Compare Car Insurance Companies That Accept Rideshare [2021]

The best car insurance companies that accept rideshare drivers are State Farm and GEICO. Both companies provide coverage the whole time you drive and not just when you're waiting to pick up a customer. Other auto insurance companies that accept rideshare drivers are USAA, American Family, Safeco, and Allstate, but their coverage is limited.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 18, 2021

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Here's What You Need to Know

  • Uber, Lyft, and other transportation network companies only provide liability coverage
  • State Farm and GEICO are the top two car insurance companies that accept rideshare drivers and offer full coverage
  • Other auto insurance companies that accept rideshare offer add-ons to personal policies that come with limited coverage

If you drive for a rideshare company like Lyft or Uber, your personal car insurance policy probably doesn’t cover you.

If you were to get into an accident while working, your personal policy would reject your claim since you were on the clock and not using the vehicle for personal use at the time of the accident.

Understanding your car insurance policy will help you figure out what kind of rideshare car insurance you need.

Save money by shopping for policies with car insurance companies that accept rideshare drivers and offer specific rideshare auto insurance add-ons and policies. Enter your ZIP code above to get free car insurance quotes from local companies now.

What are the best car insurance companies that accept rideshare drivers?

Now that ridesharing is widely available across the country, drivers aren’t limited to purchasing expensive commercial car insurance policies.

More companies offer rideshare car insurance that caters to the nuances of working for Uber or Lyft. In addition, some have partnered with these transportation network companies (TNCs) to provide specific policy types to drivers.

The two best car insurance companies for rideshare drivers are GEICO and State Farm. Both companies offer coverage that applies when customers are in your vehicle and while you wait to pick customers up.

GEICO is currently the only provider offering a hybrid insurance policy that applies to rideshare and personal driving.

It fills in the gaps where Uber or Lyft insurance doesn’t apply and includes liability coverage, damages to your car, and medical expenses while you’re working.

With GEICO rideshare insurance, you can purchase different coverage levels that will continue to apply while a customer is in your car. These coverages include liability, comprehensive, and collision.

With State Farm, however, liability insurance does not carry over once you pick up a ride.

You will still have comprehensive and collision coverage, but if you choose to buy rideshare car insurance with State Farm, you need to ensure that Uber, Lyft, or the TNC you work for provides liability coverage while with a customer.

What does rideshare car insurance look like with other providers?

Most auto insurance companies that accept rideshare do not provide coverage during that gap of time when you’re waiting for a customer.

Uber and Lyft will also not cover you unless you are with a ride, so it’s essential to have a policy in place that covers every second the rideshare app is running.

Rideshare auto insurance policy options from other companies usually come in the form of add-ons. These rideshare add-ons are added to a personal policy to cover you. At the same time, you are clocked into the rideshare app.

The following car insurance companies offer rideshare add-ons for insurance. The monthly rideshare rates are included:

With rideshare endorsements from these providers, coverage will apply during that gap time while you wait for a ride. However, no coverage from your personal policy rolls over once you pick up a customer.

If you shop for auto insurance from car insurance companies that don’t accept rideshare drivers, you will have to buy a commercial car insurance policy that can sometimes double your monthly rates.

How much rideshare insurance do Uber and Lyft provide?

Uber and Lyft provide liability coverage that only applies to damages you cause to another driver or their property. This coverage bumps up to $1 million when you have a customer in the car.

If you want comprehensive or collision coverage, you must carry it on your personal policy for Uber or Lyft to honor it.

Even then, TNCs have higher deductibles than you might carry on a personal policy, which is why shopping for policies from car insurance companies that accept rideshare drivers is more lucrative.

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Where can I find affordable car insurance companies that accept rideshare?

Rideshare car insurance rates are affordable and can often cost you less than $10 per month depending on how much coverage you need and which company you choose.

State Farm or GEICO policies often cost only 15% – 20% more than you pay for a personal policy and provide the additional coverage you need to protect you the whole time you are working.

To find the most affordable car insurance companies that accept rideshare drivers near you, compare quotes from at least three companies to see which offers you the best rates.

Start here with free car insurance quotes from local companies that offer rideshare insurance with our comparison tool below. Enter your ZIP code now to generate quotes.

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