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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.
USAA Rideshare Information and Quote
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.
SafeCo
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.
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.
MetLife
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.
Metromile
Metromile no longer offers rideshare insurance, but here’s our full review from when they did.
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