Best Rideshare Auto Insurance in 2024 (Find the Top 10 Providers Here)

State Farm is the best rideshare auto insurance company because it extends personal coverage to all phases.

State Farm, Allstate, and Geico are the top rideshare insurance companies for their wide availability, customizable coverage, and low rates. Allstate rideshare policy add-ons are the cheapest, costing $20 annually.

Our Top 10 Company Picks: Best Rideshare Auto Insurance

Be aware that liability insurance doesn’t apply during the second and third phases — your rideshare company should cover that. The perk here is State Farm still provides comprehensive, collision, and more from your personal policy to fill in any gaps.

It’s also important to compare auto insurance rates by state. Enter your ZIP code above to find the cheapest rideshare insurance for you.

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How Rideshare Auto Insurance Works

There are four phases during your work hours as a rideshare driver, and understanding these is crucial to getting the right insurance:

• Phase 0: Off duty — App is off, and your personal policy covers you.
• Phase 1: Available — App is on, but you’re waiting for a customer. Your personal policy will not cover you. Some rideshare companies may provide coverage.
• Phase 2: En route — You’ve accepted a customer and are on your way. Your rideshare company covers you. Your personal rideshare insurance may provide some coverage.
• Phase 3: On Trip — The customer is in your car. The rideshare company insurance is in full effect, and your rideshare insurance may provide coverage.

As you can see, there is a gap in phase 1 when you’re waiting for your next customer. This crucial gap is protected through rideshare car insurance.

Use this State Farm rideshare insurance example from the website to see how rideshare coverage works in real-time. State Farm breaks down the phases and how coverage works when filing a claim.

If you’re a rideshare driver in New York or New Jersey, your insurance coverage may look different. State laws impose different requirements on Transportation Network Companies (TNC) operating in the state, and you may have more coverage during each phase. Read our NJM auto insurance review to learn how to get the right rideshare insurance in New Jersey.

What Rideshare Auto Insurance Covers

Although every company is different, rideshare insurance typically extends a driver’s personal policy to their working hours. So if you have collision and comprehensive auto insurance on your policy, it extends into Phase 1 and sometimes Phases 2 and 3 depending on your provider.

The insurance is little more than liability auto insurance, which pays for property damage or injuries you cause in a collision while working. However, when you combine this coverage with your personal rideshare auto insurance, your car will have much better protection.

State Farm and Geico top our list for covering Phases 1-3 while Allstate lets drivers pick and choose which coverage applies when ridesharing. 

The Difference Between Rideshare Insurance vs. Personal Coverage

When you buy insurance for your car, it’s considered a personal policy. The company only agrees to cover you when you use your vehicle for personal reasons.

Personal coverage doesn’t apply when you use your car for business purposes. If you try to file a claim for damages that happened while you were working, your claim will likely get denied, and you might also be dropped as a customer.

Insurance companies require additional rideshare auto insurance coverage because of the increased risk. Professional driving is one of the most dangerous jobs in America because of the amount of time you spend on the road, so your personal policy won’t cover your work hours.

The Difference Between Rideshare vs. Commercial Auto Insurance

Unfortunately, rideshare insurance isn’t available in every state. A commercial auto insurance policy is the next best thing if you can’t buy rideshare coverage.

Commercial auto insurance is a separate policy that usually covers vehicles exclusively used for business purposes. Since most rideshare drivers use their personal vehicle when working, you’d need to buy two policies if you’re interested in commercial auto.

Commercial auto insurance offers valuable protection for working vehicles, but it’s more expensive than a simple rideshare add-on. If you have a choice, choosing specialized insurance for rideshare vehicles is your best bet.

How Much Rideshare Auto Insurance Costs

How much does rideshare insurance cost? There is much variation in how companies offer coverage for rideshare drivers. Some offer a tidy bundle for a set amount, which can easily be added to a policy. Other providers create hybrid policies that include everything you need to drive, but how much coverage you carry in your personal policy impacts the price.

Due to this difference, comparing rideshare insurance costs is difficult. For example, buying a hybrid policy will likely cost between 15% and 20% more than what you would pay for a standard plan. To get an idea of what you might pay for rideshare insurance, check below:

Best Rideshare Auto Insurance Monthly Rates by Provider

NJM and USAA rideshare insurance have the cheapest monthly rates, but coverage isn’t available to all drivers. Geico is the cheapest rideshare insurance company in more states with the lowest deductibles.

If you’re wondering how to get an Uber driver auto insurance discount, ask your provider about its list of auto insurance discounts and consider shopping with companies that cater to rideshare drivers.

