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Uber and Lyft drivers in Maryland have a few options for rideshare insurance, including Allstate, Erie, Farmers, GEICO, Liberty Mutual, and USAA.

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.

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 Rideshare Insurance Expert – Jim O’Brien at 703-838-9624

GEICO

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.

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.

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.

Farmers

Farmers offers a rideshare-friendly policy add-on which extends your coverage during period 1 (app on, but no passenger). You won’t be dropped for telling them you’re a rideshare driver; however, you will be reliant on Uber or Lyft’s insurance policies during periods 2 and 3.

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.

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