesharing and will drop you if they find out you’re doing it: Allstate/Esurance, State Farm, Safe Auto, Farmers/Foremost (although they look like they may add it soon, so keep an eye out).

    See you on the road, NOLA.