Cheap Rideshare Auto Insurance in 2025 [Lowest Rates With These 10 Companies]
USAA, State Farm, and Geico offer the best cheap rideshare auto insurance, with rates from $90. USAA is the top pick for military benefits. State Farm provides extensive coverage, while Geico offers the lowest rates. These insurers deliver affordable, reliable protection for rideshare drivers.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Feb 9, 2025
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Feb 9, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page

Company Facts
Min. Coverage for Rideshare
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Min. Coverage for Rideshare
A.M. Best Rating
Complaint Level
Pros & Cons

The best cheap rideshare auto insurance providers are USAA, State Farm, and Geico. USAA is the top pick for its low rates and military perks. State Farm has great coverage options, while Geico offers the lowest prices.
If you drive for a rideshare app or other side gigs, you may have a coverage gap. Rideshare insurance could help you make sure you have enough accident coverage before it’s too late.
Our Top 10 Company Picks: Cheap Rideshare Car Insurance
Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $90 | A++ | Military Benefits | USAA | |
#2 | $95 | B | Extensive Coverage | State Farm | |
#3 | $97 | A++ | Affordable Rates | Geico | |
#4 | $100 | A+ | Customizable Plans | Progressive | |
#5 | $102 | A+ | Flexible Add-Ons | Farmers | |
#6 | $108 | A+ | Innovative Programs | Nationwide | |
#7 | $110 | A | Budget-Friendly | Mercury | |
#8 | $112 | A | Budget-Friendly | Liberty Mutual | |
#9 | $115 | A+ | Comprehensive Options | Allstate | |
#10 | $120 | A+ | High Satisfaction | Erie |
Some companies might provide their rideshare drivers with some coverage. Others leave it up to the individual drivers to get all the insurance they need.
If you need help searching for affordable rideshare insurance, enter your ZIP code into our free quote comparison tool above.
- Rideshare insurance fills coverage gaps that personal policies don’t cover
- The easiest and often most affordable way to buy rideshare insurance is through
- USAA, State Farm, and Geico are top picks for affordability and strong coverage
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#1 – USAA: Top Overall Pick
Pros
- Best Overall Value: USAA provides top-rated cheap rideshare auto insurance with substantial benefits at just $90 for minimum coverage.
- Exclusive Military Discounts: USAA offers unique savings for military members and their families on rideshare coverage.
- Excellent Customer Service: USAA is known for high customer satisfaction and responsive claims handling for rideshare drivers.
Cons
- Membership Restrictions: USAA’s cheap rideshare auto insurance is only available to military members and their families. Get details in our guide, “USAA Car Insurance Review.”
- Limited Availability: USAA doesn’t offer coverage to the general public, limiting access to its affordable rideshare insurance.
#2 – State Farm: Best for Extensive Coverage
Pros
- Comprehensive Coverage Choices: State Farm offers extensive coverage for cheap rideshare auto insurance at $95 for minimum coverage.
- Strong Customer Support: Rideshare drivers love State Farm’s helpful customer service and easy claims process. Check out our guide, “State Farm Car Insurance Review,” to know more.
- Multi-Policy Savings: State Farm provides discounts for bundling cheap rideshare auto insurance with home or other policies.
Cons
- Limited Multi-Policy Discounts: The savings for bundling rideshare insurance may not be as high as some competitors.
- Full Coverage Costs More: While minimum rates are competitive, full coverage for cheap rideshare auto insurance can be costly.
#3 – Geico: Best for Affordable Rates
Pros
- User-Friendly Online Tools: Geico offers easy online quotes and policy management for cheap rideshare auto insurance. For details, explore our guide, “Geico Car Insurance Review.”
- Good Discount Opportunities: Rideshare drivers can access multiple discounts to lower their cheap rideshare auto insurance costs.
- Lowest Monthly Pricing: Geico offers some of the cheapest rideshare auto insurance rates, starting at just $97 for minimum coverage.
Cons
- Limited Customization: Geico’s cheap rideshare auto insurance policies may not offer as many add-ons as other providers.
