Rideshare Car Insurance

Depending on which provider you have, rideshare car insurance can come as a commercial policy, a business-use add-on, or as its own policy. Rideshare insurance quotes will vary based on where you live and your driving record, so it's important to shop around before you buy to lock in the cheapest rates.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • A personal policy cannot be used as rideshare car insurance
  • Rideshare companies are required by law to provide some level of coverage for drivers
  • Top insurance companies like State Farm, GEICO, and Allstate offer rideshare insurance coverage but rates will vary

If you drive for Uber, Lyft, or another rideshare company, your personal car insurance policy does not cover you while you’re working. You need rideshare car insurance to be fully covered while on the clock, and you may want to purchase a commercial policy if you need additional coverage. 

Commercial car insurance for rideshare drivers is more expensive, but there are ways to save on rideshare coverage. Keep reading for reviews of the best rideshare insurance companies and where to find affordable rideshare car insurance near you.

Ready to buy rideshare insurance? Enter your ZIP code above and start comparing free insurance quotes from local companies to secure the best rates.

Why do I need rideshare insurance?

Driving without insurance is illegal in nearly every state. Drivers who use their personal vehicles for work must have policies for both the personal and business use of their cars. 

If you’re driving your car for Uber or Lyft and get into an accident, your personal car insurance will not cover you. You need rideshare insurance to cover accidents that happen while you’re working.

State insurance laws require transportation network companies like Lyft, Uber, and DoorDash to provide some level of coverage to their rideshare drivers. This coverage usually only includes liability while on the clock, which means your own damages aren’t covered. 

Uber and Lyft are known for providing additional collision and uninsured motorist coverage, but this can vary by state. Research your employer before you buy additional rideshare insurance to make sure you get the right kind of policy.

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Who has the cheapest rideshare insurance?

Rideshare insurance can mean something different to car insurance companies. While some only offer commercial policies or business-use add-ons for rideshare drivers, other companies offer rideshare-specific policies.

For example, GEICO and State Farm both offer rideshare auto insurance policies. Shop around and research insurance reviews to pick out the right provider for you. Read our State Farm and GEICO car insurance reviews to learn more.

Other providers only offer rideshare insurance as an add-on, including Allstate rideshare insurance and USAA rideshare insurance. Both rideshare insurance add-ons come with cheaper rates but only cover you while you’re waiting to pick up a ride.

If you’re comparing Progressive rideshare insurance, their policy is more comprehensive and drivers can customize coverage based on when they’re driving, but you can expect to pay more for that kind of specialization.

In fact, rideshare insurance rates can vary wildly based on where you live, the kind of car you drive, and your driving record. To find the most affordable rideshare insurance company near you, use your free quote comparison tool below. Enter your ZIP code to get started.

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