Does Progressive Offer Rideshare Insurance?
Last Updated on February 5, 2026
Yes—Progressive offers a rideshare insurance endorsement you can add to a personal auto policy in many states. It’s built to help close the “app on, waiting” coverage gap that can exist for drivers, without forcing you into a full commercial policy. If you’re comparing options, Progressive is one of the major insurers that sells rideshare-friendly coverage.
In most states, Progressive also says its rideshare endorsement can apply to delivery work on platforms like Uber Eats and DoorDash, though coverage details can vary by state and by platform.
- The “Waiting” Period Is the Risk Zone: The biggest coverage confusion tends to happen when your app is on but you haven’t accepted a request yet—exactly where a rideshare endorsement is designed to help.
- Your Personal Coverage Choices Still Matter: Many rideshare endorsements extend the protections you already carry (like comp/collision, rental, roadside), but they usually can’t add coverages you didn’t buy.
- Platform Deductibles Can Be High: Even when an app provides strong on-trip coverage, physical damage coverage often comes with a large deductible—so deductible reimbursement can be meaningful.
- Availability and Rules Are State-Specific: Rideshare insurance is regulated at the state level, and platform coverage differs by location—verify what applies where you drive.
- What Progressive Rideshare Insurance Actually Does
- How Coverage Changes by App Status
- What the Progressive Rideshare Endorsement Can Add to Your Policy
- Deductible Reimbursement: What It Means in Real Life
- Where Progressive Rideshare Insurance Is Available
- Do You Need Progressive’s Rideshare Endorsement
- When Commercial Auto Insurance Makes More Sense
- How Progressive Compares With Other Insurers
- Choose Liability Limits Like You’re Driving for Work
- Final Word
- FAQs on Progressive Rideshare Insurance
What Progressive Rideshare Insurance Actually Does
Most personal auto policies aren’t priced or written for driving passengers (or deliveries) for pay, and exclusions are common. The National Association of Insurance Commissioners (NAIC) notes it’s not unusual for personal policies to exclude coverage when you’re receiving compensation for driving. NAIC’s commercial ride-sharing overview is a helpful starting point if you want the regulatory perspective.
That’s why drivers often run into trouble during the in-between moments—when you’re logged in and available, but you haven’t accepted a request yet. Your personal insurer may treat that as business use, and the app’s insurance may be limited or contingent. If you want a deeper look at how personal insurers handle this, see this breakdown of when insurers may or may not cover rideshare driving.
Without the right endorsement, you also risk a disputed or denied claim if the insurer determines you were driving for hire. Here’s what to know about why auto claims get denied and how to avoid common pitfalls.
Quick tip: After any crash, document your exact app status. A screenshot showing “online,” “accepted,” or “on trip” (with timestamp/trip ID) can help insurers determine which policy is primary.
How Coverage Changes by App Status
The easiest way to understand rideshare insurance is to think in “periods” based on your app status. Uber and Lyft publish summaries of what their in-app coverage generally includes and when it applies (Uber’s insurance overview and Lyft’s insurance overview). Progressive explains how its endorsement can complement (and sometimes make your own policy primary) during the waiting period (Progressive rideshare coverage).
| App Status | What Typically Applies | Where Gaps Happen | How Progressive’s Endorsement Helps |
|---|---|---|---|
| App Off (personal driving) | Your personal auto policy applies as written. | None specific to rideshare. | No special rideshare coverage needed while you’re truly off-app. |
| App On, Waiting for a Request | Uber/Lyft typically maintain limited third-party liability in many states (often contingent on your personal policy not applying). | Physical damage to your own car (and sometimes “who is primary”) can be the biggest issue in this period. | Progressive says your policy’s coverages (like comp/collision, if you carry them) can apply during the waiting period, helping fill the “Period 1” gap. |
| Accepted / En Route / On Trip | Uber and Lyft generally provide higher liability limits during active trips, and contingent comp/collision may apply with a large deductible (often $2,500) if you carry comp/collision personally. | High deductibles and state/platform exceptions; rental/roadside benefits may not be included through the app. | Progressive notes some personal-policy add-ons (like rental reimbursement/roadside, if on your policy) can still apply, and it advertises deductible reimbursement to help offset the platform deductible. |
Important: Coverage, limits, and deductibles vary by state and platform, and the “primary vs. contingent” question can be fact-specific. Always verify what applies in your state using your platform’s insurance details and your policy/endorsement paperwork.
