Rideshare Insurance: 10 Best Auto Insurance Companies for Uber and Lyft Drivers (2022)

1. USAA

• Insurify Composite Score: 94
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: USAA’s Ridesharing Gap Coverage covers you while you are logged on to your ridesharing app and waiting for a rideshare request. Most insurance companies will call this coverage “gap coverage,” referring to the gaps of time in between trips, as well as the gap that may exist in your overall insurance coverage. This roughly corresponds with the “available” and “en route” stage stages of a ridesharing trip.
• Estimated Cost: As little as $6 added per month to your existing personal auto insurance premium with USAA

USAA ’ s gap coverage policy alone applies to the “ available ” stage of a ridesharing trip. That means that this coverage does not make up for the potentially limit coverage offered by Uber or Lyft during the “ en path ” stage. USAA insurance coverage is entirely available to current military service members, veterans, and their families.

2. American Family

• Insurify Composite Score: 88
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: American Family Insurance describes its coverage, called the American Family Rideshare Endorsement, as an add-on to your existing personal policy with American Family. It is the equivalent of ridesharing gap coverage and provides the same coverage as your personal auto policy (including bodily injury liability, property damage liability, collision, comprehensive, medical payments coverage, and personal injury protection).
• Estimated cost: Varies. The cost is added to your existing personal auto insurance premium with American Family Insurance.

American Family ’ mho rideshare coverage only covers the “ available ” degree of a ridesharing tripper. Your commercial indemnity policy through Uber or Lyft covers the pillow of a trip .

3. GEICO

• Insurify Composite Score: 87
• Coverage Type: Hybrid Insurance Package
• Coverage Description: GEICO Rideshare Insurance, a “hybrid” rideshare policy, is meant to replace your personal auto insurance policy and covers you whether you’re driving on or off the clock.
• Estimated Cost: Varies. The cost will increase from your personal auto insurance premium with GEICO, as it replaces your personal policy. Deductibles can be as low as $250 for this hybrid package.

This rideshare indemnity is meant to cover you ( as the named driver on the policy ), anyone surviving in your home, your passengers ( up to your policy limits for injuries or property damage ), and place damage to your cable car if you have collision and comprehensive insurance. GEICO ’ randomness rideshare policy covers all stages of a ridesharing trip. GEICO besides boasts lower rates than taxi and commercial policies, even lower deductibles. If you have multiple vehicles in your family, you ’ ll want to continue to have personal car policy on the cars not being used for rideshare services ( i.e., the ones you ’ re not driving for Uber or Lyft ). GEICO stipulates that its ridesharing insurance box applies to drivers for Uber, Lyft, Amazon Flex, Grubhub, DoorDash, Postmates, Uber Eats, or any combination of these.

4. Allstate

• Insurify Composite Score: 86
• Coverage Type: Additional Protection OR Hybrid Commercial Insurance Package
• Coverage Description: The Allstate Ride for Hire policy does not cover you when you’re signed off of your rideshare app, so it does not replace your personal auto insurance policy. Instead, it is deductible gap coverage for up to $2,500 while you are driving for a rideshare company like Uber or Lyft.
• Estimated Cost: $10 to $20 added per month to your existing personal auto insurance premium with Allstate

Ride for Hire includes both break coverage and deductible gap coverage for potential expenses during other stages of a ridesharing trip. In this room, it protects drivers against the high deductibles of Lyft or Uber car policy. As of 2022, Allstate has also partnered with Uber to provide commercial insurance protection to both riders and drivers in about a twelve states. This hybrid, full ridesharing policy policy combines personal and occupation coverage into one singular policy .

5. Erie

• Insurify Composite Score: 85
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: Erie’s Rideshare Insurance is rolled into your personal auto insurance coverage. Erie has extended its “business use” clause of personal auto insurance policies to include rideshare services, essentially providing Lyft and Uber driver insurance. (Previously, they only covered services such as food delivery.)
• Estimated Cost: $9 to $15 added per month to your existing personal auto insurance premium with Erie.

Erie ’ s Rideshare Insurance covers all stages of a ridesharing trip .

6. Safeco

• Insurify Composite Score: 85
• Coverage Type: Personal Coverage Extension
• Coverage Description: Safeco’s RideSharing Coverage extends your existing personal auto insurance to cover you while on the clock for a rideshare company like Uber and Lyft. It does not replace your personal auto insurance policy.
• Estimated Cost: Around $10 added per month to your existing personal auto insurance premium with Safeco.

If you have multiple vehicles in your family, ridesharing coverage will merely protect vehicles explicitly written under this optional coverage.Safeco ’ sulfur rideshare coverage only covers the “ available ” stage of a ridesharing slip.

7. State Farm

• Insurify Composite Score: 83
• Coverage Type: Personal Insurance Coverage Extension
• Coverage Description: State Farm’s Rideshare Driver Coverage extends your personal auto insurance to all stages of your rideshare trips. However, your liability coverage does not carry over to your rideshare trips during the “en route” or “on trip” stages. Liability is only included during the “available” phase.
• Estimated Cost: Additional 15 to 20 percent of your current premium with State Farm.

express farm maintains that this extra coverage is a fresh decision because it puts your personal policy deductible into effect while ridesharing. furthermore, if you have a claim, you can deal with State Farm immediately rather of your rideshare company .

8. Farmers

• Insurify Composite Score: 83
• Coverage Type: Personal Insurance Coverage Extension OR Hybrid Commercial Insurance Package
• Coverage Description: Farmers Rideshare extends your existing personal auto insurance to cover you while on the clock for a rideshare company like Uber and Lyft. It does not replace your personal auto insurance policy.
• Estimated Cost: Varies. Cost is added to your personal auto insurance premium with Farmers.

The Farmers rideshare coverage second only covers the “ available ” stage of a ridesharing slip. As of 2022, Farmers has partnered with Uber to provide commercial insurance protection to rideshare drivers in about a twelve states. This loanblend, full-coverage car insurance policy for ridesharing drivers combines personal and business coverage into one curious policy .