Contents:

38 min read

    38 min read

    Best Car Insurance Options for Uber Drivers and Lyft Drivers

    If you’re looking for the best rideshare insurance in 2020, we’ve made it easy to learn about the options in your state on the page below. After you sign up for a gig job like Uber, make sure to get several rideshare insurance quotes from the agents below.

    There are still a few states that don’t have rideshare friendly options, but we keep this page updated as new options are added every week, so be sure to check back frequently!

    Updated for May 2020: Yes, you will want delivery insurance for your food delivery driving! Find our top recommended delivery insurance agents.

    Rideshare Insurance Choices for Uber & Lyft Drivers By State. Find out what companies will insure rideshare drivers with our comprehensive database. If you're looking for rideshare insurance options, check it out. #Rideshare #Insurance #Uber #Lyt

    If you’re just learning about rideshare insurance and not sure why you need it, it’s because as a rideshare driver, you need to be especially mindful about the risks and insurance limits in your state.

    There are many states where there isn’t an officially recognized rideshare insurance policy and, although you may still be covered by Uber/Lyft, your personal insurer may drop you for being a rideshare driver. You don’t want your income stream cut off before rent is due next month!

    Why You Need Commercial Auto Insurance When Driving for Uber and Lyft

    Uber and Lyft only cover rideshare drivers during Periods 2 and 3. Period 2 starts once you accept a ride request and are en route to your passenger, and Period 3 starts once your passenger gets into your car.  BUT when you’re online and waiting for a request during Period 1, you have no collision coverage from Uber or Lyft and much lower liability limits.  So as a rideshare driver, you’re most at risk during Period 1 since you won’t get any collision coverage from rideshare companies and your personal insurer likely won’t cover you during this time either.

    Getting a rideshare insurance quote and rideshare insurance solves this gap by covering drivers during Period 1, and additionally they won’t drop you for being a rideshare driver.  Some policies will even cover you during Periods 2 and 3 so you won’t be subject to Uber’s $1,000 collision deductible and Lyft’s $2,500 collision deductible.

    Rideshare insurance really should be part of Uber driver requirements and Lyft driver requirements. When you drive for Via, you’ll need proper commercial auto insurance.

    You may be able to deduct your rideshare insurance from your tax bill.  Use the Stride Tax App to maximize your deductions to keep more of your income.

    What is Rideshare Insurance?

    I’ve covered this issue extensively, so if you want to brush up on the current state of insurance for rideshare, here are some of the best rideshare insurance resources for you to review:

    What’s the difference between rideshare and commercial insurance?

    What if my area doesn’t have any rideshare insurance options?

    Over the past year, almost all of the major carriers have begun offering rideshare insurance policies for drivers.  This is great news since we no longer need to worry about being dropped by our insurance company if we insure with a rideshare-friendly insurance company. This is why it pays to get multiple rideshare insurance quotes!

    But changing insurance is obviously not a simple matter since many of us have policies across our homes, other cars, etc.  My hope is that one day all major carriers will offer rideshare-friendly policies but, until then, drivers will have to either switch insurers or assume the risk of going without a rideshare friendly policy.

    Rideshare Insurance Companies

    Rideshare insurance is widely available these days and even some of the most well-known insurance providers are offering competitive coverage levels for drivers. Here’s what some of the top 4 big names in the industry offer.

    Geico

    Geico offers rideshare insurance in most states and they offer a hybrid coverage option which covers you when you drive rideshare along with when you drive for personal reasons. Geico’s rideshare insurance is comprehensive and covers you for all three periods of Uber and Lyft driving including when the app is on and you are waiting for a passenger (Period 1) when you’re en route to a passenger (Period 2), and when passengers are in your car (Period 3).

    This hybrid insurance also covers you when you’re doing food delivery (Uber Eats for example) and there are no strict mileage restrictions.

    Allstate

    Allstate offers a rideshare endorsement to your regular auto insurance policy which will help cover your vehicle while you’re rideshare driving. Allstate’s rideshare endorsement helps close the infamous  Period 1 coverage gap when Uber and Lyft’s insurance won’t cover you if you get into an accident when the app is on and you’re waiting for a trip.

