Rideshare Insurance (Costs, Coverage, & Quotes)

Rideshare insurance covers any gaps in coverage between your personal car insurance policy and the policy your employer provides. Rideshare insurance is much less expensive than commercial car insurance coverage (USAA rideshare insurance is only $6 a month). It's important to get rideshare insurance if you plan on driving for Uber or Lyft as your personal car insurance policy will not cover you on the job.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jul 1, 2021

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Here's what you need to know...

  • Rideshare insurance fills in the coverage gaps between your personal car insurance policy and your employer’s.
  • Rideshare insurance is much less expensive than commercial car insurance.
  • Coverage and rates differ from company to company.

Ridesharing is a great way for people to make extra money with a part-time gig, but did you know you need rideshare insurance to make sure you’re covered on the job?

Personal car insurance policies don’t typically cover commercial or business use of a vehicle. If you get in an accident while driving for Uber or Lyft, not only will you not be covered, but you could also lose your car insurance altogether.

Keep reading to learn how much rideshare insurance costs, what it covers, and how it differs from other types of car insurance coverage. Then enter your ZIP code above to find affordable rideshare insurance quotes from providers near you.

How much does rideshare insurance cost?

Unfortunately, rideshare insurance typically costs more than a personal car insurance policy. However, on the bright side, rideshare insurance typically costs less than a commercial car insurance policy.

Why does this matter? Well, your personal car insurance policy won’t cover you if you’re on the job and have neglected to tell them you use your vehicle for ridesharing. And if you get a commercial car insurance policy, your rates could skyrocket.

That’s where rideshare insurance comes in. For only a few dollars more a month, you can get rideshare insurance add-ons that cover you whether you’re on the job or not. And you won’t have to spring for the extra expensive commercial car insurance policy.

Prices for rideshare insurance will vary from company to company. For example, USAA rideshare insurance costs only $6 a month while some insurers may charge as much as $300 a year. Compare rideshare auto insurance quotes from multiple companies to find the best deal.

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What does rideshare insurance cover?

Rideshare insurance companies can differ when it comes to policy types and coverage amounts. For example, Allstate rideshare insurance covers you while waiting for a rideshare request, while driving to a pick-up point, and while driving a passenger. Alternatively, Progressive rideshare insurance only covers you while waiting for a rideshare request.

In some cases, the rideshare company will provide auto insurance that may cover you while you are on the job, but it’s important to have rideshare insurance to fill in any gaps between your personal coverage and the coverage your company provides.

Rember to compare rideshare car insurance rates from company to company to make sure you’re getting the coverage you want at an affordable price.

How does rideshare insurance differ from other types of car insurance coverage?

A personal car insurance policy only covers the personal use of a vehicle. This means that your liability, collision, and comprehensive car insurance only take effect when you’re using your vehicle for non-business purposes.

Ridesharing companies may also offer car insurance coverage for when you’re on the clock and driving passengers to places, but this type of insurance doesn’t always cover you, and you may be caught paying out of pocket for accidents that occur while you’re waiting for a rideshare request.

Rideshare insurance add-ons fill in the gaps between your personal car insurance policy and the coverage your employer might provide. And since it’s less expensive than a commercial car insurance policy, rideshare insurance can be a real lifesaver.

Now that you know all about rideshare insurance, starting shopping for a policy today. Enter your ZIP code into our free comparison tool below to buy rideshare car insurance from providers in your area.

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