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There are currently only two options for rideshare drivers in Utah. We recommend getting a quotes from both Farmers and Allstate in order to have full coverage for rideshare driving.

Allstate

Allstate’s 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 Insurance

Farmers now offers an endorsement to personal auto policies that is designed for TNC Drivers in Utah. 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.

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.

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.

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