Best Rideshare Auto Insurance in 2024 (Find the Top 10 Providers Here)
State Farm, Allstate, and Geico have the best rideshare auto insurance. State Farm and Geico cover all phases of ridesharing, and Allstate allows drivers to customize coverage and when it applies. Geico has cheap rideshare auto insurance rates at $125/mo. Compare quotes here to find affordable rideshare insurance.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Mar 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
On This Page
Company Facts
Avg. Monthly Rate for Rideshare
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Rideshare
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate for Rideshare
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm is the best rideshare auto insurance company because it extends personal coverage to all phases.
State Farm, Allstate, and Geico are the top rideshare insurance companies for their wide availability, customizable coverage, and low rates. Allstate rideshare policy add-ons are the cheapest, costing $20 annually.
Our Top 10 Company Picks: Best Rideshare Auto Insurance
Company Rank Rideshare Availability Coverage Phases Best For Jump to Pros/Cons
#1 40+ states All Complete Coverage State Farm
#2 40+ states Phase 1 Only Customized Policies Allstate
#3 40+ states All Low Deductibles Geico
#4 30+ states Phase 1 Only Roadside Assistance Progressive
#5 20+ states Phase 1 Only Military Members USAA
#6 30+ states Phase 1 Only Insurance Discounts Farmers
#7 19 states Phase 1 Only Customer Service American Family
#8 9 states Phase 1 Only Low Rates Mercury
#9 7 states All Uber Drivers Liberty Mutual
#10 4 states Phase 1 Only NY and NJ Drivers NJM Insurance
Be aware that liability insurance doesn’t apply during the second and third phases — your rideshare company should cover that. The perk here is State Farm still provides comprehensive, collision, and more from your personal policy to fill in any gaps.
It’s also important to compare auto insurance rates by state. Enter your ZIP code above to find the cheapest rideshare insurance for you.
- State Farm, Allstate, and Geico offer rideshare insurance in most states
- NJM Insurance has the best ridesharing insurance in New York and New Jersey
- Progressive rideshare insurance is the best for roadside assistance
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – State Farm: Top Pick Overall
Pros:
- Wide availability: Rideshare coverage in 43 states
- High claims satisfaction: Ranks top five in annual J.D. Power survey. See the reviews and rankings in our full State Farm Auto Insurance Review.
- Extends personal coverage: Rideshare endorsement includes all personal coverage
- Insurance at all stages: Covers all phases of rideshare pickup and delivery
- Supplemental insurance: Combine State Farm coverage with rideshare company insurance for Phases 2 and 3
Cons:
- No liability coverage: Liability insurance does not apply during Phases 2 and 3
- More expensive: Rideshare endorsement raises personal premiums by 20%
#2 – Allstate: Best for Customized Rideshare Insurance
Pros:
- Wide availability: Rideshare coverage in 42 states
- Cheapest rates: Add rideshare endorsement for $15-$20/year
- Deductible gap coverage: Up to $2,500 to cover deductible during Phases 2 and 3
- Hybrid policy: Customize which coverages apply during Phases 2 and 3
- Claim satisfaction guarantee: Ranks among top ten in annual J.D. Power survey. Read more about this provider in our Allstate auto insurance review.
Cons:
- Phase 1 coverage only: Chosen coverages apply for entire trip for additional fee
- Expensive for young drivers: Drivers under 25 pay higher rates than with other companies
#3 – Geico: Lowest Rideshare Insurance Deductibles
Pros:
- Wide availability: Rideshare coverage in 40 states
- Hybrid policy: Combines rideshare insurance with personal coverage
- Low deductibles: $250 rideshare deductibles
- Insurance at all stages: Coverage for all phases of rideshare pickup and delivery
Cons:
- Call for information: No online resources for Geico rideshare insurance
- Poor claims satisfaction: Below-average for claim response and repair times. Learn more in our Geico review.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – Progressive: Best for Roadside Assistance
Pros:
- Wide availability: Rideshare coverage in 34 states
- Deductible gap coverage: Helps cover deductibles during Phases 2 and 3
- Roadside assistance and rental reimbursement: These coverages apply at all rideshare phases
Cons:
- Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
- Poor claims satisfaction: Below-average for claim response and repair times. Our complete Progressive insurance review goes over this in more detail.
