Insurance for Lyft and Uber falls between commercial and personal auto insurance.
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Rideshare coverage extends your personal auto policy while you’re working for companies like Uber and Lyft but haven’t accepted a ride request yet. Once you have accepted a ride, coverage from Uber and Lyft takes over.
Working as a rideshare driver complicates the seemingly straightforward relationship between personal auto insurance — the type of policy most drivers carry — and commercial car insurance. Insurance companies had to create entirely new rules and regulations to accommodate the growing trend of ridesharing via companies like Uber and Lyft. This classification of car insurance is now known as rideshare coverage — it's available for purchase as an add-on (also known as an endorsement) through most insurance companies.
If you are a Lyft or Uber driver, it's vital for you to know how your personal insurance and rideshare insurance policies differ. We'll start by breaking down how auto insurance coverage for the two largest ridesharing companies works:
Period | Summary |
Period 0 | Offline: Your Personal Policy |
Period 1 | Online WITHOUT ride request: rideshare insurance + Lyft/Uber Policy |
Period 2 | Online WITH ride request but NO rider: Lyft/Uber Policy |
Period 3 | Online WITH rider in vehicle: Lyft/Uber Policy |
Period 0: This is when the driver is not using a rideshare app. This could include trips such as going to the doctor's office or the grocery store.
Period 1: This period begins when an Uber or Lyft driver is using their personal car — with the app active — but has not yet received a pick-up request. Here, you would be covered by rideshare insurance and Uber's and Lyft' insurance coverage. Therefore, you need rideshare coverage. Although both Uber and Lyft's insurance is active during this period, they only offer liability coverage for other vehicles or passengers. In essence, your vehicle has no protection that would be provided by standard comprehensive and collision coverages. Rideshare insurance extends your personal auto policy to cover your vehicle.
Period 2: Period 2 begins when a driver has the app active, has received a request, and is en route to pick up a rider. This is when your personal policy and rideshare insurance cease to provide coverage. At this point, all insurance coverage is handled by Lyft or Uber.
Period 3: This period begins when you have the app open and are currently driving your customer to their destination. Lyft's or Uber's insurance policies cover this period.
With the rideshare endorsement, the coverage provided by your personal auto policy is extended through period 1, taking care of any coverage gaps that could prove costly. Periods 2 and 3 are identical in terms of insurance coverage details. From the time you receive a ride request to the time you drop the rider off, you have coverage through Uber or Lyft. The amount of coverage varies per rideshare service and by geographic location.
In addition to providing coverage for the period when a driver is awaiting a ride request, rideshare coverage makes it so your insurance company can’t cancel your policy for being a rideshare driver. Most motorists have their cars insured for personal use. Using your vehicle in a business fashion — as rideshare drivers do — could actually require a more costly commercial policy. Commercial insurance and personal use policies are very different in what they cover and how much they cost. It is imperative that you find the right insurance option if you want to stay insured and ensure claims are paid out by your insurance provider.
Using a methodology outlined here, we discovered that adding a rideshare endorsement to your car insurance policy will raise your rates an average of $94. Below are some car insurance providers that include this coverage as well as some estimated rates.
| Company | ||
| Allstate | ||
| Amica | ||
| AAA | ||
| Country Financial | ||
| Farmers | ||
| Liberty Mutual | ||
| Progressive | ||
| State Farm | ||
| USAA |
Keep in mind, rideshare availability will be subject to state and insurance provider availability. Moreover, this data is reflective of an average user profile across the US. The data should only be considered directionally. Enter your zip code below to see rates for your exact user profile.
While Lyft and Uber both follow the Period 0-3 guidelines, the amount of coverage they offer to their drivers varies. Both Lyft and Uber use Contingent Collision and Comprehensive coverage during periods 2 and 3. By this, they mean their collision and comprehensive coverage are dependent on your personal policy also having the same coverage. Moreover, Lyft and Uber both offer limits of $50K per person for bodily injury, $100K per accident for bodily injury, and $25K per accident for property damage (read as 100/50/25) — both of which are designed to meet or exceed state limits. If your state requirement is 50/100/30, Lyft will match that — raising their property damage limit to $30,000. However, Lyft and Uber will not lower their limits to meet the state’s requirements and will always remain, at minimum, their 50/100/25 company regulations.
Lyft and Uber differ in the monetary value of deductibles they offer during periods 2 and 3. Uber offers a $1,000 deductible for collision and comprehensive claims while Lyft sets its deductibles at $2,500 with a maximum payout of $50,000 per accident.
Whether you are driving for a rideshare service or not, the first thing you should do in an accident is to contact the police. Afterward, you can start thinking about insurance. You'll need to make sure that you follow your company's protocol in such a situation, which depends on which period you are in. If you are on your way to pick up a fare or are currently carrying a passenger when the accident occurs — periods 2 or 3 respectively — Uber and Lyft's coverage works fully, covering any damages or injuries that you cause up to $1 million.
Both companies offer collision and comprehensive coverage to cover damages to your vehicle as well, but only if you carry them on your personal policy. Accidents that occur during period 0 fall under your personal policy and should be reported as such — unless your state or rideshare company stipulates otherwise. Uber and Lyft provide liability-only coverage during period 1, so a rideshare policy is critical to prevent coverage gaps.
