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By Ava Lynch
Updated December 8, 2022
Edited By Beth Swanson

Table of contents:

  1. How does rideshare insurance work?
  2. Do I need rideshare insurance?
  3. How much does rideshare insurance cost?
  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?
  7. Additional resources

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

car insurance policy

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:

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, and do I need it?

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.

car

Rates for 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 by 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.

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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.

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

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.

Uber and Lyft offer collision and comprehensive coverage to cover damages to your vehicle, but only if you carry them on your personal policy.

If you need assistance or want a rideshare insurance quote, please call 888-444-2833 or enter your zip code to get started.

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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.

insurance agent
State Company Name Uber Requirements Lyft Requirements
Alabama GEICO, USAA, State Farm, Farmers Period 1: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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: 50/100/25Period 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: 50/100/25Period 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: 50/100/25Period 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: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/30Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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/UIMPeriod 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/UIMPeriod 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: 50/100/25Period 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: 50/100/25Period 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: 50/100/25Period 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: 50/100/50Period 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 PIPPeriod 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: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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/UIMPeriod 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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 rehabPeriod 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/UIMPeriod 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 PIPPeriod 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/UIMPeriod 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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 paymentsPeriod 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/UIMPeriod 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/UIMPeriod 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/UIMPeriod 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 PIPPeriod 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM deductibles at $1,000 Period 1: 50/100/30Period 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 ProtectionPeriod 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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 PIPPeriod 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/UIMPeriod 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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/UMPeriod 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 50/100Period 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: 50/100/25Period 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/UIMPeriod 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/UMPeriod 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/UIMPeriod 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: 50/100/25Period 2 & 3: $1,000,000 combined single auto liability limit at - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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 paymentsPeriod 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/UIMPeriod 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: 50/100/25Period 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: 50/100/25Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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 PIPPeriod 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/UIMPeriod 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25 - 50/100 UM/UIMPeriod 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 PIPPeriod 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25 - 50/100 UM/UIMPeriod 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM -Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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 PIPPeriod 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 UMPeriod 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 benefitsPeriod 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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/UIMPeriod 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 UMPeriod 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/UIMPeriod 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM- Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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 PIPPeriod 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/30Period 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/UIMPeriod 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/UIMPeriod 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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: 50/100/25Period 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 UIMPeriod 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/UIMPeriod 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/UMPeriod 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/UIMPeriod 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 UMPeriod 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: 50/100/25Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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/UIMPeriod 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000 Period 1: 50/100/25Period 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.

 

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RECENT QUESTIONS

Will my Farmers insurance roadside assistance provide towing up to 250 miles?

Roadside assistance varies by insurance company. From my understanding, most towing and roadside assistance coverage offered as part of an auto policy either has a set dollar amount to cover a tow, covers towing up to 15 miles from your breakdown, or covers towing to the nearest repair facility.
Jul 20, 2017 Oakdale, CA

Do I claim my stolen vehicle with Lyft or GEICO?

One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information.
Jan 23, 2019 Houston, TX

Why Uber and Lyft ask for vehicle inspection even we have a DMV inspection?

You are correct when it comes to the state vehicle inspection. You do have to have your car inspected to drive legally.
Jan 10, 2019 Mountain View, CA

Will my auto insurance cover me to drive for Uber?

Unfortunately most insurance companies are taking a wait-and-see approach to ridesharing coverage so the answer isn't exactly clear. Each insurance company also differs in how they operate so your best bet would be to ask your existing insurance company about this specific question before you start driving for Uber.
Jun 26, 2016 Dover, NH
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