If you drive for Uber, Lyft, DoorDash, or another rideshare or delivery app, your personal auto policy may not cover you the same way once you start using your car to make money.
Allstate rideshare coverage is designed to help fill certain gaps between your personal auto insurance and coverage provided by the app you drive for. It may also help with a higher deductible if you’re in an accident while working.
Here’s how Allstate rideshare insurance works, what it covers, and whether it’s worth considering as a rideshare or delivery driver.
How Does Allstate Rideshare Insurance Work?
Rideshare insurance can seem complicated because you may be dealing with more than one insurance policy. The easiest way to understand it is to break your time on the road into three phases.
- Phase 1: Waiting for a request. You’re logged into a rideshare or delivery app but haven’t accepted a ride or order yet.
- Phase 2: Heading to the pickup. You’ve accepted a request and are driving to pick up the passenger or order.
- Phase 3: Completing the trip. The passenger or order is in your vehicle and you’re heading to the destination.
Phase 1 is where drivers need to pay particular attention.
Your personal auto policy may not cover business use, while coverage provided by the platform may be limited while you’re waiting for a request.
Allstate rideshare coverage can help fill certain gaps between your personal policy and the coverage provided by the platform you drive for.
Once you accept a request, coverage provided by the rideshare or delivery company may apply. Exactly how your personal policy, rideshare coverage, and the platform’s insurance work together depends on the policy and platform.
Once you log out of the app and go back to personal driving, your regular personal auto insurance applies again.
What Does Allstate Rideshare Insurance Cover?
Exactly what your rideshare insurance covers will depend on your policy, the coverage you already carry, the app you drive for, and what’s available in your state.
Depending on the policy, rideshare coverage can help with things like:
- Damage to your vehicle
- Liability if you cause injuries or property damage
- Medical expenses
- Damage to a rider’s belongings
- Uninsured or underinsured motorists
There’s an important catch here: adding a rideshare endorsement doesn’t automatically give you every type of auto insurance coverage.
For example, if you don’t already carry collision or comprehensive coverage on your personal policy, adding a rideshare endorsement generally won’t suddenly give you those coverages while you’re working.
That’s why it’s worth going over your personal policy and the coverage provided by your rideshare or delivery app with an agent rather than assuming you’re covered simply because you added rideshare insurance.
Allstate Can Help With a Higher TNC Deductible
This may be one of the most useful parts of Allstate rideshare coverage for rideshare drivers.
Let’s say your personal collision deductible is $500.
You get into a covered accident after accepting a ride, and the TNC policy covering the trip has a $2,500 collision deductible.
That’s a $2,000 difference you could otherwise be responsible for paying before insurance helps repair your car.
Allstate says its rideshare coverage may help cover the gap between your personal auto policy’s deductible and the higher deductible under the TNC policy.
That matters when your car is also how you make money.
If it’s sitting in the shop after an accident, you may already be losing income. Having to come up with another $2,000 before getting your vehicle repaired can make a bad situation even worse.
So when you’re comparing insurance options as a rideshare or delivery driver, don’t look at the monthly premium alone. Pay attention to deductibles and what happens if you actually need to file a claim.
Do Part-Time Rideshare and Delivery Drivers Need Rideshare Insurance?
You don’t have to drive 40 hours a week for additional insurance coverage to be necessary.
Maybe you drive a few hours after work. Maybe you deliver food on weekends. Or maybe you only open Uber, Lyft, DoorDash, or another gig app when you have some extra time.
You’re still using your personal vehicle to make money while you’re logged into the app.
Even occasional rideshare or delivery driving can change how your personal auto insurance applies, so don’t assume driving part-time means your regular personal policy is enough.
If you drive for multiple apps, tell your insurance agent which platforms you use, too. You want to know how your coverage applies before an accident happens, not while you’re trying to file a claim.
How Much Does Allstate Rideshare Insurance Cost?
There isn’t one standard price for Allstate rideshare insurance.
Your premium can depend on factors like where you live, your vehicle, your driving history, your existing auto policy, the coverage and limits you choose, and what coverage is available in your state.
That makes getting an actual quote more useful than relying on someone else’s price online.
When comparing quotes, look beyond the additional monthly premium. Ask what your policy covers while you’re using each rideshare or delivery app, what your deductibles would be, and where there may still be gaps in coverage.
Allstate Rideshare Insurance Discounts and Savings
Price still matters, especially when driving expenses are already eating into your rideshare or delivery earnings.
Allstate offers a number of auto insurance discounts that eligible drivers may be able to use, including savings for bundling policies or insuring multiple vehicles.
There’s also Drivewise®, Allstate’s optional safe-driving program. It uses driving data to provide personalized feedback and may offer savings or rewards to eligible drivers.
Available discounts and programs can vary, so it’s worth asking which ones you qualify for when getting your quote.
Allstate Rideshare Insurance Pros and Cons
There’s a lot to like about having coverage designed for the time you spend using your vehicle to earn money, but there are a few things to keep in mind.
Pros
- Helps fill certain gaps between your personal auto policy and coverage provided by rideshare or delivery platforms
- Can extend certain coverage while you’re logged in and waiting for a request
- May help cover the difference between your personal deductible and a higher TNC deductible
- Can work with your existing personal Allstate auto policy
- Additional Allstate discounts and programs may be available
Cons
- Coverage and availability vary by state
- Your exact protection depends on the coverage you carry on your personal policy
- There isn’t one standard price, so you’ll need a quote to know what it will cost you
- Coverage can differ between rideshare and delivery platforms, so you need to tell your agent exactly which apps you drive for
Is Allstate Rideshare Insurance Worth It?
If you use your car to make money through a rideshare or delivery app, it’s worth knowing exactly what happens to your insurance coverage once you go online.
Allstate rideshare coverage can help address certain gaps between your personal policy and coverage provided by rideshare platforms, including the potential gap while you’re waiting for a request. For rideshare drivers, its potential help with a higher TNC deductible is also worth paying attention to.
Whether Allstate is the best option for you will come down to the apps you drive for, the coverage available in your state, the details of your personal policy, and the quote you receive.
Our recommendation is to tell your agent exactly how you use your vehicle, including every rideshare or delivery app you drive for, and ask what is and isn’t covered while you’re working.
RSG’s Recommendation for an Allstate Rideshare Insurance Agent
If you’re a California driver and want to learn more about Allstate coverage, you can connect with Douglas Eisold, an Allstate insurance agent in San Diego.
Phone number: (858) 271-7900
Email: DOUGEISOLD@allstate.com
Drivers in other states can contact a local Allstate agent to learn more about rideshare coverage and the options available in their area.