- Customer Service Varies: Some policyholders report mixed experiences with claims and support for rideshare coverage.
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#4 – Progressive: Best for Customizable Plans
Pros
- Flexible Coverage Options: Progressive allows drivers to tailor their cheap rideshare auto insurance with rates starting at $100 for minimum coverage.
- Intense Claims Process: Rideshare drivers benefit from a quick and efficient claims-handling process. Want more info? Read our guide, “Progressive Car Insurance Review.”
- Snapshot Discount Program: Progressive rewards safe drivers with lower cheap rideshare auto insurance premiums.
Cons
- Higher Base Rates: Progressive’s base rates for cheap rideshare auto insurance are higher than those of its competitors.
- Limited Local Agents: Some areas have fewer in-person agents for personalized rideshare auto insurance assistance and support.
#5 – Farmers: Best for Flexible Add-Ons
Pros
- Flexible Coverage: Farmers lets drivers add extra options to build a rideshare plan that works for them, starting at just $102 for basic coverage.
- Accident Forgiveness: Did you make a small mistake? No worries! Farmers won’t always raise their rates, thanks to their accident forgiveness.
- Trusted Name: Farmers has been around for years, offering reliable and budget-friendly rideshare insurance. Click our “Farmers Car Insurance Review” guide for all the details.
Cons
- Pricier Than Some Competitors: Farmers’ cheap rideshare auto insurance rates are slightly higher than top budget providers.
- Discounts May Vary: Savings and deals for cheap rideshare auto insurance depend on location and eligibility.
#6 – Nationwide: Best for Innovative Programs
Pros
- SmartRide Program: Nationwide offers a telematics program to lower cheap rideshare auto insurance costs, with rates from $108 for minimum coverage.
- Strong Bundling Discounts: Policyholders can save money by bundling auto, home, and cheap rideshare auto insurance for extra savings.
- Vanishing Deductible: Safe drivers can gradually reduce their deductible over time with consistent, responsible driving habits.
Cons
- Not the Cheapest Option: Nationwide’s starting rates for cheap rideshare auto insurance are higher than some competitors.
- Mixed Customer Reviews: Some policyholders report inconsistencies in claims handling. Get the full picture in our guide, “Nationwide Car Insurance Review.”
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#7 – Mercury: Best for Budget-Friendly
Pros
- Competitive Pricing: Mercury keeps cheap rideshare auto insurance rates affordable, starting at $110 for minimum coverage, helping drivers save money.
- Multi-Car Discount: Rideshare drivers with multiple vehicles can get extra savings, making coverage budget-friendly. The answers are in our guide, “Mercury Car Insurance Review.”
- Efficient Claims Process: Mercury is known for fast and hassle-free claims processing, helping drivers get back on the road quickly.
Cons
- Fewer Discounts Available: Mercury doesn’t have as many discounts as bigger insurance companies, so there might be fewer ways to save.
- Limited Availability: Mercury’s cheap rideshare auto insurance is not available in all states, making options more restricted for some drivers.
#8 – Liberty Mutual: Best for Budget-Friendly
Pros
- Affordable Policies: Liberty Mutual offers budget-friendly cheap rideshare auto insurance with rates from $112 for minimum coverage.
- New Car Replacement: This coverage fully replaces newer rideshare vehicles if they are totaled in an accident.
- Accident Forgiveness: This feature helps drivers avoid higher rates after their first accident, keeping their insurance costs more affordable over time.
Cons
- Higher Premiums for Drivers: Liberty Mutual’s full coverage options can be more expensive. Unlock more info with our guide, “Liberty Mutual Car Insurance Review.”
- Discount Eligibility Varies: Some great discounts for cheap rideshare auto insurance often depend on your specific location, insurance provider, vehicle type, and coverage options.
#9 – Allstate: Best for Comprehensive Options
Pros
- Extensive Coverage Choices: Allstate offers strong policy options for cheap rideshare auto insurance at $115 for minimum coverage, giving drivers peace of mind.
