+120 more)
Elizabeth Rivelli is an experienced content writer with expertise in insurance and personal finance. Elizabeth has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance, and she’s written for Compare.com since 2023.
Elizabeth’s byline has been featured in dozens of publications, including Investopedia, Forbes, USA Today, Bankrate, and several insurance companies.
)
)
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
If you drive for a rideshare service, you need the right type of insurance to ensure you always have adequate coverage. Your personal car insurance policy doesn’t cover you after picking up passengers, and rideshare companies like Uber and Lyft provide only a limited amount of added coverage.
To have coverage when actively transporting rideshare passengers, you’ll need to add a rideshare endorsement to your personal auto insurance policy.
Many insurance companies offer rideshare insurance endorsements, but like regular car insurance, premiums can vary. State Farm, USAA, and Clearcover are the best companies for rideshare insurance, according to our research.
We’ll cover everything you need to know about rideshare insurance, including how it works, what types of coverage you need, and how much you can expect to pay, in the sections below.
The average rideshare insurance policy costs around $154 per month.
Rideshare coverage kicks in when you turn the app on and are available for rides, but specific coverage depends on which period of the journey you’re in.
Some companies cover rideshare drivers only through commercial auto policies rather than an endorsement you can add to your personal policy.
Rideshare insurance is slightly different from personal auto insurance. It protects you and your vehicle if you get into an accident while driving passengers for transportation network companies (TNCs), like Uber or Lyft.
During trips, your personal car insurance policy doesn’t apply, so you’ll need to supplement your coverage with a specialized rideshare endorsement.
Here are some of the most important things to know about rideshare insurance.
Normal car insurance doesn’t cover rideshare drivers during every phase of the trip — typically only when you’re not working. When you drive for Uber or Lyft, you’re using your vehicle for business purposes, which your personal auto insurance policy doesn’t cover.
Your personal car insurance policy only provides complete coverage before you turn the app on. Some companies may provide limited coverage while you’re waiting to accept a trip, but once you accept a ride request and start driving to the pickup location, your personal car insurance no longer covers you.[1] [2]
To fill the gaps in your personal car insurance policy, Uber and Lyft provide some coverage for rideshare drivers, but it’s generally not enough to provide full protection.
The TNC insurance policy kicks in once you turn the app on and are available to accept rides. During this phase, Uber and Lyft provide liability insurance with the following coverage limits:[3]
$50,000 per person in bodily injury liability (BI) insurance
$100,000 per accident in BI coverage
$25,000 per accident in property damage liability (PD) insurance
Uber and Lyft also provide additional protection once you’ve accepted a trip and are en route to a pickup or actively driving a passenger. During these two phases, the coverage types and coverage limits include:[4]
$1,000,000 in bodily injury and property damage liability coverage for your passengers and other drivers
First-party coverages, such as uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments (MedPay)
Collision insurance and comprehensive insurance with a $2,500 deductible — but only if you already have these coverages on your personal auto policy
While this added TNC coverage is beneficial, it doesn’t provide enough coverage on its own. For example, your personal car insurance policy and the rideshare company’s insurance provide limited protection when you’re online but between rides. Getting specialized third-party rideshare insurance fills the coverage gap and provides more complete protection.
Compare personalized quotes before your next trip.
To drive for a rideshare service, you’ll need a personal car insurance policy and, ideally, a rideshare endorsement. A rideshare insurance endorsement typically includes the same coverages you have on your personal policy, like third-party liability, collision, comprehensive, and uninsured/underinsured motorist insurance.
Uber’s and Lyft’s rideshare insurance policies provide liability insurance and some first-party coverages (policies that cover the driver). But you can get collision and comprehensive insurance from the rideshare company only if you already have those coverages on your personal auto policy.
)
The average car insurance policy with a rideshare endorsement costs about $154 per month, according to Compare.com data. Adding a rideshare endorsement to your personal car insurance policy will raise your premium, but the extra cost is usually relatively small.
That said, the cost of rideshare insurance depends on many factors, including your location, insurance company, vehicle type, coverage limits, and deductibles.
The chart below compares the average monthly rideshare insurance premiums from several major insurers offering rideshare endorsements, according to our data.
Rideshare insurance works in conjunction with your personal car insurance and the coverage from Uber or Lyft. But each applies only during certain phases of your trip. Your rideshare coverage activates when you turn on the app. It continues during periods when you’re waiting for a request, heading to a pickup, or transporting a passenger.
The table below breaks down which insurance applies during each phase of the rideshare journey.
Period  | Personal Auto Coverage | Rideshare Company Coverage |
|---|---|---|
| Period 1: Waiting for a ride request | ✓ | Liability coverage only |
| Period 2: Request accepted, en route to pickup | ✓ | |
| Period 3: Ride underway | ✓ |
We’ll explore each period in more detail below.