    However, Allstate’s endorsement won’t cover you during Periods 2 and 3 when Uber and Lyft’s insurance would cover you. With this policy, you’d also get deductible gap coverage so if you did need to file a claim through Uber or Lyft, Allstate would reimburse you for a portion of that deductible, so that it matches the deductible on your personal policy. For example, if you have to pay Lyft’s high deductible of $2,500 and your Allstate insurance deductible is only $500, you’d get reimbursed the difference.

    Adding a rideshare endorsement to an existing policy can only cost you an extra $10 – $20 per month.

    State Farm

    State Farm is another company that offers ‘gap coverage’ for rideshare drivers that extends to your personal policy to include Period 1 coverage. In fact, State Farm’s rideshare insurance can provide you with some amount of coverage during all 3 periods for rideshare drivers.

    According to State Farm reps, adding a rideshare coverage endorsement “typically adds about 15–20 percent to your current premium.”

    Farmers

    Farmers was one of the first insurers to offer rideshare endorsements. Like many other companies thy offer ‘gap coverage’ for rideshare drivers which can be added to a standard personal policy. While Farmer’s rideshare insurance is not a commercial policy, it does extend coverage through Period 1 so you’re completely covered when rideshare driving.

    You can expect to pay about 25% more for your Farmers policy with a rideshare endorsement, but you won’t have to worry about getting dropped for driving for companies like Uber or Lyft. Another perk is that Farmer’s offers a rental car/loss of use option where they will provide you with a rental car or a set amount per day each day that your car is out of commission. There are caps for this of course, but it’s a nice benefit to have overall.

    Other Insurance Companies that Offer Rideshare Insurance:

    • Erie Insurance
    • USAA
    • Liberty Mutual
    • Mercury
    • Quoteasy/Bristol West

    Related articles:

    Sign up to drive for Uber and Lyft

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    • Check out our vehicle marketplace to learn how to rent or lease a car to drive for Uber and other services, and use the GetUpside app to save money on gas and food.

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    How Much Does Rideshare Insurance Cost?

    As you know, insurance costs vary by company vastly. They also vary based on the services you want included in them and also on your own driving record. The best advice is to shop around. Find all of your options available in your area and choose the insurance company that works best for you. After doing some shopping around in California, I found that there was a range of $113 to $205 a month for rideshare insurance, which is in line with what I’ve found for most other drivers. If you have a better driving record or you live in an area that is cheaper to insure, you may be on the lower end. But for a lot of drivers, the average quote may come in at around $150/month.

    One thing to keep in mind is what all is covered by each insurance company. For instance, in my research for the price range, I found that State Farm was the only company that offered coverage for all three periods instead of just period one so you can fully process your claim through State Farm instead of going through the TNC. On the other hand, if you have Allstate and get into an accident during period 2 or 3, Allstate will pay part of Uber’s $1000 deductible (or Lyft’s $2,500 deductible, etc) to make it match the deductible on your policy. So, again, shopping around and knowing what you want while comparing what each company offers is the best way to go about finding the right rideshare insurance for you. 

    For more information, take a look at this video on which companies offer rideshare insurance:


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    Uber and Lyft Driver Insurance Options

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    The Best Rideshare Insurance for Rideshare Drivers By State

    This post will continue to be updated with insurance information for each of the markets, but if you have conflicting info or would like to add to this page, please leave a comment below.  Additionally, if you have an agent that you’d like to personally recommend, don’t hesitate to reach out to me with their contact info.

    Select Your State:

    Use the drop-down menu above to jump to your state.


    Alabama

    Alabama Rideshare Insurance: Alabama drivers have several rideshare insurance options to choose from: GEICO, USAA, Progressive, State Farm, and Farmers. Make sure to get several rideshare insurance quotes so you can get the best price and coverage.

    With Farmers’ 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 GEICO’s hybrid policy, they cover the rideshare driver during every period of rideshare, including period 2 and 3.

    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. Contact Lad Drago at 251-626-1237.


    Arizona

    Arizona Rideshare Insurance: Arizona drivers have six rideshare insurance options to choose from: Allstate, GEICO, USAA, State Farm, Progressive, Mercury, American Family Insurance, and Farmers. With Farmers’ 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.

    Allstate

    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. Contact Donnie Plunkett at 480-595-7434.

    If you get a rideshare insurance quote from Donnie, mention The Rideshare Guy and they will send you a FREE universal car mount for your phone (No purchase required, Arizona drivers only).

    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. Contact Courtny Tyler at 520-568-5588.


    Arkansas

    Arkansas Rideshare Insurance: 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. State Farm and GEICO is also available in Arkansas.


