Rideshare Car Insurance Coverage: What to Know

While rideshare companies and delivery services generally offer some level of coverage to their drivers, it may vary throughout the ride. Rideshare insurance pads what your company provides to ensure you're protected in case of an accident. Rideshare insurance is available through most major insurance companies as an add-on to an existing policy.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 11, 2021

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Things to Know

  • Rideshare insurance protects drivers during rides for Uber, Lyft, DoorDash, etc
  • Company-provided coverage varies throughout any given ride
  • Most major insurance companies offer rideshare insurance as an add-on to existing private policies

Drivers for rideshare companies and delivery services are expected to use their own vehicles. Rideshare insurance is an add-on available from most major car insurance companies.

It provides additional coverage to what the rideshare company offers, ensuring drivers are protected.

Before you read on about rideshare insurance, enter your ZIP code into our free tool now to compare affordable rideshare car insurance rates.

What is rideshare insurance?

Rideshare insurance refers to policy add-ons most drivers can get from their existing insurance provider.

This additional coverage bridges the gap between the level of protection drivers need and the amount their rideshare company offers.

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What does rideshare insurance cover?

As with most insurance, rideshare car insurance policies can vary depending on the amount of coverage you want and the amount you’re willing to pay for.

Do you need rideshare insurance?

Rideshare companies like Uber and Lyft, and delivery services like DoorDash and GrubHub, offer their drivers some amount of car insurance.

But this coverage can vary depending on whether or not the driver has picked up a rider. If they are in between rides, many companies drop coverage to the bare minimum, if they cover anything at all.

If you are in an accident while driving for a rideshare, you may be liable for medical bills and car repairs for you and anyone else involved in the incident.

It is beneficial to buy rideshare car insurance, as rideshare insurance protects you against this liability.

What about your personal insurance?

According to the Insurance Information Institute, the majority of personal car insurance policies don’t cover accidents that occur while ridesharing or delivering.

Rideshare insurance is an additional policy that rideshare drivers need on top of their normal, everyday car insurance.

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How much is rideshare insurance?

The cost of car insurance varies depending on how much coverage you want, and the same applies to rideshare insurance.

As an add-on, though, Rideshare doesn’t usually cost that much per month. Here are some estimated monthly rideshare car insurance rates:

Average Monthly Insurance Rates for Rideshare Programs by Company
CompanyAverage Monthly Rideshare 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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Where can you get rideshare insurance?

Whether it’s Allstate, USAA, or Progressive rideshare insurance, most major providers will offer a rideshare add-on. But, if you can’t get rideshare insurance through your current provider, it may be time to shop around.

Compare rideshare car insurance quotes today by entering your ZIP code into our free and easy-to-use tool below.

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