Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 11, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Your private insurance usually doesn’t cover you while you’re driving for a rideshare program
  • Most rideshare companies offer some level of coverage to their drivers depending on what part of the drive you’re in
  • Rideshare insurance bridges the gap between your private insurance and any company insurance to ensure you’re protected
  • Most major insurance companies will offer rideshare insurance as an add-on to your existing policy

Rideshare and delivery companies like Uber and DoorDash usually offer their drivers a certain amount of car insurance. But is it enough?

You use your own car when you work for these kinds of companies. Rideshare insurance, in addition to affordable car insurance, will make sure you’re protected while you’re behind the wheel.

Read on to learn all about rideshare insurance, but first, enter your ZIP code to compare the best car insurance quotes.

What is rideshare insurance?

The Insurance Information Institute reports that most private car insurance policies will not cover accidents that occur while the owner is driving for rideshare companies or other delivery services.

Uber, DoorDash, and other rideshare and delivery services usually offer some level of coverage to their drivers. But this coverage can be thin and only applies during certain parts of the drive.

Rideshare insurance is additional car insurance you can get on top of your personal insurance policy. It makes up the difference between what the company offers you and what you need.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How does rideshare insurance work?

Most insurance providers will offer rideshare insurance as an add-on to your existing plan. You might also see rideshare insurance as part of a hybrid insurance policy.

Your personal coverage will protect you and your vehicle while you do your normal day-to-day driving: to the grocery store, your friend’s house, and so on.

Your rideshare insurance kicks in only when you’re “on the clock” for a rideshare or delivery service.

What coverage does rideshare insurance provide?

Rideshare insurance isn’t a one-size-fits-all type of policy. You have options, just like when you get a personal policy. You can decide how much coverage you need or how much you want to pay for.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Do you need rideshare insurance?

Whether it’s Allstate, State Farm, or Progressive rideshare insurance, the short answer is yes. You absolutely need it.

Most rideshare companies like Uber and Lyft will offer their drivers some level of coverage. But the amount of coverage varies depending on where you are in the drive.

For example, you’ll have better protection when a passenger is in your car than when you’re in between rides – if you have any at all in between rides!

If someone files an auto insurance claim against you, and you were driving for Uber at the time but not driving a passenger, rideshare insurance will make sure you don’t end up responsible for thousands of dollars.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How much is rideshare insurance?

If you have a side hustle with Lyft or GrubHub, you likely aren’t looking to spend that extra cash on insurance costs. But it can definitely save you money in the long run if you’re in an accident.

Check out these estimated monthly rideshare car insurance rates:

CompanyAverage Monthly Rideshare Insurance Rates
AllstateApproximately $20 per year
ErieBetween $9 and $15 per month
MercuryAs low as $27 per month
SafecoPossibly under $10 per month
State FarmApproximately 15-20 percent of the original premium
USAAAs low as $6 per month
Get Your Rates Quote Now

Compare RatesStart Now →

But where are you able to get rideshare car insurance quotes?

Where can you get rideshare insurance?

If you’re ready to buy rideshare car insurance, you have options. Most major insurance companies offer add-on rideshare insurance, so the easiest thing to do is check with your existing provider first.

If your provider does not support rideshare insurance, you can always look into commercial car insurance. Or, it might be time to switch providers. Enter your ZIP code to start comparing affordable rideshare car insurance quotes today.