#5 – USAA: Best for Rideshare Drivers in the Military
Pros:
- Wide availability: Rideshare coverage in 23 states
- High customer satisfaction: Fewer complaints and better claims response times than its competitors
- Affordable rates: Rideshare endorsement adds $6-$8 to monthly premiums
Cons:
- Exclusive: Auto insurance only available to military members. Check out insurance savings for military members and their families in our complete USAA auto insurance review.
- Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
#6 – Farmers: Best for Rideshare Insurance Discounts
Pros:
- Wide availability: Rideshare coverage in 36 states
- Better discounts: Offers more auto insurance discounts than any other provider
- Affordable rates: Rideshare endorsement raises personal premiums less than 10%
Cons:
- Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
- Poor customer satisfaction: Below-average reviews for customer service and claims handling. Take a look at our Farmers insurance company review to learn more.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – American Family: Best for Customer Service
Pros:
- Few complaints: Half the number of customer complaints than its competitors (Discover More: AmFam Insurance Review)
- High claims satisfaction: Ranks among top ten in annual J.D. Power survey
- Affordable rates: Add rideshare coverage for less than $10/mo
Cons:
- Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
- Not in every state: Rideshare insurance in only 19 states
#8 – Mercury: Best for Low Rates
Pros:
- Affordable rates: Add rideshare endorsement for less than $1/day
- Few customer complaints: Customers prefer working with Mercury than other companies
- Competitive discounts: Drivers get lower rates with bundling and safe driving discounts. Explore Mercury’s discount options in our Mercury auto insurance review.
Cons:
- Not in every state: Rideshare coverage in nine states
- Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
#9 – Liberty Mutual: Best for Uber Drivers
Pros:
- International coverage: Provides rideshare insurance in Puerto Rico
- Insurance at all stages: Coverage for all phases of rideshare pickup and delivery
- Lifetime repair guarantee: Guaranteed repairs when using an approved shop (Learn More: Liberty Mutual Auto Insurance Review)
Cons:
- Not in every state: Rideshare coverage in seven states for Uber drivers
- No rideshare endorsements: Cannot be added to an existing policy, and you must have an Uber driver account to buy
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#10 – NJM Insurance: Best for New York and New Jersey Drivers
Pros:
- TNC requirements: Insurance designed to meet unique NY and NJ rideshare requirements (Read More: NJM Car Insurance Review)
- Deductible coverage: Helps cover deductibles during Phases 2 and 3
- Few complaints: Significantly fewer customer complaints than other insurers
- High claims satisfaction: Ranks top three in annual J.D. Power survey
Cons:
- Not in every state: Rideshare coverage only in four states
- Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
How Rideshare Auto Insurance Works
There are four phases during your work hours as a rideshare driver, and understanding these is crucial to getting the right insurance:
- Phase 0: Off duty — App is off, and your personal policy covers you.
- Phase 1: Available — App is on, but you’re waiting for a customer. Your personal policy will not cover you. Some rideshare companies may provide coverage.
- Phase 2: En route — You’ve accepted a customer and are on your way. Your rideshare company covers you. Your personal rideshare insurance may provide some coverage.
- Phase 3: On Trip — The customer is in your car. The rideshare company insurance is in full effect, and your rideshare insurance may provide coverage.
As you can see, there is a gap in phase 1 when you’re waiting for your next customer. This crucial gap is protected through rideshare car insurance.
Use this State Farm rideshare insurance example from the website to see how rideshare coverage works in real-time. State Farm breaks down the phases and how coverage works when filing a claim.
If you’re a rideshare driver in New York or New Jersey, your insurance coverage may look different. State laws impose different requirements on Transportation Network Companies (TNC) operating in the state, and you may have more coverage during each phase. Read our NJM auto insurance review to learn how to get the right rideshare insurance.