Active coverage: Personal auto policy
Your rideshare insurance doesn’t apply when you turn the app off. Instead, your personal auto policy provides coverage since you aren’t ridesharing.
Active coverage: Personal auto policy and rideshare company (liability only)
Your personal auto policy still applies once you’re online and waiting for a ride request, but Uber or Lyft adds liability-only coverage. The liability coverage protects others if you cause an accident, but it doesn’t provide protection for your own vehicle.
Active coverage: Rideshare company
When you accept a ride and drive to pick up a passenger, your Uber or Lyft coverage becomes the primary coverage. At this point, your personal auto policy isn’t actively covering you since you’re engaged in commercial driving.
Active coverage: Rideshare company
During your active trip, Uber or Lyft provides coverage for you, your passengers, and others if you cause an accident. Your personal auto policy doesn’t apply. But after you drop off the passenger and end the trip, you’ll return to period 1 until you sign off and close the app.
Many reputable insurance companies sell rideshare endorsements, but there isn’t a single insurance company that’s the best option for all rideshare drivers. The cost of coverage differs from one driver to another, and every driver has unique coverage needs and preferences.
The following insurance companies are some of the best options for rideshare insurance, according to our research. We chose these insurers based on factors like average rideshare insurance rates, coverage options, and online reviews from existing customers.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Average rideshare endorsement cost: $23 per month
USAA sells rideshare insurance to active-duty and retired military members and their immediate family members. The company consistently ranks among the top car insurers for overall customer satisfaction in J.D. Power’s annual auto insurance surveys.[5]
Existing USAA customers can get rideshare insurance in many states, though availability can vary. You should check with your USAA agent to be sure the company offers it in your state.
Available nationwide
Military-focused discounts
Competitive auto insurance rates
Potential claims-processing issues
Limited coverage options
Gap insurance not available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Average rideshare endorsement cost: $23 per month
State Farm is the largest car insurance company in the U.S., and it offers highly rated rideshare coverage to current car insurance customers.[6] The company’s rideshare endorsement — which the company calls Transportation Network Company Driver Coverage — provides third-party liability coverage, physical damage coverage, and first-party medical payments coverage on top of your existing policy.
You can get rideshare insurance from State Farm in every state where the company offers auto insurance policies.
Among the best customer service satisfaction in the industry
24/7 claims service with large repair network
Lots of available discounts
High rates for high-risk drivers
Limited coverage options
Higher than average customer complaints
| User Ratings | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.5 /5 |
Clearcover offers low rates to teens and young drivers — a big selling point since this group tends to pay some of the highest rates. But customer satisfaction levels are low, so be sure to do your due diligence before deciding if Clearcover is right for you.
Clearcover offers low rates to teens and young drivers — a big selling point since this group tends to pay some of the highest rates. But customer satisfaction levels are low, so be sure to do your due diligence before deciding if Clearcover is right for you.
Average rideshare endorsement cost: $17 per month
Clearcover rideshare insurance is available to current car insurance policyholders who drive for companies like Uber or Lyft. The insurer offers a streamlined digital experience and fast claims handling, and its rideshare endorsement rate is also among the most affordable in America.
If you want to add a rideshare endorsement to your existing Clearcover insurance policy, reach out to your agent.
Cheaper-than-average premiums
Excellent website and mobile app
Military discount of up to 25%
No other available discounts
No gap insurance or mechanical breakdown coverage
No way to bundle policies
Personal car insurance rates can vary significantly between insurance companies, and rideshare insurance is no different. Some insurance companies offer much more affordable rates than others.
Below, you can compare the cheapest companies for rideshare insurance, based on average monthly premiums, according to Compare.com data.
Insurance Company | Average Monthly Premium |
|---|---|
| USAA | $53 |
| State Farm | $56 |
| Allstate | $75 |
| Erie | $77 |
| American Family | $81 |
| Safeco | $88 |
| Mercury | $96 |
| Progressive | $98 |
| Travelers | $101 |
| Farmers | $111 |
| CSAA | $136 |
| Clearcover | $140 |
| Liberty Mutual | $154 |
| Amica | $278 |
Because rideshare insurance premiums vary, it’s important to compare personalized rate quotes from several insurers. Comparing premiums will help you find the most affordable rideshare insurance for your unique driver profile and coverage needs.
Compare personalized quotes from America’s top insurers.
You can purchase rideshare insurance from many of the most popular car insurance companies, but not all companies offer rideshare endorsements. If your current insurer doesn’t offer rideshare insurance, you’ll need to find another company that can give you the coverage you need.
Some insurance-comparison sites, including Compare.com and Insurify, allow you to compare personalized car insurance quotes that include rideshare coverage so you can find the best deal.