    California

    California Rideshare Insurance: In rideshare’s largest state, there are a bunch of options for drivers. Farmers was first to market with a rideshare policy in California and now others have followed suit. We have highlighted the major players below.  There is a comprehensive list of options on the California Rideshare Insurance page. Others offering rideshare coverage are Allstate, Esurance, USAA, GEICO, State Farm, Mercury, AAA and MetLife.

    State Farm

    State Farm started offering rideshare friendly policies on 3/21/16.  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.

    State Farm Recommended Agents in CA

    Allstate

    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

    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.

    Farmers Recommended Agents in CA

    Mercury

    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’.


    Colorado

    Colorado Rideshare Insurance: As of Jan. 15th, 2015, Colorado passed a bill that requires primary insurance during Period 1. Uber provides primary insurance during this period in order to satisfy the requirements but not every insurance company will endorse rideshare drivers. Currently, Allstate, American Family, GEICO, Farmers, MetLife, Progressive, SafeCo, State Farm, and USAA all offer rideshare-friendly policies.

    Farmers

    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. Contact Jolene Johnson at 303-768-8130 (Englewood, CO)

    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.


    Connecticut

    Connecticut Rideshare Insurance: GEICO is now offering rideshare “hybrid” policies.  Also, Liberty Mutual offers a policy where they won’t cancel a policy holder just for being a rideshare driver. State Farm and USAA also offer rideshare insurance.

    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.

    Recommend Agents in CT

    Brian Busam – 860-289-2227


    Delaware

    Delaware Rideshare Insurance: USAA, GEICO, Progressive, and State Farm all offer rideshare insurance in Delaware.


    District of Columbia

    Washington DC Rideshare Insurance: DC rideshare drivers have several options to choose from: Allstate, GEICO, Liberty Mutual, State Farm, USAA and Erie Insurance.

    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


    Florida

    Florida Rideshare Insurance

    Florida has a few rideshare insurance options: State Farm, Foremost, a subsidiary of Farmers, Prime Insurance, Progressive, Infinity, USAA, and GEICO.

    State Farm Insurance

    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. Contact Chris Tighe at 561-965-2588

    Quoteasy / Bristol West

    Quoteasy is a broker that specializes in rideshare insurance and delivery insurance and currently offers Infinity insurance, Mercury Insurance, Windhaven and Foremost Insurance.  Contact Alejandro Moreno at 800-568-2209.

    Florida Delivery Insurance:

    Florida is one of the first states to have a specific policy for delivery drivers so whether you’re delivering pizza or delivering food for UberEATS, Postmates, DoorDash or similar services, you can now make sure you’re protected.

    Quoteasy / Bristol West

    Quoteasy is a broker that specializes in delivery insurance and rideshare insurance and currently offers Infinity insurance, Mercury Insurance, Windhaven and Foremost Insurance.  Contact Alejandro Moreno at 800-568-2209.


    Georgia

    Georgia Rideshare Insurance: Georgia drivers now have many options to choose from including Allstate, American Family, Farmers, Mercury, Progressive, State Farm, USAA, Alfa Insurance Corporation (period one) and Ethio-American.

    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.


    Hawaii

    Hawaii Rideshare Insurance: Hawaii rideshare drivers currently have Allstate and GEICO to choose from. If there are other insurance providers in Hawaii, please contact me to let me know.


    Idaho

    Idaho Rideshare Insurance: Idaho rideshare drivers have several options to choose from: American Family, GEICO, Progressive, USAA, State Farm and Farmers. I recommend getting multiple quotes to find out which one best suits your needs.

    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.

    Patrick Buchanan – 208-928-7888


    Illinois

    Illinois Rideshare Insurance: IIllinois has a big selection of rideshare-friendly auto insurance options.  We have included agents that we recommend because they understand the unique needs of rideshare drivers and how to set up the policies correctly with each of these companies for rideshare drivers.  Along with the Farmers, Erie, Travelers, GEICO, Progressive, and USAA options listed below, Allstate, American Family Insurance, SafeCo, Mercury, MetLife, State Farm offer rideshare policies in Illinois as well.

    Need an Uber Accident Attorney?

    Head to our Uber Accident Lawyer Marketplace where we’ve got more info about how to handle rideshare insurance after an accident.

