Rideshare Insurance availiable in every State--List


(Bick Bhangoo) #1

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

Alabama

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.

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).

Arizona

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

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.

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).

Arkansas

Farmers' give you coverage during period 1 (app on, but no passenger).

California

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

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

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.

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).

Colorado

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.

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).

Connecticut

GEICO's policy covers all three periods.

District of Columbia

There are five rideshare insurance service providers in this state; they include Allstate, GEICO, Liberty Mutual, State Farm, and Erie Insurance.

Florida

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

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.

Georgia

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).

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).

Hawaii

This state only offers Allstate insurance.

Idaho

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).

Illinois

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

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

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.

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 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.

Indiana

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).

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).

Iowa

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).

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).

Kansas

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).

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).

Kentucky

There are four rideshare insurance service providers in this state; they include Allstate, USAA, State Farm, or Erie.

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 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.

Louisiana

There are four rideshare insurance service providers in this state; they include Allstate, USAA, State Farm, or Geico.

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).

Maine

There are a few rideshare insurance service providers in this state; they include GEICO and State Farm.

Maryland

There are some rideshare insurance service providers in this state; they include Allstate, Erie, Farmers, GEICO, Liberty Mutual, State Farm, and USAA.

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.

Massachusetts

There are three rideshare insurance service providers in this state; they include Liberty Mutual, MAPFRE, and USAA.

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.

Michigan

There are a few rideshare insurance service providers in this state. Farmer's gives you coverage during period 1 (app on, but no passenger).

Minnesota

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.

Mississippi

There are a few rideshare insurance service providers in this state. They include GEICO, SafeCo, and State Farm.

Missouri

There is a three rideshare insurance service providers in this state. They include American Family, State Farm, and USAA.

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.

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).

Montana

There are a few rideshare insurance service providers in this state. Farmer's gives you coverage during period 1 (app on, but no passenger).

Nebraska

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).

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).

Nevada

There are a few rideshare insurance service providers in this state. Farmer's gives you coverage during period 1 (app on, but no passenger).

New Hampshire

There are two rideshare insurance service providers in this state: USAA and State Farm.

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).

New Jersey

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).

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).

New Mexico

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).

New York

NYC is the only city that requires commercial insurance.

North Carolina

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).

North Dakota

There are three rideshare insurance service providers in this state, including American Family Insurance, State Farm, and USAA.

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).

Ohio

There are a few rideshare insurance service providers in this state. They include Allstate, Erie, American Family Insurance and State Farm, and USAA.

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.

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).

Oklahoma

There are a few rideshare insurance service providers in this state. They include Allstate, Farmers, GEICO, Mercury, State Farm, and USAA.

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).

Oregon

There are a few rideshare insurance service providers in this state. They include American Family Insurance, Farmers, State Farm and USAA.

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.

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).

Pennsylvania

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

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.

Rhode Island

There are two rideshare insurance service providers in this state: Erie and Geico.

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

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.

South Carolina

There are three rideshare insurance service providers in this state: between Allstate, State Farm, and GEICO.

South Dakota

There is only one rideshare insurance service providers in this state, American Family Insurance.

Tennessee

There are some rideshare insurance service providers in this state. They include including Allstate, Erie, Farmers, GEICO, State Farm, and USAA.

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 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

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.

Texas

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

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

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.

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).

Utah

There are some rideshare insurance service providers in this state. They include American Family, State Farm, and Allstate.

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

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.

Virginia

There are some rideshare insurance service providers in this state. They include Allstate, GEICO, State Farm, Liberty Mutual, and Erie insurance.

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.

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

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.

Washington

There are some rideshare insurance service providers in this state. They include Allstate, GEICO, SafeCo, State Farm, USAA, and MetLife.

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.

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.

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).

West Virginia

There is only one rideshare insurance service providers in this state: State Farm.

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.

Wisconsin

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

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

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 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.

Wyoming

There are only two rideshare insurance service providers in this state. They are USAA and State Farm.

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).

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.


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