Best Auto Insurance Companies for Uber and Lyft Drivers

Last Updated on October 7, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 4, 2026 How we fact-check

Getting the right auto insurance is critical for Uber and Lyft drivers. Personal auto policies commonly exclude driving for money, and Uber’s and Lyft’s own coverage only applies during certain phases of a trip. 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.

Personal auto policies commonly exclude driving for compensation. The NAIC says it “is not uncommon” for them to do so, which is why you need to read your own policy rather than assume.
Uber and Lyft both publish the same shape of coverage: at least $50,000/$100,000/$25,000 of liability while you wait for a request, and at least $1,000,000 once you accept one.
A rideshare endorsement narrows the gap. Most of them cover the waiting period and the $2,500 deductible, not every phase, so check which periods yours covers.
Progressive, State Farm, Allstate and American Family publish the terms of their rideshare coverage. GEICO and Farmers offer something in some states but publish very little about it.

Table Of Contents

Do You Need Special Insurance When Driving for Uber and Lyft?
Most Car Insurance Companies Offer Special Rideshare Insurance
Best Car Insurance Companies for Uber and Lyft Drivers
FAQs
Final Word: Best Insurance Options for Uber and Lyft Drivers
Sources

Do You Need Special Insurance When Driving for Uber and Lyft?

Almost certainly. Personal auto insurance is written for everyday driving, and most policies carry a livery or for-hire exclusion. The NAIC puts it this way: it “is not uncommon for personal auto policies to exclude coverage for livery or receiving compensation for driving.” Pull up your own policy wording before you assume you’re covered.

Uber and Lyft do carry commercial insurance, but only during certain phases of a trip, and the limits vary by state. Uber says plainly that its “insurance coverages and limits maintained by Uber vary by state and have changed over time,” and you can see the certificate for your own state in the Driver app under Account, then Insurance.

Uber and Lyft both 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. Both platforms carry third-party liability of at least $50,000 per person and $100,000 per accident for bodily injury, plus $25,000 per accident for property damage. There is no coverage for damage to your own car in this phase, and your personal policy usually will not step in either. This is the gap a rideshare endorsement is built for.

En Route: You’ve accepted a ride and are driving to pick up the passenger. Uber and Lyft both raise coverage to:

At least $1,000,000 of third-party liability. Uber’s wording is “at least $1,000,000 for property damage and injuries to riders and third parties”; Lyft’s is “at least $1,000,000 for third-party auto liability coverage.”
Uninsured and underinsured motorist coverage. Neither platform publishes a national limit for it, and the amount depends on your state.
Contingent comprehensive and collision, up to your car’s actual cash value, with a $2,500 deductible. On Uber it applies only if you carry comprehensive and collision on your own policy, and the deductible drops to $1,000 on a car bought through Uber’s own Vehicle Marketplace.

On Trip: Passenger is in the vehicle. The same three coverages apply.

So there is real protection here, but the gaps matter, and the biggest one is the “available” period. The $2,500 deductible is the other one: on a dented bumper you are paying the whole repair yourself. Lyft also names exceptions. Its coverage is reduced or absent in Arizona, Nebraska and Maryland, and for TLC, livery and TCP drivers.

Delivery is a separate product with separate numbers. On the delivery side Uber carries liability “up to $500,000 (or more, where required)” rather than $1,000,000, and it says its coverage “does not pay for repairs to your car at any period of a delivery.” If you run passengers and food on the same car, ask about both.

Most Car Insurance Companies Offer Special Rideshare Insurance

Most major insurers now sell a rideshare endorsement for Uber and Lyft drivers. These add-ons narrow the gap between your personal policy and the platform’s coverage. How much of the gap they close varies a lot by company, so the name of the product matters less than which app periods it covers.

Three Types of Rideshare Insurance

1. Additional Protection (Gap Coverage): Covers the “available” period, when Uber and Lyft carry liability only. Allstate’s Ride for Hire also covers the deductible gap, and it works the example out: if your own deductible is $500 and the platform’s is $2,500, that is $2,000 you would otherwise pay. American Family’s version covers Stage 1 only, with collision up to your policy limits no matter who is at fault.

2. Personal Coverage Extension: Keeps your own policy live while the app is on. State Farm describes its version as extending “the coverage that you already have on your personal State Farm auto policy,” including your own limits and deductibles.

3. Hybrid Rideshare Policy: One policy that replaces your personal auto insurance and covers both personal and rideshare driving. These are harder to find than they used to be. No major insurer lists one on its website today, so you would have to ask an agent whether anything like it is still written in your state.

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 for the “app on, waiting” period, others extend your personal policy into rideshare driving, and a few point drivers toward commercial coverage instead. None of them publishes a price, and most publish no state list, so the table below is about how each one works. Confirm availability and the app periods covered for your own ZIP code before you buy.

