Does Progressive Offer Rideshare Insurance?

Last Updated on June 19, 2023

Progressive is one of several major car insurance companies in the United States now offering rideshare insurance.

Available in most states, Progressive’s rideshare service covers drivers operating for Uber Eats, Lyft, Door Dash, and similar services.

Keep reading to find out everything you need to know about Progressive’s rideshare insurance and how it works.

Key Takeaways:

1. Progressive offers rideshare insurance in most states, covering drivers operating for Uber Eats, Lyft, Door Dash, and similar services.
2. Drivers working for rideshare companies must add rideshare insurance coverage to their personal auto insurance policies. This provides better coverage and fills in the gaps left by the rideshare company’s in-app insurance.
3. Progressive’s rideshare insurance covers drivers when rideshare companies won’t, such as when waiting for a ride. This includes comprehensive and collision coverage, uninsured and underinsured motorist coverage, and roadside assistance.
4. Adding Progressive’s rideshare insurance provides added protection and increased limits, making it a good option for drivers who want to ensure they are fully covered at all times.

Yes, Progressive Offers Rideshare Insurance in Most States

If you drive for Uber, Lyft, or a food delivery company, you may not have adequate car insurance coverage.

Many rideshare services offer built-in insurance coverage. However, this insurance only covers you when actively picking up passengers or driving them to their destination. It doesn’t cover gaps between rides.

Personal insurance – like an ordinary Progressive car insurance policy – won’t cover these gaps. According to your personal insurance company, you’re driving for commercial purposes. If you cause an accident during this gap in coverage, then you could be forced to pay out of pocket.

Progressive covers this gap with rideshare insurance. Instead of buying a full commercial policy or driving uninsured, you can add rideshare insurance to cover the gap and remain covered.

Do I Need Progressive’s Rideshare Insurance?

Yes, Progressive requires you to add rideshare insurance coverage to your personal auto insurance policy if you’re driving for a rideshare company.

If you have a personal auto insurance policy with Progressive, you must add rideshare coverage if you plan to work for a rideshare company. Otherwise, Progressive may deny any claims related to your rideshare work.

Even if Progressive did not require you to add rideshare insurance, it might be in your best interest: adding rideshare insurance covers insurance gaps and gives you protection beyond what you get from a rideshare company.

What Does Progressive’s Rideshare Insurance Cover?

Progressive’s rideshare insurance covers you when Uber, Lyft, and other rideshare companies won’t cover you – like when waiting for a ride. It fills in the gaps in coverage, leaving you fully insured at all times.

Here’s what Progressive’s rideshare insurance covers:

When You’re Offline

If you’re offline and not driving for Uber, Lyft, or a rideshare service, then your personal Progressive insurance policy covers you at all times. Progressive covers you up to the limits of your policy, and your car insurance functions as usual.

When Waiting for a Ride Request

If you’re online and waiting for a ride request, then Uber and Lyft provide limited insurance coverage. They may provide bodily injury and liability insurance coverage during this period, for example, but limited protection for your own vehicle.

During this period, Progressive’s rideshare insurance covers things your own insurance does not, including:

• Comprehensive and collision coverage
• Uninsured and underinsured motorist coverage
• Roadside assistance
• Rental car reimbursement
• Other coverages listed on your Progressive rideshare insurance policy (certain coverages vary between states)

When You Accept a Ride Request

After you accept a ride request, Uber and Lyft cover you until the end of your ride. They generally provide you with full coverage car insurance.

However, Progressive’s rideshare coverage also covers other items during this period, including:

• Roadside assistance
• Rental car reimbursement
• Other coverages listed on your Progressive rideshare insurance policy (certain coverages vary between states)

Progressive’s rideshare insurance also comes with deductible reimbursement. Progressive will reimburse the difference between your Progressive deductible and your rideshare company’s deductible.

Progressive Rideshare Insurance Versus Rideshare In-App Insurance

Uber, Lyft, and other rideshare companies offer insurance to all drivers. However, this insurance only covers certain situations. It may also have lower limits than you need.

