Rideshare Coverage

Most ridesharing and delivery companies offer some insurance coverage to their drivers. But this coverage is limited and may vary depending on what part of the ride you’re at. Rideshare insurance can help Uber drivers and other rideshare and delivery drivers close the gap between what their company covers while they’re ridesharing, and the amount of coverage they actually need.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 14, 2021

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The Highlights

  • Rideshare insurance covers you and your vehicle while you drive for a rideshare or delivery service (like Uber, Lyft, and DoorDash)
  • The coverage most rideshare and delivery services offer their drivers varies depending on where you are in the ride
  • Rideshare insurance can help you bridge the gap between the amount of coverage your company offers and the amount you need
  • You can get rideshare insurance as an add-on to your existing policy with most major insurance providers

When you drive for Uber or deliver food for DoorDash, you use your own vehicle. If you’re in an accident while on the job, you definitely want to have enough insurance coverage.

Some rideshare and other delivery companies may offer their drivers a certain amount of coverage. But there can be pretty big gaps between a commercial car insurance policy and a personal car insurance policy.

Rideshare insurance from one of the best insurance companies can help make sure you’re protected.

Before you read on to learn more about rideshare insurance and how to get the coverage you need, enter your ZIP code first to compare the rideshare car insurance quotes.

What is rideshare insurance?

Rideshare insurance is coverage for Uber drivers, Lyft drivers, DoorDash drivers, and other rideshare or delivery service drivers who use their personal vehicle while working.

According to the Insurance Information Institute, most personal car insurance policies won’t cover accidents that occur while driving for a rideshare or delivery service.

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How does rideshare insurance work?

Rideshare insurance isn’t a stand-alone coverage option. Usually, it’s considered an add-on to any personal car insurance you already have. It may also be part of a hybrid insurance policy, depending on your provider.

Basically, you’ll have your “normal” insurance policy that covers you and your vehicle when you drive for yourself. Then, you have additional rideshare insurance that covers you when you’re driving for your ridesharing or delivery job.

What does rideshare insurance cover?

Rideshare insurance isn’t a set amount of coverage. Just like a regular insurance policy, you can pick and choose what kind of coverage you want to pay for.

How do I know what coverage I need?

The first thing you should do when you start driving for any delivery or rideshare service is figure out what insurance (if any) the company has for you.

You’ll need to know exactly what, when, and how much your company insurance covers.

For example, both Lyft and Uber insurance cover liability car insurance when you’re logged into the app but haven’t accepted a ride. But, they only offer comprehensive coverage once you’ve accepted a ride and are en route.

This means that your coverage can vary greatly depending on where you are in the rideshare or delivery process.

Once you know what kind of coverage you already have, when it applies, and how much you’re covered for, you can make an educated decision on how much additional rideshare drive insurance you need.

To figure out what kind of coverage you already have, check out Uber driver support, or the support page for whatever ridesharing or delivery service you work for.

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How much does rideshare insurance cost?

Most of the major insurance providers do now offer standard affordable rideshare car insurance policies. Based on those, here are some estimated monthly costs for rideshare insurance:

Average Monthly Insurance Rates for Rideshare Programs by Company
Company Average Monthly Insurance Rates
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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Just like with any insurance policy, rideshare car insurance rates are calculated based on a variety of factors: your driving history, your age, how much coverage you want, the provider you choose, etc.

Where can I get rideshare insurance?

The easiest way to get rideshare insurance is to add it to your existing insurance policy with your current insurance provider.

However, not all insurance providers offer rideshare insurance. If yours doesn’t, you have a few options.

Get Commercial Car Insurance

If your insurance provider doesn’t offer rideshare insurance, or rideshare insurance isn’t available in your area, you may want to consider getting commercial car insurance.

This will make sure you have the coverage you need to protect you and your vehicle in the event of an accident. However, commercial car insurance is generally more expensive than personal policies.

Switch Providers

Many of the best car insurance companies offer rideshare drive insurance at great rates. If your current provider doesn’t, it might be time to shop around.

Ready to buy rideshare car insurance? Enter your ZIP code below to start comparing the rideshare insurance rates right now.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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