Rideshare Car Insurance (Compare Quotes)
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UPDATED: Aug 25, 2021
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- Rideshare drivers will likely benefit from acquiring business or commercial car insurance policies
- Rideshare insurance options include business add-ons and full commercial insurance policies
- Allstate, Progressive, and USAA all offer competitive rideshare car insurance policies
Given the popularity of ride-hailing apps like Uber and Lyft, it’s no surprise that many prominent car insurance companies now offer rideshare auto insurance policies.
Keep reading to find an affordable rideshare car insurance policy that suits your personal needs.
Keep in mind that cheap car insurance doesn’t equate to insufficient insurance coverage — you can easily find a comprehensive auto insurance plan that doesn’t break the bank.
Ready to look for a rideshare auto insurance plan? Enter your ZIP code in our free search tool for a list of car insurance quotes from providers near you.
Where can I buy rideshare car insurance?
Although rideshare drivers are not legally required to purchase a commercial car insurance plan, most rideshare services mandate that drivers, at minimum, carry a private policy.
Your rideshare car insurance company options will vary depending on where you live. The table below lists out which insurance providers currently offer rideshare insurance policies in DC and each of the fifty states.
|Alabama||Farmers, Geico, State Farm, USAA|
|Arizona||Allstate, Farmers, Geico, Mercury, USAA|
|California||Allstate, Farmers, Liberty Mutual, Mercury, Metlife, Metromile, State Farm, USAA|
|Colorado||Allstate, Farmers, Geico, Metlife, Safeco, State Farm, USAA|
|Connecticut||Geico, Liberty Mutual, State Farm|
|District of Columbia||Allstate, Geico, Liberty Mutual|
|Georgia||Allstate, Farmers, Geico, State Farm, USAA|
|Idaho||Farmers, State Farm|
|Illinois||Allstate, Erie, Farmers, Geico, Mercury, Metlife, Metromile, Safeco, USAA|
|Indiana||Allstate, Erie, Farmers, Geico, Safeco, State Farm, USAA|
|Iowa||Farmers, State Farm, USAA|
|Kansas||Farmers, Geico, USAA|
|Kentucky||Allstate, Erie, State Farm, USAA|
|Louisiana||State Farm, USAA|
|Maine||Geico, State Farm|
|Maryland||Allstate, Erie, Farmers, Geico, Liberty Mutual, USAA|
|Massachusetts||Liberty Mutual, USAA|
|Minnesota||Allstate, Farmers, Geico|
|Nebraska||Farmers, Geico, State Farm, USAA|
|Nevada||Allstate, Mercury, State Farm|
|New Jersey||Farmers, USAA|
|New Mexico||Farmers, Geico|
|New York||None Listed|
|North Carolina||Farmers, Liberty Mutual|
|North Dakota||None Listed|
|Ohio||Allstate, Erie, Farmers, Geico, State Farm, USAA|
|Oklahoma||Allstate, Farmers, Geico, Mercury, State Farm, USAA|
|Oregon||State Farm, USAA|
|Pennsylvania||Erie, Geico, Liberty Mutual, Progressive|
|Rhode Island||Geico, Liberty Mutual|
|South Dakota||None Listed|
|Tennessee||Allstate, Erie, Farmers, Geico, Liberty Mutual, State Farm, USAA|
|Texas||Allstate, Farmers, Geico, Liberty Mutual, Metlife, Progressive, USAA|
|Virginia||Allstate, Erie, Geico, Liberty Mutual|
|Washington||Allstate, Metlife, Metromile, State Farm, USAA|
|West Virginia||State Farm|
|Wisconsin||Allstate, Erie, Farmers, Geico, State Farm|
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Let’s take a closer look at the rideshare auto insurance policies available at three major national companies: Allstate, Progressive, and USAA.
Allstate’s rideshare insurance is available to drivers from virtually every ride-hailing service but is especially beneficial to Lyft drivers. Lyft’s corporate car insurance deductibles can run as high as $2,500, whereas Allstate’s average deductible is roughly $500.
That said, Allstate’s rideshare policies don’t necessarily cover the driver during all phases of the rideshare process. Damage and injury protection typically apply only when the driver is alone and signed in to the app but not when they are ferrying passengers.
Progressive is a great choice for rideshare drivers who double-dip into the food delivery market, as the company offers customized plans for customers who work in both industries.
However, the utility of Progressive’s rideshare insurance can vary dramatically depending on individual circumstances. The wide variety of available plans necessitates researching your options before choosing a specific policy.
USAA rideshare insurance is a great option for drivers seeking to cover the gaps between signing into the app and picking up a customer.
For as little as $6 more per month, USAA will cover drivers from the time they sign into the app until they pick up a passenger.
However, USAA is only available to active military, veterans, and their immediate family members. You may find cheaper rideshare car insurance rates by comparison shopping online for various commercial policies.
Do rideshare drivers need commercial car insurance?
If the rideshare app you work for doesn’t provide drivers with a company insurance plan, then you will want to consider purchasing commercial or business auto insurance. Your personal policy will not cover you if you get into an accident while working.
If your rideshare gig is part-time, then you may be best served by simply purchasing a business add-on to your existing personal car insurance policy.
On the other hand, if you’re a full-time rideshare driver, then you’re probably better off with a full-blown commercial car insurance plan. According to the Insurance Information Institute, business car insurance is especially useful when you drive your vehicle primarily for work purposes.
A commercial policy will provide you with thorough coverage for a variety of potential incidents, including liability insurance, property damage, collision insurance, and uninsured/underinsured motorist protection.
Rideshare Car Insurance: The Bottom Line
Rideshare drivers have a lot of potential auto insurance options to choose from. You can opt for minimal coverage in the form of gap coverage plans or business add-ons, or play it safe with a comprehensive commercial policy.
Our free search tool enables you to quickly obtain rideshare auto insurance quotes from providers in your location. Just enter your ZIP code below to get free car insurance quotes from local companies.
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