    Recommended Lyft and Uber Accident Attorney in IL

    Contact Bryant Greening at(312) 767-2222. He is an attorney at LegalRideshare. LegalRideshare is the only law firm in the United States entirely dedicated to Uber/Lyft accident and injury claims. LegalRideshare fights to recover costs of medical bills, lost wages and pain and suffering for injured Uber/Lyft drivers.


    Indiana

    Indiana Rideshare Insurance: Indiana has a few rideshare options, including Allstate, American Family Insurance, Farmers, GEICO, Progressive,SafeCo, State Farm, 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. Contact Mike Kornafel at 765-474-1547.


    Iowa

    Iowa Rideshare Insurance: Iowans currently have several choices for rideshare insurance: GEICO, Farmers, American Family Insurance, Progressive, State Farm, and USAA. We recommend getting quotes from all three to find out which one best suits your needs.

    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. Click for USAA Rideshare Information and Quote.


    Kansas

    Kansas Rideshare Insurance: 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. Now Kansas has four more options: American Family, GEICO, State Farm, and USAA.

    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. Click for USAA Rideshare Information and Quote.


    Kentucky

    Kentucky Rideshare Insurance: Drivers in Kentucky can choose from Allstate, Progressive, USAA, State Farm, or Erie; we recommend getting quotes from all to find out which one best suits your needs.

    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. Click for USAA Rideshare Information and Quote.


    Louisiana

    Louisiana Rideshare Insurance: Drivers in Louisiana have a few different options. Allstate offers a policy geared towards rideshare drivers, and USAA, GEICO and State Farm are also offering policies now.

    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. Click for USAA Rideshare Information and Quote.


    Maine

    Maine Rideshare Insurance: Drivers in Maine have only a handful of options. GEICO, USAA, Progressive, and State Farm both offer rideshare insurance policies to Maine drivers.


    Maryland

    Maryland Rideshare Insurance: Drivers in Maryland have a few options for rideshare insurance, including Allstate, Erie, Farmers, GEICO, Liberty Mutual, State Farm, and USAA. We recommend getting quotes from all these companies to find out which one best suits your needs.

    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


    Massachusetts

    Massachusetts Rideshare Insurance: Despite Boston being one of rideshare’s top markets, insurance companies have been fairly slow to adapt to all the new demand. Following recent legislative changes, Allstate, MAPFRE, Progressive, and USAA now offer rideshare-friendly policies in the state. Liberty Mutual is also an option.

    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. Click for 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.


    Michigan

    Michigan Rideshare Insurance: Farmers was the first company to offer rideshare-friendly insurance in Michigan. Farmers has rideshare-friendly policy add-ons 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. State Farm and Progressive also offer insurance.


    Minnesota

    Minnesota Rideshare Insurance: Drivers in Minnesota have a few options for rideshare insurance, including Allstate, Farmers, GEICO, Progressive, State Farm and USAA. We recommend getting quotes from all these companies to find out which one best suits your needs.

    Farmers

    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.


    Mississippi

    Mississippi Rideshare Insurance: Mississippi drivers currently have a few choices for rideshare insurance: GEICO, SafeCo, USAA and State Farm.

    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. Contact Ryan England at 662.349.1550 (also serving Metro-Memphis area).

     


    Missouri

    Missouri Rideshare Insurance: Missouri rideshare drivers now have several insurance options available: American Family, GEICO, Progressive, State Farm, 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. Contact Jody White at 618-343-1400

    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. Click for USAA Rideshare Information and Quote.


    Montana

    Montana Rideshare Insurance: Farmers recently added Montana to its growing list of states where they now offer rideshare friendly policies. GEICO and State Farm’s rideshare policies are also available in Montana.

    Farmers

    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.


    Nebraska

    Nebraska Rideshare Insurance: Nebraska has an assortment of rideshare insurance options, including Farmers, GEICO, American Family Insurance, Progressive, State Farm, and USAA. We recommend getting quotes from all of these companies to see which policy best suits your needs.

    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. Click for USAA Rideshare Information and Quote.


    Nevada

    Nevada Rideshare Insurance: Farmers was the first company to offer rideshare insurance in Nevada. State Farm, Allstate, Acuity, American Family Insurance, USAA and Mercury now offer policies in the state as well.

    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. Contact Perry Olson at (702) 713-7671


    New Hampshire

    New Hampshire Rideshare Insurance: New Hampshire drivers now have several options to choose from: GEICO, Liberty Mutual, USAA and State Farm.