- Safe Driving Discounts: Allstate rewards responsible drivers with lower rates, helping them save more money over time. Everything you need is in our guide, “Allstate Car Insurance Review.”
- Claim Satisfaction Guarantee: Ensures a smooth claims process with customer support guarantees, making stressful situations much easier.
Cons
- Higher Costs: Allstate’s cheap rideshare auto insurance rates tend to be on the higher price side for many rideshare drivers.
- Limited Availability of Coverage: Not all Allstate policies include full rideshare protection for every location or driver.
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#10 – Erie: Best for High Satisfaction
Pros
- Highly Rated Service: Erie is known for excellent customer service in cheap rideshare auto insurance, with rates from $120 for minimum coverage.
- Rate Lock Option: Erie offers a rate lock feature to stabilize premiums. Our guide, “Erie Car Insurance Review,” provides the full breakdown.
- Substantial Policy Customization: Erie allows drivers to personalize cheap rideshare auto insurance to fit their needs.
Cons
- Limited State Availability: Erie’s cheap rideshare auto insurance is only available in certain states, so check before applying.
- Not the Cheapest Option: Erie’s rates are higher than many competitors offering budget-friendly policies, which may not fit everyone’s budget.
Rideshare Insurance Explained
There are various types of insurance coverage options, such as collision coverage, personal injury protection, bodily injury liability coverage, underinsured motorist coverage, comprehensive coverage, and rideshare gap protection.
Rideshare Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$115 | $240 | |
$120 | $245 | |
$102 | $230 | |
$97 | $215 | |
$112 | $236 | |
$110 | $235 | |
$108 | $225 | |
$100 | $220 | |
$95 | $210 | |
$90 | $205 |
Rideshare insurance offers coverage for those who use their personal vehicle to earn money, whether that is through a transportation app such as Lyft or Uber or a delivery service such as GrubHub, with potential discounts available.
Car Insurance Discounts From the Top Providers for Rideshare
Insurance Company | Available Discounts |
---|---|
Ride for Hire Gap Coverage, Deductible Gap Coverage, Safe Driving Bonus | |
Safe Driver, Multi-Vehicle, Reduced Usage | |
Signal Program, Multi-Line, Good Student | |
Multi-Policy, Safe Driver, Good Student | |
RightTrack Program, Multi-Car, Advanced Safety Features | |
RealDrive Pay-Per-Mile, Good Driver, Affinity | |
SmartRide Program, Multi-Policy, Paperless Billing | |
Snapshot Program, Multi-Car, Continuous Coverage | |
Drive Safe & Save Program, Multi-Vehicle, Good Student | |
Multi-Policy, Safe Driver, Vehicle Storage |
Some of these ridesharing apps and other delivery app employers have a commercial policy that provides some coverage for their drivers. For example, Uber drivers have coverage based on whether they’re logged into the app, waiting for an assignment, or have accepted a job. (To find out more about Uber insurance, you can contact Uber driver support by clicking Help on the driver app.)
However, many of these commercial policies leave gaps between their coverage and your personal auto insurance for rideshare companies, which can lead to financial risks and uncovered claims. It’s important to find the right insurance for rideshare companies to stay protected.
However, many of these commercial policies leave gaps between their coverage and your personal car insurance. One of the best reasons for auto insurance is accident preparedness: for best results, prepare for the worst.
Buying rideshare insurance is a crucial accident preparedness step for rideshare and delivery drivers. It’s also important to report your work activities to your personal insurer so that they won’t cancel your car insurance policy. If for nothing else, it provides peace of mind and closes gaps in your personal policy that could cause issues later on.
Rideshare Insurance Cost for Drivers
Rideshare insurance rates will depend on the company you choose, what kind of policy you buy, and how much rideshare coverage you’ll have. Car insurance quotes, tips, and savings can help you compare options. It isn’t as much as a full commercial policy, but it is an add-on.
Many large insurance companies offer standard rideshare insurance now. So let’s look at some of the estimated monthly costs associated with ridesharing drive insurance.