Insurance Company	How Rideshare Coverage Usually Works	Typical Cost Impact	Best For	Availability Notes
USAA	We could not confirm USAA’s rideshare terms from anything USAA publishes.	Not published.	Eligible military families, if USAA writes it where you drive.	Could not be confirmed. Ask USAA directly and get the answer in writing.
Progressive	Add-on endorsement to your personal policy. Gives you comprehensive and collision while you’re logged in and waiting.	Not published.	Drivers who also deliver: in most states it covers Uber Eats and DoorDash-style work too.	No state list published; coverage details vary by state.
American Family	Add-on covering Stage 1 only, the app-on-and-waiting period. Collision applies up to your policy limits no matter who is at fault.	Not published.	Drivers who mainly want the waiting-period gap closed.	American Family writes auto insurance in 19 states; confirm the add-on with an agent.
State Farm	Extends the coverage already on your personal State Farm policy, with the same limits and deductibles, while you are on the app.	Not published.	Existing customers who want their own limits and deductible to carry over.	State Farm says only that coverage options vary by state.
Allstate	“Ride for Hire” endorsement. Covers the gap between your policy and the platform’s, including the gap between the two deductibles.	Not published.	Drivers facing the $2,500 platform deductible on their own car.	Allstate’s page says it is not available in every state. Passenger rideshare only; the page does not mention delivery.
Farmers	An endorsement through an agent. Farmers has no live rideshare product page, but Uber’s own insurance page names Farmers as an insurer that may offer one.	Not published.	Drivers who prefer buying through an agent.	Select states only; ask for the endorsement name in writing.
Erie Insurance	A business-use solution through an agent. We could not confirm the terms from anything ERIE publishes.	Not published.	Drivers already with ERIE who want an agent to structure it.	Could not be confirmed. Limited to states where ERIE writes auto insurance.
GEICO	GEICO no longer has a rideshare product page. Its knowledge base says that in some states you may be able to amend your personal auto contract to add rideshare and app-based delivery protection; otherwise you may need commercial coverage.	Not published.	Current customers, only if rideshare use is approved in writing.	State by state. Confirm the covered app periods for your ZIP code.
Liberty Mutual	Often appears as a platform insurer rather than selling a driver endorsement. We found no rideshare endorsement for drivers.	Not published.	Drivers who want to know who backs the app’s commercial policy locally.	Could not be confirmed as a driver-facing product.
Nationwide	Rideshare options have been market-specific, sometimes through partners. We found no current rideshare endorsement for drivers.	Not published.	Drivers looking for options if something is offered where they drive.	Could not be confirmed. Get any answer 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 comprehensive and collision and your own deductible carry over while you’re working, and who pays the platform’s $2,500 deductible.
Delivery vs. passengers: delivery is a different product with different numbers. Uber’s delivery liability runs up to $500,000 rather than $1,000,000, and it pays nothing toward repairs to your own car at any point in a delivery. Progressive says its rideshare coverage covers delivery platforms in most states; Allstate’s page only talks about passengers.
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

Do I need special insurance to drive for Uber or Lyft?

Almost certainly. Most personal auto policies exclude driving for compensation, and the NAIC says it is not uncommon for them to do so. A rideshare endorsement narrows the gap between your policy and the platform’s coverage. Read your own policy wording to see what your insurer excludes.

Does Uber or Lyft insurance fully protect me?

No. Uber and Lyft carry commercial coverage during certain phases only. The biggest gap is the “available” period, when the app is on but you have not accepted a ride: both platforms carry liability of at least $50,000/$100,000/$25,000 then and nothing for damage to your own car. The second gap is the $2,500 deductible on their contingent comprehensive and collision.

What happens if I’m in an accident while waiting for a ride request?

During the waiting period, Uber and Lyft carry third-party liability of at least $50,000 per person, $100,000 per accident and $25,000 for property damage, and nothing for your own car. Your personal policy usually will not apply either, because of the exclusion for driving for compensation. A rideshare endorsement is what closes this gap.

Which insurance companies offer rideshare coverage?

Progressive, State Farm, Allstate and American Family publish rideshare terms on their own sites. GEICO says that in some states you can amend your personal auto contract to add rideshare and delivery protection, and Uber’s page names Farmers as another insurer that may offer an endorsement. Availability varies by state in every case, and none of them publishes a price.

How much does rideshare insurance cost?

No insurer publishes a price for rideshare coverage, so the only way to find out is to have it quoted on your own policy. Ask for the premium with and without the endorsement so you can see what the add-on costs rather than just the new total.

Does rideshare insurance cover my car when I’m offline?

Your personal policy already covers you when the app is off. What the endorsement adds depends on the company. American Family’s covers Stage 1, the app-on-and-waiting period. Allstate’s covers the gap between your policy and the platform’s, including the two deductibles. State Farm’s extends your own limits and deductibles while you are on the app. Ask which app periods yours covers rather than assuming it covers all four.

Can I drive for Uber or Lyft without rideshare insurance?

Technically yes, but you’ll be carrying the gaps yourself and risking a denied claim. Most personal policies exclude driving for compensation, so an insurer that finds out after a claim can deny it or decline to renew you. GEICO also notes that a vehicle used for business purposes may need commercial coverage instead.

Which insurer is best for Uber and Lyft drivers?

It depends on what you need. If you want the $2,500 deductible gap covered, Allstate’s Ride for Hire is built for it. If you want your own limits and deductibles to carry over while the app is on, State Farm’s version does that. If you also deliver, Progressive says its coverage extends to delivery platforms in most states. Start with whoever writes your personal policy, since this is an add-on to it.

Final Word: Best Insurance Options for Uber and Lyft Drivers

Uber and Lyft do provide real protection, but it isn’t enough for most drivers. The biggest gap is the “available” period, when you’re online and waiting for requests: liability only, nothing for your own car. The second is the $2,500 deductible once a trip starts. Those two gaps are what a rideshare endorsement is for.

Progressive, State Farm, Allstate and American Family are the four that publish what their rideshare coverage does. GEICO and Farmers offer something in some states without saying much about it. Whoever writes your personal policy, call and ask whether rideshare coverage is available in your state, which app periods it covers and what it adds to your premium.

My advice is to get the endorsement name in writing before your first shift, then check that it appears on your declarations page at renewal. An agent’s verbal yes is worth nothing at claim time.

Sources

Checked October 4, 2026

Stop Overpaying for Car Insurance