Read More:
What Rideshare Auto Insurance Covers
Although every company is different, rideshare insurance typically extends a driver’s personal policy to their working hours. So if you have collision and comprehensive auto insurance on your policy, it extends into Phase 1 and sometimes Phases 2 and 3 depending on your provider.
When driving for companies like Lyft or Uber, you’ll get a bit of insurance for free. It only applies when you have a passenger and might not cover your car at all.Ty Stewart Licensed Insurance Agent
The insurance is little more than liability auto insurance, which pays for property damage or injuries you cause in a collision while working. However, when you combine this coverage with your personal rideshare auto insurance, your car will have much better protection.
State Farm and Geico top our list for covering Phases 1-3 while Allstate lets drivers pick and choose which coverage applies when ridesharing.
Read More:
- State Farm Auto Insurance Review
- Geico Auto Insurance Review
- Allstate Auto Insurance Review
- American Family Auto Insurance Review
- Progressive Auto Insurance Review
- Farmers Auto Insurance Review
- Mercury Auto Insurance Review
- Liberty Mutual Auto Insurance Review
- USAA Auto Insurance Review
- NJM Auto Insurance Review
The Difference Between Rideshare Insurance vs. Personal Coverage
When you buy insurance for your car, it’s considered a personal policy. The company only agrees to cover you when you use your vehicle for personal reasons.
Personal coverage doesn’t apply when you use your car for business purposes. If you try to file a claim for damages that happened while you were working, your claim will likely get denied, and you might also be dropped as a customer.
Rideshare auto insurance isn’t usually a separate, standalone policy. Instead, it’s either an add-on or an endorsement for your personal policy.Justin Wright Licensed Insurance Agent
Insurance companies require additional rideshare auto insurance coverage because of the increased risk. Professional driving is one of the most dangerous jobs in America because of the amount of time you spend on the road, so your personal policy won’t cover your work hours.
The Difference Between Rideshare vs. Commercial Auto Insurance
Unfortunately, rideshare insurance isn’t available in every state. A commercial auto insurance policy is the next best thing if you can’t buy rideshare coverage.
Commercial auto insurance is a separate policy that usually covers vehicles exclusively used for business purposes. Since most rideshare drivers use their personal vehicle when working, you’d need to buy two policies if you’re interested in commercial auto.
Commercial auto insurance offers valuable protection for working vehicles, but it’s more expensive than a simple rideshare add-on. If you have a choice, choosing specialized insurance for rideshare vehicles is your best bet.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
How Much Rideshare Auto Insurance Costs
How much does rideshare insurance cost? There is much variation in how companies offer coverage for rideshare drivers. Some offer a tidy bundle for a set amount, which can easily be added to a policy. Other providers create hybrid policies that include everything you need to drive, but how much coverage you carry in your personal policy impacts the price.
Due to this difference, comparing rideshare insurance costs is difficult. For example, buying a hybrid policy will likely cost between 15% and 20% more than what you would pay for a standard plan. To get an idea of what you might pay for rideshare insurance, check below:
Best Rideshare Auto Insurance Monthly Rates by Provider
Rank Company Average Rates Phase 1 2 & 3 Coverage
1 State Farm $135 Yes
2 Allstate $145 Phase 1 Only
3 Geico $125 Yes
4 Progressive $155 Phase 1 Only
5 USAA $115 Phase 1 Only
6 Farmers $140 Phase 1 Only
7 American Family $150 Phase 1 Only
8 Mercury $130 Phase 1 Only
9 Liberty Mutual $160 Yes
10 NJM Insurance $120 Phase 1 Only
NJM and USAA rideshare insurance have the cheapest monthly rates, but coverage isn’t available to all drivers. Geico is the cheapest rideshare insurance company in more states with the lowest deductibles.
If you’re wondering how to get an Uber driver auto insurance discount, ask your provider about its list of auto insurance discounts and consider shopping with companies that cater to rideshare drivers.
