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There are currently eight options for rideshare drivers in Colorado.  We recommend getting a quote with at least 2 companies in order to determine which one suits your needs.

Farmers Insurance

Farmers now offers an endorsement to personal auto policies that is designed for TNC Drivers in Colorado. You can contact Farmers to learn more about their rideshare endorsement.  The additional coverage provided by the Rideshare Coverage endorsement will add, on average, an additional 25-percent to a customer’s premium.

Farmers Recommended Agents in CO:

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

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.


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


With a single policy, it doesn’t matter whether you’re “on the clock” or just driving for personal reasons. Eliminate coverage gaps and don’t worry about which policy is primary if you have an accident. Best of all, GEICO’s ridesharing coverage is offered at rates typically much lower than taxi and commercial rates.  Also, Uber, Lyft, or other on-demand service—drivers are not limited to just one transportation network company.


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.


SafeCo, a subsidiary of Liberty Mutual founded in 1923, offers auto, homeowners and liability insurance. They offer an affordable rideshare endorsement as an addon to your existing SafeCo auto insurance policy which covers you during period 1. During periods 2 and 3, you will be insured only through Uber or Lyft.

MetLife Insurance

MetLife recently launched a new rideshare-friendly policy that is available to current and new members.  The insurance is only available to Lyft drivers and covers activities related to providing Lyft services, and coverages including bodily injury liability, property damage liability, medical payments, and physical damage will apply up to the limits selected on the policy.

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.

Lyft drivers in Colorado can call MetLife Auto & Home at 1-855-782-8480 toll-free to inquire about a policy.  Current MetLife auto policyholders in Colorado will be able to have their policy re-written with the Lyft endorsement as of that date.

American Family Insurance

American Family Insurance offers rideshare endorsements which extend your personal policy to include the infamous “period one” gap (app on, no pings). During periods two and three, you’ll still be reliant on the coverage provided by Uber/Lyft – but you can rest easy knowing that you won’t be dropped from your personal policy for being a rideshare driver.

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