Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 17, 2022

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Just the Basics

  • Rideshare insurance helps close gaps between commercial and personal auto insurance policies
  • The easiest and often most affordable way to buy rideshare insurance is through your personal car insurance company
  • Some top companies that offer rideshare insurance include GEICO, Mercury Insurance, State Farm, Allstate, American Family Insurance, and Progressive

If you drive for a rideshare app, delivery service, or some other money-earning activities, you may have realized there’s a coverage gap. Many insurance companies now ask if you drive for business. They don’t cover your activity while you’re on the clock. Rideshare insurance could help you make sure you have enough accident coverage before it’s too late.

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. Either way, there are often gaps between a commercial auto policy and a personal auto policy. Read more below about how rideshare insurance can help protect you.

If you need help searching for affordable rideshare insurance, enter your ZIP code into our free quote comparison tool above.

What is rideshare insurance?

There are various types of insurance coverage options, such as collision coverage, personal injury protection, bodily injury liability coverage, underinsured motorist coverage, and comprehensive coverage.

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.

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.

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.

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How much is rideshare insurance 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. 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
CompanyCosts to Add Rideshare Insurance to a Traditional Policy
AllstateApproximately $20 per year
ErieBetween $9 and $15 per month
MercuryAs low as $27 per month
SafecoPossibly under $10 per month
State FarmApproximately 15-20 percent of the original premium
USAAAs low as $6 per month
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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 rideshare insurance quotes by researching the companies that offer this coverage for drivers and using online quote tools, such as the one below.

Where can I buy 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.

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 insurance available from 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.

Which Companies Offer Reliable Rideshare Coverage?

Some top companies that offer rideshare insurance include GEICO, Mercury Insurance, State Farm, Allstate, and Progressive. If you’re not sure about your insurer, you can call or check out their website and search for a rideshare insurance policy. Many providers make it easy to manage your own policy online.

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How can I find the right policy with rideshare companies?

Need help finding rideshare insurance policies? Enter your ZIP code into our free quote comparison tool below to compare rates today.