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State Farm

State Farm’s rideshare endorsement extends your coverage limits during period 1, 2 and 3. This means that your personal deductible will be in effect any time you are behind the wheel, no matter which TNC you’re driving for, or which period you’re in. If you have other coverages such as medical, towing and rental car coverage, these too will be in effect while you’re driving for Uber, Lyft, or others.

State Farm Recommended Agents in CA

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


Allstate’s rideshare coverage is unique – it provides coverage for your personal insurance, and during period 1. Allstate’s rideshare coverage also helps fill the gap that arises when a customer’s personal auto policy liability coverage limits are greater than what’s provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects drivers against high deductibles that ridesharing companies have for their coverage.

Allstate Recommended Agents in CA

Doug Eisold – (858) 271-7900 – San Diego – Now offering rideshare insurance for drivers of Uber, Lyft, Bounce and Wingz


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.

Recommend Agent for Southern California

Kevin Cox – 858-453-5400 – (Los Angeles, San Diego & Orange Counties)

Kevin Cox at 858-453-5400 (San Francisco Bay Area)


Mercury first opened their doors in 1962.   Dedicated managers and enthusiastic employees work hand-in-hand with their network of independent agents.  Mercury offers full coverage during period 1 and was named by Forbes as one of ‘America’s Most Trustworthy Companies’, earning a place among “America’s 50 Most Trustworthy Financial Companies’.


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

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.


MetLife Auto & Home’s Lyft endorsement provides coverage for Lyft drivers engaged in activities related to providing Lyft services. The endorsement offers coverage for drivers and passengers at every stage of the trip:  while the driver is waiting for a passenger request; is en-route to pick up a passenger; and during the trip with the passenger. Premiums applicable to the endorsement will vary based on the mileage driven in the Lyft program.


Esurance’s rideshare product, called ShareSmart™, helps drivers bridge the coverage gap for the period of time when they’re waiting for a ride request and accepting a ride. If a rideshare driver has comprehensive and collision coverage on their personal auto insurance policy, they can add ShareSmart to ensure they’re covered in case an accident occurs while they’re waiting to accept a ride.

The endorsement is available to all California rideshare drivers who qualify for an existing Esurance policy and is tied to the specific vehicle used for rideshare driving. Existing Esurance customers can add the endorsement to their policies at their next renewal. Esurance is evaluating rolling out rideshare coverage to additional states in 2018.


Metromile no longer offers rideshare insurance (here’s our review though from when they did).

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👉 Related article: Essential gear every rideshare driver should have