*If you just glanced at this table and your head is already spinning, Ask an Agent about rideshare insurance and we'll help you out.
| State | Company Name | Uber Requirements | Lyft Requirements |
|---|---|---|---|
| Alabama | GEICO, USAA, State Farm, and Farmers | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Alaska | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 | |
| Arizona | Allstate, GEICO, USAA, Mercury, and Farmers | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM with Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Arkansas | Farmers Insurance | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM with Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| California | State Farm, Mercury, Farmers, Allstate, USAA, Liberty Mutual, MetLife, Metromile, | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/30 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Colorado | Farmers,GEICO, USAA, AllState | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Connecticut | Liberty Mutual,GEICO, State Farm | Period 1: 50/100/30 limits - 20/40 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25, 20/40 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Delaware | GEICO, State Farm | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - with Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Florida | Foremost | Period 1: 50/100/25 - $10,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM -Comprehensive/Collision with deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM -Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Georgia | State Farm,GEICO, USAA, Allstate, Ehtio-American, Farmers | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - with Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/50 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Hawaii | Period 1: 50/100/25 - $10,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision with deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 | |
| Idaho | State Farm | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Illinois | Farmers, Erie, Travelers, GEICO, USAA Allstate, SafeCo, Mecury, Metlife, Metromile | Period 1: 50/100/25 - 25/50 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Indiana | Allstate, Farmers, GEICO, SafeCo, State Farm, and USAA | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Iowa | Farmers, State Farm, and USAA | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Kansas | Farmers, GEICO, USAA | Period 1: 50/100/25 - 25/50 UM/UIM - PIP; $4,500 medical expenses, up to $900/month for one year for disability/loss of income, $25/day for in-home services, $2,000 for burial services, $4,500 rehab Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Kentucky | Allstate, USAA, State Farmer, Erie | Period 1: 50/100/25 - $10,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Louisiana | State Farm, USAA | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Maine | GEICO, State Farm | Period 1: 50/100/25 - 50/100 UM/UIM - $2,000 of medical payments Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Maryland | Allstate, Erie, Farmers, GEICO, Liberty Mutual, USAA | Period 1: 50/100/25 - 30/60/15 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Massachusetts | Liberty Mutual, USAA | Period 1: 50/100/25 - 20/40 UM/UIM - $8,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM deductibles at $1,000 | Period 1: 50/100/30 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Michigan | Farmers | Period 1: 50/100/25 - Unlimited PIP - $1,000,000 Property Protection Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Minnesota | Allstate, Farmers, GEICO, State Farm | Period 1: 50/100/25 - 25/50 UM/UIM - $40,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 - Deductibles at $1,000 | Period 1: 50/100/30 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability 1,500,000 - UIM/UM 1,500,000. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Mississippi | State Farm | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Missouri | USAA | Period 1: 50/100/25 - 25/50 UIM/UM Period 2 & 3: $1,000,000 combined single auto liability limit at - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - UM/UIM 50/100 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Montana | Farmers | Period 1: 50/100/25 Period 2 & 3: $1,000,000 combined single auto liability limit at - $1,000,000 UIM/UM -Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Nebraska | Farmers, GEICO, State Farm, USAA | Period 1: 50/100/25 - 25/50 UIM/UM Period 2 & 3: $1,000,000 combined single auto liability limit at - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 25/50/25 - 25/50 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Nevada | Farmers, Mecury, Allstate | Period 1: 50/100/25 Period 2 & 3: $1,000,000 combined single auto liability limit at - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability 1,500,000 - UIM/UM 1,500,000. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| New Hampshire | USAA | Period 1: 50/100/25 - 25/50/25 UM/UIM - $1,000 medical payments Period 2 & 3: $1,000,000 combined single auto liability limit at - $1,000,000 UIM/UM - $1,000 Deductibles | Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| New Jersey | Farmers | Period 1: 50/100/25 - $15,000 PIP - Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability 1,500,000 - UIM/UM 1,500,000. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| New Mexico | Farmers, GEICO | Period 1: 50/100/25 Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| New York | Period 1: 50/100/25 - 50/100 death liability - $50,000 PIP Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | N/A | |
| North Carolina | Farmers, Liberty Mutual | Period 1: 50/100/25 - 30/60/25 UM/UIM Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability 1,500,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| North Dakota | Farmers, GEICO, State Farm, USAA | Period 1: 50/100/25 - 25/50 UIM/UM - 30 PIP Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Ohio | Farmers, GEICO, USAA, State Farm | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM -Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Oklahoma | Allstate, Farmers, GEICO, Mecury, State Farm, USAA | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Oregon | State Farm, USAA | Period 1: 50/100/25 - 25/50 UM/UIM - $15,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Pennsylvania | Erie, GEICO, Liberty Mutual | Period 1: 50/100/25 - $5,000 Medical benefits Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Rhode Island | GEICO | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability 1,500,000 - UIM/UM 1,500,000. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| South Carolina | GEICO, Allstate | Period 1: 50/100/25 - 25/50/25 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/50 - 50/100 UM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| South Dakota | Period 1: 50/100/25 - 25/50 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 | |
| Tennessee | Allstate, Erie, Farmers, GEICO, State Farm, USAA | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Texas | Allstate, Farmers, GEICO, Liberty Mutual, USAA, MetLife, and Progressive. | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM- Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Utah | Farmers, Allstate | Period 1: 50/100/25 - $3,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/30 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Vermont | Period 1: 50/100/25 - 50/100/10 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100/10 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 | |
| Virginia | Allstate, GEICO, Liberty Mutual, and Erie Insurance. | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Washington | Allstate, State Farm, USAA, MetLife, and MetroMile. | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/30 - 50/100 UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| West Virginia | State Farm, GEICO, Erie | Period 1: 50/100/25 - 25/50/25 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UIM/UM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Wisconsin | Allstate, Erie, Farmers, GEICO, and State Farm | Period 1: 50/100/25 - 10/25/50 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 - 50/100 UM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Wyoming | USAA | Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
| Washington DC | Allstate, GEICO, Liberty Mutual, and Erie Insurance. | Period 1: 50/100/25 - 25/50/5 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 | Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 |
