Best Auto Insurance Companies for Uber and Lyft Drivers
Last Updated on January 25, 2026
Getting the right auto insurance is critical for Uber and Lyft drivers. Standard personal auto insurance won’t fully protect you while ridesharing—and relying only on Uber or Lyft’s protection may leave costly gaps. Below, we break down the best insurance options for rideshare drivers and explain why specialized coverage is essential.
Today, we’re highlighting the top auto insurance companies offering rideshare-friendly coverage in the United States.
Key Takeaways
- Personal auto insurance does not cover you while driving for Uber or Lyft.
- Uber and Lyft provide limited commercial coverage that varies by driving phase, leaving major gaps.
- Rideshare endorsements or hybrid policies from insurers fill those gaps and fully protect you.
- The most rideshare-friendly insurers include USAA, GEICO, Progressive, Allstate, Farmers, and State Farm.
Do You Need Special Insurance When Driving for Uber and Lyft?
Yes. Personal auto insurance covers normal everyday driving—but it does not cover you while driving for Uber or Lyft. When you drive commercially, you need additional protection to avoid major liability risks.
Uber and Lyft do provide basic commercial insurance, but only during certain phases of your trip. Their coverage does not fully protect you, your car, or your passengers at all times.
Rideshare insurers break coverage into four phases:
Offline: App closed. Only your personal auto insurance applies.
Available: App is open and you’re waiting for a ride request. Uber/Lyft provide limited liability coverage ($50,000 per person/$100,000 per accident bodily injury; $25,000 property damage). Your personal policy usually will not cover you here.
En Route: You’ve accepted a ride and are driving to pick up the passenger. Uber & Lyft increase coverage to:
- $1 million liability
- $1 million uninsured/underinsured motorist
- Collision/comprehensive (with high deductibles)
On Trip: Passenger is in the vehicle. The same $1 million coverages apply.
Uber and Lyft do provide protection, but there are significant gaps—especially during the “available” period. Deductibles are also very high ($1,000–$2,500), meaning many minor incidents come out of your pocket.
Most Car Insurance Companies Offer Special Rideshare Insurance
The good news: most major insurers now offer rideshare endorsements or hybrid policies specifically designed for Uber and Lyft drivers. These policies fill the gaps between personal auto insurance and the coverage provided by rideshare companies.
Three Types of Rideshare Insurance
1. Additional Protection (Gap Coverage): Provides extra protection during the “available” period when Uber/Lyft offer limited coverage.
2. Personal Coverage Extension: Extends your personal policy so it remains active even while you’re waiting for or accepting rides.
3. Hybrid Rideshare Policy: A single policy that replaces your personal auto insurance and fully covers you both on and off the clock.
Below are the best insurance companies for Uber and Lyft drivers.
Best Car Insurance Companies for Uber and Lyft Drivers
Rideshare insurance isn’t one-size-fits-all. Some companies sell a simple gap endorsement (mainly for the “app on, waiting” period), others extend your personal policy into rideshare driving, and a few steer drivers toward commercial or specialty solutions. Use the table below to compare options, then confirm availability and “app periods” covered for your ZIP code.
| Insurance Company | How Rideshare Coverage Usually Works | Typical Cost Impact | Best For | Availability Notes |
|---|---|---|---|---|
| USAA | Gap-style endorsement that helps fill the “waiting for a request” gap. | Varies by state and driver profile. | Eligible military families who want simple gap protection. | Eligibility required; not offered in every state. |
| Progressive | Add-on rideshare endorsement to your personal policy; may also offer commercial options if needed. | Varies; commonly priced as an add-on. | Drivers who want a straightforward endorsement and scalable options. | Offered in many states; coverage details vary by state. |
| American Family | Rideshare endorsement that typically addresses the “app on, available” gap. | Varies by state and policy form. | Drivers in American Family markets who want a simple endorsement. | Not available in every state; confirm with an agent. |
| State Farm | Rideshare driver coverage that generally extends your personal limits/deductibles into key app periods. | Varies; often priced as a percentage add-on. | Existing customers who want personal-policy continuity while driving. | Generally available in most states; state rules may apply. |
| Allstate | “Ride for Hire” endorsement designed to help fill coverage gaps while working. | Varies by state, rating factors, and purchase channel. | Drivers who want a major-carrier endorsement and agent support. | Not available in every state; confirm locally. |
| Farmers | Rideshare endorsement that extends a personal policy for rideshare use (scope varies by state). | Varies; typically an endorsement add-on. | Drivers who prefer working through an agent with customization options. | Available in select states; confirm before switching. |
| Erie Insurance | Business-use/rideshare solution through an agent; designed to address multiple rideshare phases where offered. | Varies based on underwriting and state rules. | Drivers in ERIE’s footprint who want a strong agent-guided policy. | Limited to states where ERIE writes auto insurance. |
| GEICO | Approach can be market-specific; some drivers may need a commercial-style policy instead of a personal endorsement. | Varies widely by market and vehicle use. | Current customers exploring options—only if rideshare use is approved in writing. | Confirm availability and covered app periods for your ZIP code. |
| Liberty Mutual | Often appears as a platform insurer in certain markets (vs. a direct-to-driver endorsement). | Not typically priced as a personal-policy add-on. | Drivers who want to understand who backs the app’s commercial policy locally. | Market and platform dependent; varies by state/territory. |
| Nationwide | Rideshare solutions have historically been market- and product-specific (sometimes via partners). | Varies; may be structured differently than standard endorsements. | Drivers looking for flexible options—if offered where they drive. | Availability varies; confirm details in writing for your ZIP code. |
What To Confirm Before You Pick a Rideshare Insurer
- Which “app periods” are covered: app on/waiting, en route to pick up, and passenger in car.
- Physical damage rules: whether your comp/collision and deductible carry over while working.
- Delivery vs. passengers: whether Uber Eats/DoorDash-style delivery is treated differently than rideshare.
- Documentation: ask for the endorsement name and get confirmation in writing (email or policy docs).
Quick tip: Don’t rely on a phone quote—ask for a declarations page or endorsement wording showing rideshare use is covered for the app periods you drive.
FAQs
Final Word: Best Insurance Options for Uber and Lyft Drivers
Uber and Lyft provide some insurance protection, but it isn’t enough for most drivers. The biggest gap occurs during the “available” period—when you’re online and waiting for requests. This is exactly when rideshare insurance endorsements step in to protect you.
The top rideshare-friendly insurers include USAA, Progressive, GEICO, Allstate, Farmers, and State Farm. If you’re driving for a rideshare company, contact your insurer to ask if rideshare coverage is offered in your state and how much it costs.
