Rideshare Insurance: Everything You Need to Know

Insurance for rideshare drivers falls between commercial and personal auto insurance. Learn more about how to insure your vehicle, or enter your ZIP code below to start comparing rates.

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By Ava Lynch Info icon
Updated December 11, 2024
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Ava Lynch

Insurance Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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  • 7+ years of Experience in the Insurance Industry
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Beth Swanson

SEO Content Strategist

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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  • Licensed Insurance Agent — Property and Casualty
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  1. How much does rideshare insurance cost?
  2. How does rideshare insurance work?
  3. Does Lyft/Uber provide coverage?
  4. Do I need rideshare insurance?
  5. What to do if you have an accident
  6. What does rideshare insurance in my state look like?
  7. FAQs

What is rideshare insurance?

Rideshare insurance is a car insurance endorsement option that bridges the gap between a personal auto insurance and the commercial policy provided by the rideshare company. In short: your rideshare insurance covers you up until accepting a ride request; once you've accepted a ride, coverage from the rideshare company takes over.

Let's explore the ins and outs of rideshare insurance, how much it costs, and what the coverage from rideshare companies like Uber and Lyft look like. 

car insurance policy

How much does rideshare insurance cost?

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.

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.

Average rideshare insurance rates from top companies

Updating data...

Company With Rideshare Endorsement Without Rideshare Coverage
Allstate $217 $214
Farmers $217 $160
GEICO $138 $138
Nationwide $139 $139
Progressive $193 $158
State Farm $172 $146
USAA $131 $121

Source: The Zebra

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Did you know?

Our agents can help you find rideshare insurance with select companies! Give them a call at 1-888-255-4364 to learn more. 

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. For more details on each period, expand the sections below.

Rideshare coverage by stage
Personal auto coverage
Rideshare company coverage
Period 0: Offline
✓
Period 1: Logged in and available
Varies by company
✓
Period 2: En route to pick up passenger
✓
Period 3: Transporting passenger
✓
bullet
Period 0: Offline
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.
 
Insurance coverage: personal policy
bullet
Period 1: Logged in and available
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 need to be covered by both rideshare insurance AND Uber's and Lyft' insurance coverage to be completely protected. Uber and Lyft's insurance is active during this period, but 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 remedy this.
 
Insurance coverage: both personal policy and the rideshare company's insurance.
bullet
Period 2: En route to pick up passenger
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 with rideshare endorsement cease to provide coverage. At this point, all insurance coverage is handled by Lyft or Uber.
 
Insurance coverage: Lyft or Uber's insurance
bullet
Period 3: Transporting passenger
This period begins when you have the app open and are currently driving your customer to their destination. 
 
Insurance coverage: Lyft or Uber's insurance

What kind of coverage does Lyft/Uber provide to their drivers?

Uber and Lyft provide coverage to their drivers, but only in periods 1, 2 and 3, and the coverage amounts vary. 

Uber and Lyft coverage types and limits
Period Coverage type Limit
Period 1 Liability $1 million
Periods 2 & 3 Liability $1 million
Uninsured motorist/underinsured motorist coverage (UM/UIM) $1 million
Contingent collision and comprehensive coverage* $50K per person bodily injury/ $100K per accident bodily injury/ $25K per accident property damage

Uber and Lyft coverage also carries deductibles for periods 2 and 3. Lyft enforces a maximum payout of $50,000 per accident.

  • Uber deductible: $1,000
  • Lyft deductible: $2,500

*Contingent comprehensive and collision coverage is dependent on your personal auto policy also carrying full coverage. The Lyft and Uber insurance limits are designed to meet or exceed state limits. If your state requirements differ, the company will match them, though they will not lower limits beyond their company standard of 50/100/25.

Do I need rideshare insurance? 

Without rideshare insurance of your own, drivers are only covered by Uber or Lyft's insurance when the passenger is in the vehicle. This leaves the time waiting for a ride and traveling to the passenger with coverage gaps. 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. 

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.

question
What's different about rideshare insurance?

Working as a rideshare driver complicates the seemingly straightforward relationship between personal car insurance — the type of policy most drivers carry — and commercial car insurance. Insurance companies had to create entirely new rules and regulations to accommodate companies like Uber and Lyft. 

Futher, delivery driver insurance still slightly differs from traditional rideshare insurance. Do you also drive for UberEats, Doordash, or other delivery service? Check out our page on car insurance for delivery drivers.

Get auto insurance for rideshare drivers today!

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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. Follow your company's protocol based on the period you are in:

  • Period 0 (offline): 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.
  • Period 1 (logged in + available): Uber and Lyft provide liability-only coverage during period 1, so a rideshare policy is critical to prevent coverage gaps — contact both your personal insurance company and the rideshare service if you get in an accident in period 1.
  • Periods 2 and 3 (en route to or transporting passenger): If you are on your way to pick up a fare or are currently carrying a passenger when the accident occurs,  Uber and Lyft's coverage works fully, covering any damages or injuries that you cause up to $1 million; however, the rideshare company's collision and comprehensive coverage only applies if you carry them on your personal policy. 

Agent insight from The Zebra:

If an accident were to occur while waiting for a passenger, your personal auto policy would cover the loss. The comprehensive/collision deductibles you selected for your personal auto policy would apply here. If you get into an acciedent while in transit to pick up a passenger or you already have a passenger in your vehicle, then the commercial policy provided though Lyft or Uber would provide coverage and be subject to deductibles set by the company.

Katy Griffen — Insurance advisor at The Zebra

Uber and Lyft insurance coverage requirements 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 Uber Requirements Lyft Requirements
Alabama
  • 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
  • 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
Arkansas
  • 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
California
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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 - $1,500,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Mississippi
  • 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
  • Period 1: 50/100/25 - 25/50 UIM/UM
  • Period 2 & 3: $1,000,000 combined single auto liability limit - $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
  • Period 1: 50/100/25
  • Period 2 & 3: $1,000,000 combined single auto liability limit - $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
  • Period 1: 50/100/25 - 25/50 UIM/UM
  • Period 2 & 3: $1,000,000 combined single auto liability limit - $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
  • Period 1: 50/100/25
  • Period 2 & 3: $1,000,000 combined single auto liability limit - $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
  • 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 - $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
  • 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
  • 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
  • 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
* Lyft does not provide coverage to drivers in the five bouroughs of New York City
North Carolina
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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.

 

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Frequently asked questions— Rideshare insurance

Adding a rideshare endorsement to your auto insurance policy is typically fairly affordable. According to our data, adding rideshare coverage can cost as little as a few extra dollars a month. This price varies by driver and insurance company, though, so be sure to contact your insurance agent for a direct quote.

Yes. 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.

It depends. Some company's rideshare coverage offerings would apply here, but it also depends on the state in which you drive and the exact coverages and limits provided by each company. Learn more about car insurance for delivery drivers.

If you want a rideshare insurance quote enter your zip code to get started.

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

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