Example Rideshare Insurance Rates
Company | Costs to Add Rideshare Insurance to a Traditional Policy |
---|---|
Allstate | Approximately $20 per year |
Erie | Between $9 and $15 per month |
Mercury | As low as $27 per month |
Safeco | Possibly under $10 per month |
State Farm | Approximately 15-20 percent of the original premium |
USAA | As low as $6 per month |
If you purchase rideshare insurance from your auto insurance provider, you may pay less than if you were to buy a separate policy. As you can see, many add-ons can be extremely reasonable with a personal auto insurance policy. However, if rideshare insurance is not available in your area, you may need to buy your own commercial insurance policy, which can be more expensive.
You can receive car insurance quotes for Uber drivers by researching the companies that offer this coverage for drivers and using online quote tools, such as the one below.
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The Best Way to Secure a Rideshare Policy
The easiest place to purchase rideshare insurance is your auto insurance company. However, if they don’t offer it, you may have to buy a hybrid policy from another company. When you get a quote, you can compare the price to switch your personal policy as well and see how it balances out.
Innovative programs, like mileage-based pricing, discounts, and policy add-ons, help drivers get cheap rideshare auto insurance without losing essential coverage and benefits.Brandon Frady Licensed Insurance Agent
You should let your personal insurance company know that you are driving for rideshare apps or making deliveries to earn money. They may be able to quote you for rideshare and commercial auto insurance so you can compare auto insurance premiums.
You should also learn more about the rideshare auto insurance Arizona offers through the rideshare company you drive for. Understanding the coverage gaps between the policies can help you choose a rideshare coverage that will protect you in case of an accident.
Read more: How Much Insurance Do I Need for My Car?
Reliable Rideshare Coverage from Trusted Companies
Some well-known ride-sharing companies include Geico, Mercury Insurance, State Farm, Allstate, and Progressive. These companies provide coverage that fills the gaps when driving for Uber, Lyft, or other ride-sharing services. Having the right insurance means you’re protected, whether waiting for a ride request or driving a passenger.
If you’re unsure if your insurance company covers rideshare driving, check their website or call them quickly. Many companies let you manage your policy online, so adding coverage or getting a quote is simple. It’s a good idea to double-check what’s included in your policy so you’re not caught off guard if something happens.
Stuck trying to choose the right coverage? Call State Farm. pic.twitter.com/rwojdNXjFa
— State Farm (@StateFarm) May 7, 2024
The right insurance keeps you covered while you’re on the road. Without it, you could pay out of pocket for damages or injuries. A good rideshare policy gives you peace of mind so you can focus on driving without worrying about gaps in coverage.
Read more: Types of Car Insurance Coverage Archives
Understanding Policy Options for Rideshare Companies
Understanding policy options for rideshare companies is important for drivers who want the right protection. Regular auto insurance does not cover accidents that happen while driving for a rideshare company.
That’s why physicians and drivers need a special policy that covers both personal and rideshare use. Without the right coverage, physicians and drivers could face big expenses if something goes wrong.
Many rideshare companies offer some insurance, but it may not be enough. Their coverage often only applies in certain situations, like when a physician or driver has a passenger or is on the way to pick one up, so mercury rideshare insurance can help fill the gaps.
During other times, there may be little or no coverage. That’s why physicians and drivers need a personal rideshare policy to fill the gaps. This kind of policy makes sure they are covered at all times, even between rides.
Read more: How Car Insurance Works in 2025
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Case Studies: Affordable Rideshare Insurance That Works
Getting the right rideshare insurance makes a big difference for drivers. Here are three drivers who found affordable plans that fit their needs, gave them good coverage, and helped them drive with peace of mind.
Case Study 1: USA’s Best Overall Value for Military Drivers
David, a veteran, wanted the best mix of price, service, and benefits for his needs. USAA’s low rates and exclusive military benefits perfectly fit his rideshare insurance policy and long-term savings. Get the lowdown in our guide, “What You Should Know About Country Financial.”