Many reputable insurance companies sell rideshare endorsements. Here are some of the most popular companies that offer these types of endorsements to existing policyholders:
 |  |  | | |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $107/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $161/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $134/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $82/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $76/mo* |
Overall Rating 3.5 | Overall Rating 4.1 | Overall Rating 3.2 | Overall Rating 3.9 | Overall Rating 4.3 |
Value 3.8/5 | Value 3.7/5 | Value 3.3/5 | Value 4.0/5 | Value 4.9/5 |
Customer Service 4.1/5 | Customer Service 4.3/5 | Customer Service 3.6/5 | Customer Service 4.4/5 | Customer Service 4.4/5 |
Claims Handling 3.6/5 | Claims Handling 4.1/5 | Claims Handling 3.4/5 | Claims Handling 4.0/5 | Claims Handling 4.2/5 |
Special Highlight Broad gap protectionAI-generated from 165 user reviews | Special Highlight Easy rideshare add-onAI-generated from 57 user reviews | Special Highlight Comprehensive protection while onlineAI-generated from 274 user reviews | Special Highlight Seamless policy extensionAI-generated from 302 user reviews | Special Highlight Affordable gap protectionAI-generated from 65 user reviews |
Some major insurers, like GEICO and Nationwide, offer commercial auto insurance policies tailored to rideshare drivers, but you can’t add it to your existing policy.
)
Most insurance companies that sell rideshare insurance offer it only to existing policyholders. If your current car insurance company doesn’t offer a rideshare endorsement, you’ll need to find one that does. Here are the general steps you should follow to add rideshare coverage to your car insurance policy:
Contact your car insurance company: Notify your car insurance company that you’re driving for a rideshare service and want to add rideshare coverage to your existing policy. Keep in mind that many car insurance companies don’t provide rideshare quotes online, so you’ll probably have to call an agent.
Get a quote: Get a personalized rate quote online or over the phone. Select your policy limits for individual coverages and choose your deductible amounts. And don’t forget to ask the agent about any discounts you might qualify for. If you’re satisfied with the quoted premium, the agent can add the endorsement to your current policy.
Pay the first premium: Before your rideshare endorsement takes effect, you must pay the first month’s premium. If you choose to pay the annual premium up front and in full, you might qualify for a small discount.
No matter which insurance company you choose, you can still find ways to reduce your rideshare insurance premium. Here are some tips for getting cheaper rideshare coverage:
Pay your policy in full. If you pay your annual rideshare insurance premium up front and in full, it lowers your overall cost.
Increase your deductible. Choose a higher deductible for coverages like collision and comprehensive insurance (as long as you can afford the extra cost if you file a claim).
Take a defensive driving course. Completing an approved driving course can earn you a discount with some insurance companies.
Maintain a clean driving record. Keep your driving record free of accidents and traffic violations to lower your rates.
Compare quotes. Shopping around and comparing quotes from multiple insurance companies is one of the easiest ways to find cheaper rideshare coverage.
Get personalized coverage options from top insurers in minutes.
If you still have questions about rideshare insurance, check out these questions and answers to learn more.
Yes, you should tell your insurance company if you sign up to drive for Uber, Lyft, or an on-demand delivery service. If you don’t, your insurance company may not cover accidents that happen while ridesharing.
No. Your personal car insurance doesn’t cover you while you’re driving for Lyft or Uber because you’re using your vehicle for commercial purposes. That said, your personal policy applies when you turn off your app.
No. You don’t need a separate commercial auto policy to drive for Uber, but you do need coverage that fills the gaps in your personal auto policy. Uber provides insurance only when the driver app is on, so your personal policy doesn’t apply during those periods.
It depends on your trip phase. If your app is off, your personal auto insurance applies. If your app is on and you’re waiting for a request, the rideshare company provides limited liability coverage. And if you’re on your way to pick up a passenger or transporting one, the rideshare company’s full coverage applies.
Yes. Rideshare insurance typically increases your auto insurance premium, but rideshare endorsements are usually much cheaper than buying a full commercial auto policy. Keep in mind that cost varies by company, where you live, and your driver profile.
It depends — the best car insurance company for Uber drivers is different for everyone. Choose a rideshare insurance company that offers the best coverage at an affordable price. Comparing quotes from multiple insurers can help you find the cheapest and best rideshare insurance.
Most rideshare insurance policies cover DoorDash drivers when using their personal vehicles to make deliveries. Similar to Uber and Lyft drivers, rideshare insurance covers DoorDash drivers when they’re waiting to accept a delivery request, when driving to the pickup location, and when they’re en route to the drop-off.
Rideshare insurance premiums in California depend on many factors, including your vehicle type, age, insurance company, and coverage limits. That said, we found that the average California rideshare driver pays an additional $17 per month to add a rideshare endorsement to their policy. To get the cheapest coverage in California, you should compare rideshare insurance premiums from several insurance companies.
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Elizabeth Rivelli is an experienced content writer with expertise in insurance and personal finance. Elizabeth has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance, and she’s written for Compare.com since 2023.
Elizabeth’s byline has been featured in dozens of publications, including Investopedia, Forbes, USA Today, Bankrate, and several insurance companies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
)