    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. Click for USAA Rideshare Information and Quote.


    New Jersey

    New Jersey Rideshare Insurance: New Jersey rideshare drivers have several insurance options to choose from: Allstate, Farmers, New Jersey Manufacturers Insurance Company, State Farm, and USAA.

    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. Contact Joe Nachbaur at 201-222-8866

     


    New Mexico

    New Mexico Rideshare Insurance: New Mexico drivers can select between Farmers, GEICO, Progressive, and State Farm. We recommend getting quotes from all of these companies to find out which policy best suits your needs.


    New York

    New York Rideshare Insurance: New York City is one of the largest transportation markets in the world but it’s also unique since it’s the only UberX market that requires drivers to get TLC insurance instead of regular rideshare or personal insurance.  So if you’re driving for Uber, Lyft, Gett, Via or Juno you’ll want to look into commercial insurance from a trusted New York commercial insurance broker. Note that commercial insurance is only required for New York City.

    Outside of NYC, commercial insurance is not required but you will still want to get rideshare insurance. Currently, there is only one company that provides rideshare insurance in New York State and that is Allstate.

    Recommended Commercial Insurance Brokers in NYC:

    Pearland Brokerage

    Contact Pearland Brokerage Inc at 718-361-0033 or [email protected] (email preferred)

    Inshur

    INSHUR offers a 100% digital service with industry-leading customer support when you need it. Getting a quote with them is a no-brainer as it takes just a few minutes and is all done within their app.

    Join the 25,000+ drivers who have tried the INSHUR app. Get a fast, easy quote for your upcoming renewal and get a free $25 Amazon Voucher when you enter VIP Code “RIDESHARE”, no obligations. Download their iPhone or Android app now.

    You can read our Inshur review here and sign up for their service here.

    Recommended Rideshare Insurance Companies in New York:

    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.

    Contact Bob Barton at 518-786-3971 for a quote.


    North Carolina

    North Carolina Rideshare Insurance: NC drivers have a couple options for rideshare insurance: Allstate, Liberty Mutual, and NCUberInsurance.com. We recommend getting quotes from all of them to find out which policy best suits your needs.


    North Dakota

    North Dakota Rideshare Insurance: North Dakota currently hanew s several options available for rideshare drivers: American Family Insurance, GEICO, Progressive, State Farm, and USAA. We recommend getting quotes from all three to find out which policy best suits your needs.

    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. Click for USAA Rideshare Information and Quote.


    Ohio

    Ohio Rideshare Insurance: Farmers recently added Ohio to its growing list of states where they now offer rideshare friendly policies.  GEICO also is offering rideshare “hybrid” policies as well as USAA offering “rideshare gap” coverage. Allstate, Erie, American Family Insurance, Progressive, and State Farm offer rideshare insurance options in OH as well.

    Ohio’s Rideshare Insurance Expert: Contact Brad Sussman at 844-200-4800

    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. Erie is one of the first insurance companies in Pennsylvania to offer ridesharing coverage directly on a personal auto policy and covers for periods 1,2 and 3. The personal auto policy options keeps the premiums reasonable and allows drivers to retain the multi-policy discounts if home or other cars are insured with Erie too.


    Oklahoma

    Oklahoma Rideshare Insurance: Oklahoma drivers can pick between Progressive, Safeco, Travelers, Allstate, Farmers, GEICO, Mercury, State Farm and USAA for their rideshare insurance policy. We recommend getting quotes from all of these companies to make sure you’re getting a policy that fits your needs.


    Oregon

    Oregon Rideshare Insurance: Oregon drivers can now choose among American Family Insurance, GEICO, Farmers, State Farm and USAA for their rideshare insurance policy. We recommend getting quotes from all of these companies to make sure you’re getting a policy that fits your needs.

    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. Contact Jill Verboort at 503-992-6167 (Portland, OR)


    Pennsylvania

    Pennsylvania Rideshare Insurance: Pennsylvania now has a few options for drivers including Erie, GEICO, Progressive, State Farm, and Liberty Mutual.

