Rideshare Insurance: Everything You Need to Know

Insurance for Lyft and Uber drivers falls between commercial and personal auto insurance. Learn more about the steps to take to insure your vehicle.

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What is rideshare insurance?

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.

  1. How does rideshare insurance work?
  2. Do I need rideshare insurance?
  3. How much is it by insurance provider?
  4. What kind of coverage does Lyft/Uber provide to their drivers?
  5. What to do if you have an accident while driving for Uber or Lyft
  6. What does rideshare insurance in my state look like?

 

How rideshare car insurance works for Uber and Lyft

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:

 

RIDESHARE INSURANCE BREAKDOWN

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 the 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.

 


 

Why does rideshare insurance exist?

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.

 


 

How much is rideshare coverage: by company

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 Six-month Premium w/out Endorsement With Endorsement
Allstate $905 $920
Amica $707 $756
AAA $919 $1,042
Country Financial $502 $512
Farmers $852 $1,104
Liberty Mutual $1,340 $1,447
Progressive $838 $958
State Farm $655 $777
USAA $545 $601

 

Keep in mind, rideshare availability will be subject to state and insurance provider availability. This data reflects costs paid by an average user profile in the U.S.

Enter your ZIP code below to see rates for your exact user profile.

 

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Lyft & Uber insurance coverage

 

Uber insurance coverage

Period 0 Offline - Your Personal Policy
Period 1 Liability Only - State requirement
Period 2 & 3 $1 million Liability, $1M UIM/UM, Contingent Collision and Comprehensive



Lyft insurance coverage

Period 0 Offline - Your Personal Policy
Period 1 Liability Only - State requirement
Period 2 & 3 $1 million Liability/UIM/UM, Contingent Collision and Comprehensive

 

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. Lyft and Uber each 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) — all of which are designed to meet or exceed state limits. If your state requirement is 50/100/30, Lyft will match that — raising the property damage limit to $30,000. However, Lyft and Uber will not lower their limits to meet a state’s requirements and will always retain, 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.

 

What to do if you're in an accident while driving for Uber or Lyft

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 need assistance or want a rideshare insurance quote, please call 888-444-2833 or click the button below.


Consult an agent and get rideshare coverage today


Uber and Lyft insurance coverage requirements and the best rideshare insurance by state

 

*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, 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, 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 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, Ethio 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, Mercury, 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, 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, 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 Farm, 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, Mercury, 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, Mercury, 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, Erie 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, 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, 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, Erie 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

 

 

*Please note: it is your responsibility to inform your insurance company that you drive for a ride-sharing service. Because this is considered a business activity, a standard insurance policy does not provide sufficient coverage. Driving for a rideshare company without a proper insurance policy could leave you at risk for any potential damages and could lead to your coverage being dropped altogether. Please contact a representative at your insurance company to discuss coverage options.

 


 

 


 

RECENT QUESTIONS

If I mostly use Lyft or Uber, do I still need car insurance?

Renting and borrowing a vehicle sound similar, but the way the insurance coverage works for both situations is different. Let's take a look: Renting - If you have an auto policy that includes comprehensive and collision coverage, that policy will normally extend to cover a rental vehicle as well.
Sep 15, 2017 Jersey City, NJ

Can I bundle multiple ride-sharing policies together to save on insurance?

In order to have a ridesharing policy with a standard car insurance company (such as Geico or Progressive), you have to have a personal policy already established. A personal policy is what the average driver in the US currently has.
Oct 4, 2018 John Day, OR

If I have insurance with State Farm in Pennsylvania and will be leasing a car through Uber Xchange, will I be able to keep my policy?

As of March 20, 2017, State Farm began offering a coverage endorsement for TNC drivers in Pennsylvania. This means that you should be able to maintain your existing policy once you start driving for Uber.
Jul 12, 2017 Philadelphia, PA

My car is garaged in Tijuana. What insurance company will insure me for California only?

I'm sorry but since your car is garaged in Mexico, you will not be able to get insurance in California. Your insurance has to be in the state where the vehicle is registered.
Jul 29, 2019 San Ysidro, CA

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Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.