We've made a bunch of updates to our rideshare insurance page over the past few months, so if you're looking for rideshare insurance, you can now easily learn about the options in your state. There are still a few states that don't have rideshare insurance option
The main reasons for getting Rideshare Insurance
Rideshare drivers are at constant risk during their work hours; this is due to the nature of the rideshare business. Drivers are in their cars for many hours, whether parked or driving between rides and during rides, the fact that they are in their cars is already a risk. Add to this the basic coverage they get from Uber, and you will find that Uber rideshare drivers are not fully covered. Another issue is that normal insurance will not cover rideshare driving and that to become a licensed Uber driver you need to produce an insurance card with your name registered on the card.
Rideshare insurance explained
Rideshare friendly insurance (or just rideshare insurance) is an insurance policy that covers drivers working for rideshare companies such as Uber, Lyft, and Sidecar. The insurance policy is different, it takes into account the professional status of the driver during work hours, just like a taxi drivers insurance policy.
To understand how rideshare insurance works with Uber is to understand how Uber manages its miles, Uber has three periods, and these are defined as:
- Period 1: When the car is parked or being driven, empty and waiting for a call. (Is not covered by Uber)
- Period 2: From the moment the driver received a call until the car reaches the pickup point. (Is not covered by Uber)
- Period 3: Begins the moment the passenger enters the car until the passenger departs the car. (Is covered by Uber but with a $1,000 deductible and a $1 million liability and collision clause)
Rideshare friendly coverage
Since the Uber coverage is limited and with certain constraints, rideshare coverage will cover the driver for all periods and include a deductible waiver. The coverage for collision and liability is dependant on the driver's insurance budget.
Standard insurance policies
If a driver takes out a standard insurance policy, he is not covered in any instance of ride-sharing. This means that if the driver is involved in an accident or collision, he is not covered and must take the brunt of all damages and financial upon himself.
The Uber insurance features
The user's insurance policy doesn't cover periods 1 and 2; we already mentioned this a few times. So if you don't get coverage, remember that if anything happens during periods one and two, you will have to pay for all the repairs and maintenance fees. You will also cover the difference between the Uber coverage of $25,000 for property and $50,000 for personal as well as $100,000 for injuries and the excess that would be decided by the insurance companies or in court.
Rideshare Friendly Features
Three rideshare friendly policies are available, and they are:
- Periods 1 and two clauses
- Rideshare tailor-made policies
- Commercial insurance coverage
Period 1 coverage
These policies are basically standard insurance coverage with additional clauses that cover periods 1 and 2 and rename themselves Rideshare friendly. Many companies are offering these additional clauses as well as extended offering period three coverage. We provide a list of these at the end of the article.
Rideshare tailor-made policies
Some drivers do not want a standard policy and go-to a personal agent or broker that will create a special rideshare policy suitable for their particular needs and expectations.
Commercial-type coverage
Some commercial rideshare policies are available. These commercial insurance packages are provided by Geico, Erie, and Progressive. The usefulness of a commercial package is that they make a perfect addition to the Uber coverage giving the driver double coverage will ensure they drive relaxed and sleep well at night.
State Requirements for Period 1
Certain states make period one coverage mandatory, so drivers will need to find some insurance coverage to add to Uber’s basic policy.
The State List
We provide a list of the best (in our opinion) of rideshare friendly insurance companies per state; some insurance companies appear in more than one state.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin
There are four rideshare insurance service providers in this state; they are GEICO, USAA, State Farm, and Farmers. Farmers' give you coverage during period 1 (app on, but no passenger). GEICO's policy covers all three periods.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are six rideshare insurance service providers in this state; they are Allstate, GEICO, USAA, State Farm, Mercury, American Family Insurance, and Farmers. Farmers' give you coverage during period 1 (app on, but no passenger). GEICO's policy covers all three periods.
Allstate's coverage provides for your personal insurance during period 1. It also fills the gap that arises when your personal auto policy liability coverage limits are more than those provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects against Uber and Lyft's high deductibles.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
Farmers' give you coverage during period 1 (app on, but no passenger).