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Best Rideshare Auto Insurance Coverage

#1 – State Farm: Top Pick Overall

Pros:

• Wide availability: Rideshare coverage in 43 states
• High claims satisfaction: Ranks top five in annual J.D. Power survey. See the reviews and rankings in our full State Farm Auto Insurance Review.
• Extends personal coverage: Rideshare endorsement includes all personal coverage
• Insurance at all stages: Covers all phases of rideshare pickup and delivery
• Supplemental insurance: Combine State Farm coverage with rideshare company insurance for Phases 2 and 3

Cons:

• No liability coverage: Liability insurance does not apply during Phases 2 and 3
• More expensive: Rideshare endorsement raises personal premiums by 20%

#2 – Allstate: Best for Customized Rideshare Insurance

Pros:

• Wide availability: Rideshare coverage in 42 states
• Cheapest rates: Add rideshare endorsement for $15-$20/year
• Deductible gap coverage: Up to $2,500 to cover deductible during Phases 2 and 3
• Hybrid policy: Customize which coverages apply during Phases 2 and 3
• Claim satisfaction guarantee: Ranks among top ten in annual J.D. Power survey. Read more about this provider in our  Allstate auto insurance review.

Cons:

• Phase 1 coverage only: Chosen coverages apply for entire trip for additional fee
• Expensive for young drivers: Drivers under 25 pay higher rates than with other companies

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#3 – Geico: Lowest Rideshare Insurance Deductibles

Pros:

• Wide availability: Rideshare coverage in 40 states
• Hybrid policy: Combines rideshare insurance with personal coverage
• Low deductibles: $250 rideshare deductibles 
• Insurance at all stages: Coverage for all phases of rideshare pickup and delivery

Cons:

• Call for information: No online resources for Geico rideshare insurance
• Poor claims satisfaction: Below-average for claim response and repair times. Learn more in our Geico review.

#4 – Progressive: Best for Roadside Assistance

Pros:

• Wide availability: Rideshare coverage in 34 states
• Deductible gap coverage: Helps cover deductibles during Phases 2 and 3
• Roadside assistance and rental reimbursement: These coverages apply at all rideshare phases

Cons:

• Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
• Poor claims satisfaction: Below-average for claim response and repair times. Our complete Progressive insurance review goes over this in more detail. 

#5 – USAA: Best for Rideshare Drivers in the Military

Pros:

• Wide availability: Rideshare coverage in 23 states
• High customer satisfaction: Fewer complaints and better claims response times than its competitors
• Affordable rates: Rideshare endorsement adds $6-$8 to monthly premiums

Cons:

• Exclusive: Auto insurance only available to military members. Check out insurance savings for military members and their families in our complete USAA auto insurance review.
• Phase 1 coverage only: Rideshare insurance does not apply to the whole trip

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#6 – Farmers: Best for Rideshare Insurance Discounts

Pros:

• Wide availability: Rideshare coverage in 36 states
• Better discounts: Offers more auto insurance discounts than any other provider
• Affordable rates: Rideshare endorsement raises personal premiums less than 10%

Cons:

• Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
• Poor customer satisfaction: Below-average reviews for customer service and claims handling. Take a look at our Farmers insurance company review to learn more. 

#7 – American Family: Best for Customer Service

Pros:

• Few complaints: Half the number of customer complaints than its competitors (Discover More: AmFam Insurance Review)
• High claims satisfaction: Ranks among top ten in annual J.D. Power survey
• Affordable rates: Add rideshare coverage for less than $10/mo

Cons:

• Phase 1 coverage only: Rideshare insurance does not apply to the whole trip
• Not in every state: Rideshare insurance in only 19 states

#8 – Mercury: Best for Low Rates

Pros:

• Affordable rates: Add rideshare endorsement for less than $1/day
• Few customer complaints: Customers prefer working with Mercury than other companies
• Competitive discounts: Drivers get lower rates with bundling and safe driving discounts. Explore Mercury’s discount options in our Mercury auto insurance review.

Cons:

• Not in every state: Rideshare coverage in nine states
• Phase 1 coverage only: Rideshare insurance does not apply to the whole trip

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#9 – Liberty Mutual: Best for Uber Drivers

Pros:

• International coverage: Provides rideshare insurance in Puerto Rico
• Insurance at all stages: Coverage for all phases of rideshare pickup and delivery
• Lifetime repair guarantee: Guaranteed repairs when using an approved shop (Learn More: Liberty Mutual Auto Insurance Review)

Cons:

• Not in every state: Rideshare coverage in seven states for Uber drivers
• No rideshare endorsements: Cannot be added to an existing policy, and you must have an Uber driver account to buy

#10 – NJM Insurance: Best for New York and New Jersey Drivers

Pros:

• TNC requirements: Insurance designed to meet unique NY and NJ rideshare requirements (Read More: NJM Car Insurance Review)
• Deductible coverage: Helps cover deductibles during Phases 2 and 3
• Few complaints: Significantly fewer customer complaints than other insurers
• High claims satisfaction: Ranks top three in annual J.D. Power survey

Cons:

• Not in every state: Rideshare coverage only in four states 
• Phase 1 coverage only: Rideshare insurance does not apply to the whole trip

If you want to buy rideshare insurance, you’ll need to do it with your current company. If rideshare car insurance isn’t available, you’ll know it’s time to find new insurance.

Looking at multiple companies is the best way to find affordable coverage, so evaluate auto insurance quotes to see which provider offers you the best rideshare insurance. 

State Farm, Allstate, and Geico are available in most states, but NJM Insurance is your best bet if you’re driving in New York or New Jersey. Enter your ZIP code into our comparison tool below to get free rideshare insurance quotes by state to ensure you have the car insurance you need to start ridesharing.

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