Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 11, 2021

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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.

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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.

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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.

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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:

American Family vs. Farmers Average Monthly Rates by Age

AgeAmerican Family Average Monthly PremiumFarmers Average Monthly Premium
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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.