How to Get the Best Rideshare Auto Insurance Coverage
If you want to buy rideshare insurance, you’ll need to do it with your current company. If rideshare car insurance isn’t available, you’ll know it’s time to find new insurance.
Looking at multiple companies is the best way to find affordable coverage, so evaluate auto insurance quotes to see which provider offers you the best rideshare insurance.
Is auto insurance eating up precious dollars in your budget?💰At https://t.co/27f1xf131D, we've got a full list of discounts available, so you can stop overpaying and start saving!🙌Find out what discounts you qualify for here👉: https://t.co/JEnTbtVlQv pic.twitter.com/XHkZyAdqwO
— AutoInsurance.org (@AutoInsurance) April 28, 2023
State Farm, Allstate, and Geico are available in most states, but NJM Insurance is your best bet if you’re driving in New York or New Jersey. Enter your ZIP code into our comparison tool below to get free rideshare insurance quotes by state to ensure you have the car insurance you need to start ridesharing.
Frequently Asked Questions
What is rideshare insurance?
Rideshare insurance is a specialty add-on or hybrid policy that allows rideshare drivers to work without missing coverage. Compared to other add-ons, rideshare insurance can be difficult to find since availability is limited. However, coverage is generally cheap.
Do you need rideshare auto insurance?
Technically speaking, you probably don’t need rideshare insurance if you drive for a company that provides free coverage. However, rideshare insurance offers valuable protection during your working hours. Most companies that have rideshare insurance offer it at an affordable rate, so it’s usually worth buying.
How much is rideshare insurance?
The price of rideshare insurance varies by company. For example, State Farm says rates will increase by about 15%, while Allstate offers a flat rate of about $20 a year. The price you pay for rideshare insurance also depends on how much coverage you have in your personal policy.
What is the best car insurance for Uber?
State Farm is our top pick for best rideshare auto insurance, but Liberty Mutual offers policies exclusively to Uber drivers.
Does Liberty Mutual offer rideshare insurance?
Yes, but only through Uber and Lyft respectively. Existing and new Liberty Mutual customers cannot add rideshare to their personal policies, you must purchase coverage through Uber.
How much is Progressive rideshare insurance?
Progressive rideshare auto insurance costs around $8 to $15 monthly. However, you should compare rideshare insurance quotes from the top companies to find your best deal.
Does your personal insurance cover rideshare jobs?
Unfortunately, your personal policy does not cover rideshare jobs. Insurance companies know that the more time you spend on the road, the more likely you’ll get into an accident. Due to this increased risk, insurance companies do not allow you to use your personal insurance to make a claim.
Will driving for rideshare companies affect your insurance rates?
They’re all different, but you might see a slight increase once your insurance company knows you’re driving for a rideshare company. Your rates might increase simply because you’re spending too much time on the road.
Is rideshare auto insurance required?
Since rideshare companies usually provide liability and occasionally uninsured motorist coverage to their drivers, you won’t legally be required to buy additional coverage. However, you’ll still need to meet your local insurance laws for your personal policy, even if you don’t buy rideshare coverage.
Is rideshare auto insurance more expensive than standard insurance?
Rideshare auto insurance is more expensive than standard insurance, but not by much. You’ll usually only pay up to $20 more per month.
Can I add rideshare auto insurance to my existing policy?
Yes, to buy rideshare auto insurance, you must have an existing auto insurance policy.
What are the pros of rideshare auto insurance?
Rideshare insurance covers you during the phases of your job that aren’t covered by the rideshare company, usually when you’re waiting for a rider. The best rideshare insurance companies will provide additional liability coverage to supplement the limited coverage offered by rideshare companies.
Are there any cons to consider when getting rideshare auto insurance?
Rideshare auto insurance may come at an additional cost compared to personal auto insurance policies, and the availability of rideshare auto insurance can vary by state and company. It’s important to carefully review the terms and conditions to ensure you have the coverage you need.
Can I write off car insurance as an Uber driver?
Yes, if you use your vehicle for work, the cost of your insurance, gasoline, oil, and vehicle maintenance are all tax deductible.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.