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State Farm

State Farm’s rideshare endorsement is more extensive than most other options since they extend 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.


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


Farmers Insurance was one of the first companies to 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.


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 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.


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.

This endorsement does not provide rideshare coverage for Uber or other rideshare services.


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.

Mercury Insurance

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.


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.

American Family Insurance

American Family’s rideshare insurance covers you from the moment your ridesharing app is turned on until you’ve been matched with a passenger. You’ll get the same coverages that you have with your personal auto policy, including bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection.

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