There are many rideshare insurance service providers in this state; they include USAA, State Farm, Mercury, MetLife, Allstate, and Metromile. Farmers' give you coverage during period 1 (app on, but no passenger). GEICO's policy covers all three periods.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
Mercury provides full coverage during period 1
Allstate's coverage provides for your personal insurance during period 1. It also fills the gap that arises when your personal auto policy liability coverage limits are more than those provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects against Uber and Lyft's high deductibles.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are many rideshare insurance service providers in this state; they include Allstate, American Family, Farmers, MetLife, SafeCo, State Farm, and USAA. Farmers' give you coverage during period 1 (app on, but no passenger). GEICO's policy covers all three periods.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
GEICO's policy covers all three periods.
There are five rideshare insurance service providers in this state; they include Allstate, GEICO, Liberty Mutual, State Farm, and Erie Insurance.
There are five rideshare insurance service providers in this state; they include Prime Insurance, Foremost a subsidiary of Farmers, State Farm, and Geico. Foremost gives you coverage during period 1 (app on, but no passenger).
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
There are many rideshare insurance service providers in this state; they include Allstate, American Family, Farmers, GEICO, Mercury, State Farm, USAA, and Ethio-American. Farmers give you coverage during period 1 (app on, but no passenger).
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
This state only offers Allstate insurance.
There are three rideshare insurance service providers in this state; they include American Family, State Farm, and Farmers. Farmer's gives you coverage during period 1 (app on, but no passenger).
There are many rideshare insurance service providers in this state; they include Farmers, Erie, Travelers, GEICO, USAA, Allstate, SafeCo, Mercury, MetLife, State Farm and Metromile. Farmers give you coverage during period 1 (app on, but no passenger).
Allstate's coverage provides for your personal insurance during period 1. It also fills the gap that arises when your personal auto policy liability coverage limits are more than those provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects against Uber and Lyft's high deductibles.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
There are a few rideshare insurance service providers in this state; they include Allstate, American Family Insurance, Farmers, GEICO, SafeCo, State Farm, and USAA. Farmer's gives you coverage during period 1 (app on, but no passenger).
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are four rideshare insurance service providers in this state; they include Farmers, American Family Insurance, State Farm, and USAA. Farmer's gives you coverage during period 1 (app on, but no passenger).
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are five rideshare insurance service providers in this state; they include Farmers, American Family, GEICO, State Farm, and USAA. Farmer's gives you coverage during period 1 (app on, but no passenger).
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are four rideshare insurance service providers in this state; they include Allstate, USAA, State Farm, or Erie.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
There are four rideshare insurance service providers in this state; they include Allstate, USAA, State Farm, or Geico.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are a few rideshare insurance service providers in this state; they include GEICO and State Farm.
There are some rideshare insurance service providers in this state; they include Allstate, Erie, Farmers, GEICO, Liberty Mutual, State Farm, and USAA.
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
There are three rideshare insurance service providers in this state; they include Liberty Mutual, MAPFRE, and USAA.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
Liberty Mutual will not cancel your policy if you are driving a rideshare company and they do not charge per mile.
There are a few rideshare insurance service providers in this state. Farmer's gives you coverage during period 1 (app on, but no passenger).
There are a few rideshare insurance service providers in this state; they include Allstate, Farmers, GEICO, and State Farm. Farmer's gives you coverage during period 1 (app on, but no passenger).
SafeCo is a subsidiary of Liberty Mutual, and it has a policy that covers you during period 1 only.
There are a few rideshare insurance service providers in this state. They include GEICO, SafeCo, and State Farm.
There is a three rideshare insurance service providers in this state. They include American Family, State Farm, and USAA.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are a few rideshare insurance service providers in this state. Farmer's gives you coverage during period 1 (app on, but no passenger).
There are a many rideshare insurance service providers in this state. And they include Farmers, GEICO, American Family Insurance, State Farm, and USAA. Farmer's gives you coverage during period 1 (app on, but no passenger).
