Does Farmers Offer Rideshare Insurance?
Last Updated on February 5, 2026
Yes—Farmers offers rideshare insurance (often sold as an endorsement/add-on to a personal auto policy) in many states. It’s designed to help close coverage gaps that can happen when you drive for Uber, Lyft, and other transportation network companies (TNCs).
Farmers isn’t the only carrier with this option. If you’re comparing providers, see our list of major insurers that offer rideshare coverage.
- Farmers Offers Rideshare Coverage: Farmers provides rideshare insurance (typically as an endorsement) in many states, but availability and terms vary.
- Period 1 Is the Common Gap: The biggest coverage gap often happens when the app is on and you’re waiting for a ride—rideshare endorsements are built to address that.
- Your Coverage Depends on What You Carry: A rideshare endorsement usually extends parts of your existing personal policy; liability-only won’t become “full coverage” automatically.
- Confirm Before You Drive: Tell your insurer you’re ridesharing and verify requirements with Farmers or your agent so a claim doesn’t turn into a coverage dispute.
- What Farmers Rideshare Insurance Is Designed to Do
- Understanding the Rideshare “Periods” and Where Gaps Happen
- What Farmers Rideshare Coverage Typically Covers
- What Farmers Rideshare Coverage Usually Does Not Do
- When You Might Need Commercial Auto Insurance Instead
- How to Add Farmers Rideshare Coverage
- How Much Does Farmers Rideshare Insurance Cost?
- What to Do After an Accident While Ridesharing
- Final Word
- FAQs on Farmers Rideshare Insurance
What Farmers Rideshare Insurance Is Designed to Do
Rideshare coverage is meant to bridge the gap between your personal auto policy and the insurance provided by the rideshare company. Most personal auto policies don’t cover driving “for hire” unless you add a rideshare endorsement or a commercial policy.
In plain terms, Farmers rideshare coverage typically helps extend parts of your personal coverage to times when you’re logged into a rideshare app and available for requests—an area that can otherwise leave you underinsured.
If you’re unsure whether your current insurer will cover rideshare driving without an endorsement, read: Will my insurance company cover me if I start driving for Uber or Lyft?
Understanding the Rideshare “Periods” and Where Gaps Happen
Most rideshare insurance discussions break your driving into “periods.” The biggest coverage confusion usually happens when the app is on, but you haven’t accepted a ride yet.
| Rideshare Period | What You’re Doing | Where Coverage Usually Comes From |
|---|---|---|
| Period 0 | App off (personal driving) | Your personal auto policy (normal rules apply) |
| Period 1 | App on, waiting for a request | This is where gaps often happen; a rideshare endorsement may extend parts of your personal coverage |
| Period 2 | Accepted a ride, driving to pick up | Rideshare company coverage typically applies (terms vary by company/state) |
| Period 3 | Passenger in the car (on trip) | Rideshare company coverage typically applies (terms vary by company/state) |
State insurance regulators have flagged Period 1 as a common trouble spot because personal policies may exclude “for hire” use and TNC coverage may be limited until a ride is accepted. For an overview of how states address these gaps, see the NAIC’s explainer on commercial ride-sharing and coverage periods.
Quick tip: If you’re in the app a lot, the most important question to ask is: “Am I covered when the app is on, but I’m still waiting for a request?” That’s where rideshare endorsements are usually the most valuable.
What Farmers Rideshare Coverage Typically Covers
Rideshare endorsements generally work by extending parts of your existing personal policy into rideshare driving (especially Period 1). That means the protection you get can depend on what you already carry.
For example:
- If you carry comprehensive and collision on your personal policy, a rideshare endorsement may help keep that protection available during app-on/waiting time (subject to policy terms).
- If you carry uninsured/underinsured motorist or medical payments/PIP (where available), a rideshare endorsement may help extend those coverages during certain rideshare periods, depending on your state and policy.
- If you have liability-only insurance, adding rideshare coverage won’t magically create full coverage—you’d still only have what you purchased.
Coverage specifics vary by state, policy form, and the rideshare company’s insurance rules. To see how rideshare companies describe their own coverage, review Uber’s overview: Insurance for rideshare and delivery trips.
What Farmers Rideshare Coverage Usually Does Not Do
Rideshare endorsements are not a replacement for a true commercial auto policy, and they won’t cover every situation. In most cases, you should not expect a rideshare endorsement to:
- Cover you if you’re transporting passengers off-app (cash rides or private livery-type work)
- Increase or replace the rideshare company’s commercial policy while you’re on an active trip
- Override deductibles, exclusions, or limits on your personal policy
- Automatically make a liability-only policy behave like “full coverage”
When You Might Need Commercial Auto Insurance Instead
Some drivers still need a commercial policy—especially if their driving is primarily business use, they transport people or goods outside of a TNC platform, or their insurer requires it based on usage. If you’re not sure where the line is, this guide breaks down common scenarios: When do you need commercial auto insurance?
How to Add Farmers Rideshare Coverage
Farmers generally offers rideshare coverage as an add-on to your personal auto policy. You can usually add it by working with your local agent or contacting Farmers directly.
Start here for Farmers’ overview and eligibility details: Farmers Rideshare Insurance. Farmers also lists a phone option on that page: 1-855-808-6599.
If you need the best contact route for your situation, use our help page: Farmers customer service contact number.
How Much Does Farmers Rideshare Insurance Cost?
Pricing varies by state, driver profile, vehicle, and what coverages you carry. In many cases, rideshare coverage is a relatively modest add-on compared to switching to a full commercial policy—but the only reliable way to know your cost is to request a quote through Farmers or your agent.
Factors that can affect the price include:
- Your state and local loss trends
- Your annual mileage and how often you drive app-on
- Whether you carry comprehensive and collision (and your deductibles)
- Whether you’re also doing delivery (availability varies)
Rideshare coverage is one of many policy add-ons that can be tailored to how you drive. If you’re reviewing your options, see our guide to auto insurance add-ons and endorsements.
Quick tip: Tell your insurer you drive rideshare before you start. If a claim happens and the insurer finds undisclosed rideshare use, it can complicate coverage and claims handling.
What to Do After an Accident While Ridesharing
If you’re in a crash while driving rideshare, the most important thing (besides safety) is documenting which “period” you were in. Claims can involve both your insurer and the rideshare company, depending on whether you were waiting, en route, or on-trip.
- Move to a safe spot and call 911 if anyone is hurt.
- Take photos, gather contact info, and save screenshots of your app status (waiting vs. accepted vs. on-trip).
- Report the incident to the rideshare platform through the app.
- Notify Farmers as soon as possible and follow instructions for repairs, estimates, and documentation.
Final Word
Farmers does offer rideshare coverage in many states, typically as an add-on that helps fill insurance gaps when you’re driving app-on—especially while waiting for a request. Because rules and policy forms vary by state, confirm availability and exact coverage details with Farmers or your agent before you start driving.