Case Study 2: Saving Money with Geico’s Low Rates
Jake drives for a rideshare company part-time, so he needed a policy that fit his budget but still gave him good coverage. Geico’s rates start at $90 a month, which gave him the protection he needed without paying for extras he didn’t want.
Case Study 3: State Farm’s Extensive Coverage for Extra Protection
Maria drives full-time and wanted strong coverage that protected her during work and personal trips. State Farm’s rideshare policy covered both personal and work use, giving her peace of mind on the road every single day.
The right insurance company depends on how you drive, your budget, and what kind of coverage you need. Looking at different options can help you find the best rideshare coverage for the best price.
Choosing the Best Rideshare Insurance for Your Needs
Choosing the right cheap rideshare auto insurance is essential for staying covered without overpaying. USAA, State Farm, and Geico offer great options based on price, coverage, and reliability. Each company has benefits that fit different driver needs.
Before picking a policy, compare rates and coverage options to find the best fit. Consider how often you drive, your budget, and any extra protection you need. A good policy should balance cost and coverage without leaving gaps.
The right insurance gives peace of mind while keeping costs low. Take the time to research and choose wisely. The best policy keeps you protected at a price that works for you. We’ve got more for you in our guide, “Where can I get cheap full coverage car insurance?”
Need help finding rideshare insurance policies? Enter your ZIP code into our free quote comparison tool below to compare rates today.
Frequently Asked Questions
How much is rideshare insurance?
The cost of rideshare insurance depends on location, provider, and coverage, usually ranging from $6 to $30 monthly. However, getting a rideshare car insurance quote is the best way to find an exact cost.
Does GEICO offer rideshare insurance?
Yes, Geico rideshare insurance is available in different states and helps cover drivers during all rideshare periods. It offers protection when waiting for a request, heading to pick up passengers, and driving trips. Don’t let expensive insurance rates hold you back. Enter your ZIP code and shop for affordable premiums from the top companies.
What are the best rideshare insurance companies?
The best rideshare insurance companies include GEICO, Progressive, Allstate, Mercury, and other providers offering solid coverage. Comparing different options helps find affordable plans that fit drivers’ needs and locations. Get the full scoop in our guide, “Car Insurance with Telematics.”
What is the best insurance for rideshare drivers?
The best insurance for rideshare drivers depends on affordability, coverage options, and company reliability for protecting drivers. Many choose Allstate, Progressive, GEICO, and Mercury for their comprehensive rideshare policies.
What is the lowest-cost rideshare insurance in Arizona?
The lowest-cost rideshare insurance in Arizona depends on different factors, like company, plan, and driver history. Many drivers in Arizona find cheap rideshare insurance options through GEICO, Progressive, or Mercury.
Does Progressive offer rideshare insurance in Arizona?
Yes, Progressive Rideshare insurance Arizona is available for drivers needing protection between personal and company policies. This plan covers gaps when waiting for a ride request or driving without passengers. For further details, consult our guide, “How to Drive Safely, No Matter the Time of Day.”
How much is rideshare coverage?
The price of rideshare coverage varies based on insurance providers, plans, and driver records, typically costing extra monthly. Some drivers choose cheap rideshare car insurance, while others invest in more complete protection.
What is rideshare gap coverage?
Rideshare gap coverage helps drivers by filling the coverage gap between personal policies and rideshare company insurance. It offers protection when waiting for a request, reducing risks during uninsured periods. No matter how much coverage you need, you can find the lowest rates by entering your ZIP code into our free comparison tool.
Which insurance companies cover Uber drivers?
There are many insurance companies that cover Uber drivers, including Allstate, GEICO, Progressive, and Mercury. Comparing plans from different providers ensures rideshare drivers find the best coverage available. You’ll find more insights in our guide, “Safe Driving Tips: How to Keep Your Insurance and Car Safe.”
How does rideshare insurance vary by state?
Rideshare insurance by state differs based on local regulations, insurance providers, and available coverage options for drivers. Some states have more choices, while others have limited plans with fewer protections.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.