What the Progressive Rideshare Endorsement Can Add to Your Policy
Progressive’s rideshare endorsement is designed to extend the coverages you already carry on your personal policy into the “app on, waiting” window. In practice, that often means you may be able to rely on the same protection you selected for personal driving—depending on your state and policy details.
- Comprehensive coverage and collision coverage (if you carry them) to help repair your vehicle in covered losses.
- Uninsured/underinsured motorist coverage in many situations—especially relevant for hit-and-run crashes and uninsured drivers (rules vary by state).
- Roadside assistance and rental reimbursement (if you’ve added them), which can be helpful if your car is in the shop after a covered claim.
- No-fault/medical protections that may be part of your policy in some states, such as personal injury protection (PIP) or medical payments (MedPay), depending on your location and selections.
Quick tip: A rideshare endorsement usually can’t “create” comprehensive/collision if you don’t already carry them. If you’re liability-only, ask what protection (if any) applies to your own car while you’re waiting in the app.
Deductible Reimbursement: What It Means in Real Life
When you’re on an active trip, Uber and Lyft commonly apply a large deductible for contingent physical damage coverage (often $2,500). Progressive advertises “deductible reimbursement,” meaning it will reimburse the difference between your personal Progressive deductible and the rideshare company’s deductible in eligible situations. Example: if the app’s policy has a $1,000 deductible and your Progressive deductible is $500, Progressive says it would reimburse $500.
If you’re choosing deductibles, this guide can help you think through the tradeoffs: car insurance deductibles explained.
Where Progressive Rideshare Insurance Is Available
Availability is state-specific. As of January 2026, Progressive lists the personal auto rideshare endorsement as available in the states below (plus Washington, D.C.) on its own published eligibility list. If your state isn’t listed, Progressive may still offer an alternative through a commercial for-hire (livery) policy. See Progressive’s rideshare availability page for updates.
| Alabama | Arizona | Arkansas | Colorado |
| Florida | Georgia | Idaho | Illinois |
| Indiana | Iowa | Kentucky | Louisiana |
| Maine | Maryland | Massachusetts | Michigan |
| Minnesota | Mississippi | Missouri | Montana |
| Nebraska | New Hampshire | New Mexico | North Carolina |
| North Dakota | Ohio | Oklahoma | Pennsylvania |
| Rhode Island | South Carolina | South Dakota | Tennessee |
| Texas | Utah | Virginia | Washington |
| Washington, D.C. | West Virginia | Wisconsin | Wyoming |
Do You Need Progressive’s Rideshare Endorsement
If you’re insured with Progressive and you drive for a rideshare company, Progressive states you’re required to add rideshare coverage to your personal policy. That requirement is spelled out on Progressive’s rideshare coverage page. If you’re already a Progressive customer, this is typically handled as an add-on to the same personal policy (learn more about the base policy in this Progressive auto insurance review).
If you’re not insured with Progressive, the bigger takeaway is universal: make sure your insurer knows you drive for hire and confirm you have coverage for the “app on, waiting” period. State rules, platform insurance, and personal policy terms don’t always line up neatly.
When Commercial Auto Insurance Makes More Sense
A rideshare endorsement is usually designed for part-time or platform-based driving using a personal vehicle. You may need a true commercial policy if you operate a for-hire vehicle full-time, drive a livery/black car service, have employees, or your platform (or local rules) require commercial coverage. Here’s how to tell if you’re in that category: when you need commercial auto insurance.
How Progressive Compares With Other Insurers
Progressive is one of several mainstream carriers that offer a rideshare solution. If you’re shopping, compare how each company treats the “app on, waiting” period, deductible reimbursements, and delivery work (if you deliver). You can start with these insurer-specific guides:
- GEICO and rideshare coverage
- State Farm and rideshare coverage
- Allstate and rideshare coverage
- USAA and rideshare coverage
Choose Liability Limits Like You’re Driving for Work
Even when the platform provides high limits on an active trip, you’re still exposed in other periods—and serious crashes can exceed minimum limits quickly. If you’re unsure where to start, use this guide on how much auto insurance you should carry and think about your real-world risk (time on the road, nighttime driving, dense traffic, and how often you’re logged in).
Final Word
Progressive does offer rideshare insurance, and it’s designed to fill the common coverage gap when you’re logged into a rideshare or delivery app but not yet on an active trip. The best next step is to confirm (1) that the endorsement is available in your state, (2) which coverages you need to carry on your personal policy for it to help, and (3) how your platform’s insurance applies in each period.
Rules and availability vary by state, and your declarations page and endorsements control coverage—so review your paperwork and ask your insurer specific “what if” questions before you start driving.