    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. Erie is one of the first insurance companies in Pennsylvania to offer ridesharing coverage directly on a personal auto policy and covers for periods 1,2 and 3. The personal auto policy options keeps the premiums reasonable and allows drivers to retain the multi-policy discounts if home or other cars are insured with Erie too. Contact Mike Gehman at (215) 804-5072 or email [email protected]

    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. Contact Todd Derbaum at 412-367-3710


    Rhode Island

    Rhode Island Rideshare Insurance: Drivers in Rhode Island can now get rideshare approved coverage through GEICO.  This policy eliminates the “insurance gap” during Period 1 (app on, no pax) and ensures that you won’t be dropped by your personal auto insurer for being a rideshare driver. Erie Insurance and Progressive have also begun offering rideshare insurance in Rhode Island.


    South Carolina

    South Carolina Rideshare Insurance: South Carolina rideshare drivers can select between Allstate, State Farm, and GEICO for their insurance policies.


    South Dakota

    South Dakota Rideshare Insurance: South Dakota drivers have two options, American Family Insurance and Progressive.  American Family 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 policy for being a rideshare driver.


    Tennessee

    Tennessee Rideshare Insurance: Drivers in Tennessee now have more options for rideshare-friendly insurance, including Allstate, Erie, Farmers, GEICO, Progressive, State Farm, 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. Contact Joel Laird at 615-295-2600.

    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. Contact Steve Blume at 615-352-3334.


    Texas

    Texas Rideshare Insurance: Texas is one of rideshare’s top markets, and there are now multiple options for drivers in the Lone Star state: Allstate, Farmers, Mercury, State Farm, Liberty Mutual, Progressive, USAA, MetLife, and Progressive. If you can, take advantage of the wide selection, and get a quote from all of them. That way, you’ll be sure to get the best policy for your needs.

    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. Contact Carl Hellwege at (817) 430-6331 (Dallas/Fort Worth)

    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. Contact Thien Thai at 833-682-4550.

    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. Click for USAA Rideshare Information and Quote.


    Utah

    Utah Rideshare Insurance: Farmers Insurance, American Family, State Farm, USAA and Allstate offer rideshare-friendly policies in Utah.

     


    Vermont

    Vermont Rideshare Insurance: Vermont drivers now have GEICO and USAA as options for rideshare coverage. Stay tuned for more options.

     


    Virginia

    Virginia Rideshare Insurance: Virginia drivers can now choose between Allstate, GEICO, Progressive, State Farm, Liberty Mutual, and Erie insurance. We recommend getting quotes from all of these companies to make sure you’re getting a policy that fits your needs.

    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.


    Washington State

    Washington Rideshare Insurance: Washington drivers can now choose between Allstate, American Family Insurance, GEICO, SafeCo, State Farm, USAA, and MetLife. We recommend getting quotes from all of these companies to make sure you’re getting a policy that fits your needs.

    Allstate

    Allstate’s Ride for Hire product is now available in Washington.  During Period 1, Allstate Ride for Hire can help fill some of the coverage gaps between the TNC commercial policy coverage and your existing Allstate auto policy. During Period 2, Allstate Ride for Hire provides deductible gap coverage to help reduce your out-of-pocket expenses.

    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. Click for USAA Rideshare Information and Quote.


    West Virginia

    West Virgina Rideshare Insurance: State Farm, Progressive, USAA and GEICO offer rideshare insurance in West Virginia.

    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.


    Wisconsin

    Wisconsin Rideshare Insurance: Wisconsin offers several rideshare insurance options, including Allstate, American Family, Erie, Farmers, GEICO, USAA and State Farm. We recommend getting quotes from all these companies to find out which policy best suits your needs.


    Wyoming

    Wyoming Rideshare Insurance: GEICO, USAA and State Farm are the only companies offering rideshare insurance in Wyoming. Stay tuned for more options.

    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. Contact Suzanne Cork at 307-635-3773


    Canada

    Canada Rideshare Insurance: The same period one coverage gap will apply to most Canadian drivers without a specific rideshare-friendly insurance policy. Currently, Aviva/Intact Insurance is the only company we’re aware of that offers rideshare insurance in Canada.


    Need an Uber Accident Attorney?

    Read out Uber Accident Lawyer page to learn how to handle rideshare insurance after an accident.

    Please leave a comment below if there’s a company we left out in your state.

     

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    Harry Campbell

    Harry Campbell

    I'm Harry, the owner and founder of The Rideshare Guy Blog and Podcast. I used to be a full-time engineer but now I'm a rideshare blogger! I write about my experience driving for Uber, Lyft, and other services and my goal is to help drivers earn more money by working smarter, not harder.

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