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are a few rideshare insurance service providers in this state. Farmer's gives you coverage during period 1 (app on, but no passenger).
There are two rideshare insurance service providers in this state: USAA and State Farm.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are three rideshare insurance service providers in this state. They include Farmers, State Farm, and USAA. Farmer's gives you coverage during period 1 (app on, but no passenger).
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are some rideshare insurance service providers in this state, including Farmers, GEICO, and State Farm. Farmer's gives you coverage during period 1 (app on, but no passenger).
NYC is the only city that requires commercial insurance.
There are some rideshare insurance service providers in this state, including Farmers, Liberty Mutual, and NCUberInsurance.com. Farmer's gives you coverage during period 1 (app on, but no passenger).
There are three rideshare insurance service providers in this state, including American Family Insurance, State Farm, and USAA.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are a few rideshare insurance service providers in this state. They include Allstate, Erie, American Family Insurance and State Farm, and USAA.
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are a few rideshare insurance service providers in this state. They include Allstate, Farmers, GEICO, Mercury, State Farm, and USAA.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are a few rideshare insurance service providers in this state. They include American Family Insurance, Farmers, State Farm and USAA.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are some rideshare insurance service providers in this state. They include including Erie, GEICO, State Farm, and Liberty Mutual.
Erie Insurance
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
There are two rideshare insurance service providers in this state: Erie and Geico.
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
There are three rideshare insurance service providers in this state: between Allstate, State Farm, and GEICO.
There is only one rideshare insurance service providers in this state, American Family Insurance.
There are some rideshare insurance service providers in this state. They include including Allstate, Erie, Farmers, GEICO, State Farm, and USAA.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
There are many rideshare insurance service providers in this state. They include including Allstate, Farmers, Mercury, State Farm, GEICO, Liberty Mutual, USAA, MetLife, and Progressive. Farmer's gives you coverage during period 1 (app on, but no passenger).
Allstate's coverage provides for your personal insurance during period 1. It also fills the gap that arises when your personal auto policy liability coverage limits are more than those provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects against Uber and Lyft's high deductibles.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There are some rideshare insurance service providers in this state. They include American Family, State Farm, and Allstate.
Allstate's coverage provides for your personal insurance during period 1. It also fills the gap that arises when your personal auto policy liability coverage limits are more than those provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects against Uber and Lyft's high deductibles.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
There are some rideshare insurance service providers in this state. They include Allstate, GEICO, State Farm, Liberty Mutual, and Erie insurance.
Allstate's coverage provides for your personal insurance during period 1. It also fills the gap that arises when your personal auto policy liability coverage limits are more than those provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects against Uber and Lyft's high deductibles.
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
There are some rideshare insurance service providers in this state. They include Allstate, GEICO, SafeCo, State Farm, USAA, and MetLife.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
Allstate's coverage provides for your personal insurance during period 1. It also fills the gap that arises when your personal auto policy liability coverage limits are more than those provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects against Uber and Lyft's high deductibles.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
There is only one rideshare insurance service providers in this state: State Farm.
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
There are many rideshare insurance service providers in this state. They include Allstate, American Family, Erie, Farmers, GEICO, and State Farm. Farmer's gives you coverage during period 1 (app on, but no passenger).
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.
Allstate's coverage provides for your personal insurance during period 1. It also fills the gap that arises when your personal auto policy liability coverage limits are more than those provided by Uber and Lyft during period 1, 2 and 3. The coverage also protects against Uber and Lyft's high deductibles.
Erie covers periods 1,2 and 3. The personal auto policy options keep premiums reasonable and retain the multi-policy discounts if home or other cars are included.
There are only two rideshare insurance service providers in this state. They are USAA and State Farm.
This well-known financial services company exclusively serves the military community and their families. One division offers auto insurance policies. USAA now provides rideshare policies that cover Period 1 (app on, but no passenger).
State Farm's policy is more extensive than since they extend their coverage limits, including personal deductible, medical and towing during period 1, 2 and 3.