That’s why Progressive requires drivers to add rideshare insurance. Rideshare insurance fills gaps, provides better coverage, and increases your limits, giving you added protection even when you’re not transporting a rider or delivering a meal.

Some of the differences between in-app insurance from Uber, Lyft, and other rideshare companies and Progressive’s in-house rideshare insurance include:

• Most rideshare companies provide basic coverage when you have accepted a trip and are driving to pick up the rider. That insurance covers you from the moment you accept the trip to the moment you drop off the rider. This same coverage also applies to meals and other deliveries.
• The rideshare company’s insurance includes bodily injury and property damage liability coverage (required by virtually every state). It also includes collision coverage (to repair damage to your own vehicle after an accident), comprehensive coverage (to repair damage to your vehicle outside of accidents), and uninsured and underinsured motorist coverage (to repair damage from hit-and-runs or uninsured motorists), but only when actively on a ride.
• When you’re in between trips, however, you have a gap in insurance coverage. Your rideshare company only provides basic protection (or no protection at all) in between trips. Meanwhile, your personal insurance company (like Progressive) provides no coverage because you’re driving for commercial reasons – not personal reasons.
• By adding Progressive’s rideshare coverage to your policy, you get full coverage car insurance to fill in this gap.
• Progressive’s rideshare coverage covers everything Uber, Lyft, and other companies do not cover. It covers you when waiting to match with a rider, for example, giving you bodily injury and property damage liability coverage, collision coverage, comprehensive coverage, and uninsured and underinsured motorist coverage.
• Progressive’s rideshare coverage also includes things not covered by your rideshare insurance even when on a trip, including personal injury protection / medical payments coverage, roadside assistance, and rental car reimbursement.

How Much Does Progressive Rideshare Insurance Cost?

Progressive does not disclose how much it charges for rideshare insurance. How much you pay will vary depending on your location, driving history, coverage limits, vehicle make/model, and credit score. Other companies, however, typically charge 15%-20% of your personal car insurance premiums for rideshare insurance. So, if your Progressive auto insurance policy currently costs you $100 monthly, you can expect to pay $15-$20 monthly for rideshare insurance.

Is Progressive Good for Rideshare Insurance?

Progressive is the third-largest car insurance company in the United States. However, not all large insurance companies offer rideshare insurance. GEICO, for example, does not offer rideshare insurance State Farm, the largest insurance company in the United States, however, does offer coverage. Allstate and USAA offer coverage too.

Here are some of the reasons to consider Progressive for rideshare insurance over competing options:

One Policy & One Payment: If you’re already a Progressive customer, then it’s easy to add rideshare insurance to your policy. You only need to worry about one policy and one payment. You don’t need to buy a separate commercial policy, deal with multiple bills, or work with multiple insurance companies for your claim.

Extended Coverage: Progressive’s rideshare insurance extends beyond the coverage offered by rideshare companies. It covers you when waiting to pick up riders, for example, and it covers things your rideshare company does not – like rental car reimbursement, roadside assistance, and personal injury protection.

Progressive Reimburses Your Deductible: In certain situations, Progressive can reimburse your deductible. Progressive reimburses you for the difference between the rideshare company’s insurance deductible and the deductible on your personal Progressive policy. If Uber is asking for a $1,000 deductible, for example, and you have a $500 deductible with Progressive, then Progressive will pay you $500. Without Progressive’s rideshare coverage, you must pay the $1,000 Uber deductible out of pocket.

Final Word

If you drive for Uber, Lyft, or any other ridesharing company, you need rideshare insurance.

Fortunately, Progressive offers rideshare insurance in most states. In fact, Progressive requires all policyholders to add rideshare insurance to their policy. It’s also in your best interest to buy rideshare coverage because it fills gaps left by your rideshare company.

Contact Progressive to request a quote on your rideshare insurance coverage today.