Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 29, 2022

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Key Takeaways

  • There are more car insurance companies that accept rideshare than there are those that do not
  • Buying a rideshare car insurance policy from an insurance company will ultimately save you money
  • However, purchasing a rideshare insurance policy will increase your monthly car insurance rates by up to $25 a month

Rideshare businesses, such as Lyft and Uber, have grown exponentially in recent years. With so many people driving for these businesses, drivers are in search of car insurance that will cover rideshare drivers.

Rideshare businesses usually offer some coverage to drivers, but not enough. Fortunately, there are many companies that accept rideshare drivers and offer rideshare car insurance coverage.

Even with the added cost of rideshare insurance, it may be worth looking into if you are considering driving for a rideshare company.

Before learning more about the best car insurance companies that accept rideshare and car insurance companies that don’t accept rideshare, enter your ZIP code above to compare free quotes from car insurance companies near you.

Are there car insurance companies that accept rideshare?

There are more car insurance companies that accept rideshare than there are those that do not. Car insurance companies that offer rideshare insurance coverage include:

  • Progressive
  • Esurance
  • USAA
  • Travelers
  • Mercury
  • State Farm
  • Allstate
  • Farmers

GEICO has one of the best rideshare car insurance programs out there. With a GEICO rideshare insurance policy, drivers can have a deductible as low as $250 and a hybrid policy covers personal and business driving.

Rideshare insurance is different from a full car insurance policy in that it covers drivers while driving for companies like Uber or Lyft. These rideshare companies typically offer broad coverage to their drivers, but only provide liability coverage for drivers waiting for ride requests.

The purpose of rideshare insurance is to act as a supplement for the coverage gap presented by the rideshare companies’ provided insurance. It is also often added onto a driver’s existing car insurance policy.

Some forms of rideshare insurance policies are:

  • Additional Protection: Think gap coverage.
  • Hybrid Insurance: Replaces your personal insurance.
  • Personal Insurance Extension: Integrated into your current personal policy.
  • Commercial Insurance: Insurance for business-only vehicles.

If you are planning to drive or are currently driving for a rideshare company, make sure you are adequately covered in case of an accident. Compare car insurance rates from companies that accept rideshare before you decide on a policy.

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How to Find Affordable Car Insurance Companies That Accept Rideshare

Finding car insurance companies that accept rideshare is not difficult since most companies do. Because of the higher risk with rideshare drivers and the nature of adding another line of insurance to your policy, you can expect your car insurance rates to increase.

Despite increased rates, there are still plenty of options for you to choose from that will potentially lower your rideshare car insurance rates and save you money.

These options include looking into rideshare insurance policies, talking over your discount options with an agent, and comparing car insurance quotes from companies that accept rideshare.

Before you decide to buy rideshare car insurance, shop around. Compare car insurance quotes from car insurance companies that accept rideshare and ones that do not. You might find a reputable provider that can offer you more affordable rates.

How can rideshare drivers save on car insurance?

There is a greater risk to insurance providers when insuring a rideshare driver, as more time spent in the car creates a greater likelihood of an accident. However, since not much coverage is needed, rideshare insurance costs are usually affordable.

Lyft and Uber have a $2,500 deductible drivers must pay before contingent comprehensive and collision insurance applies to them. But, with a rideshare insurance policy through GEICO or another company, drivers can pay a $250 deductible to get the coverage.

Not only does a rideshare policy save you $2,250, but it can also save you even more if you are in an accident. In addition to a $250 deductible, a rideshare add-on increases your rates by $6 to $25 more a month.

Lyft also offers $0.25 more per eligible ride for drivers that use GEICO’s rideshare program. This can put up to $500 more every six months back into Lyft drivers’ pockets.

Average full coverage car insurance rates in the United States are $1,009.38 a year or $84.12 a month. So, rideshare insurance holders can expect to pay around $100 a month for car insurance.

Even though your rates will increase with rideshare insurance, there are options to keep rideshare car insurance rates at a minimum.

Talk with your insurance agent about any discounts that may be available to you. Often, car insurance companies have discounts many drivers are unaware of that can save them a lot of money.

Also, your age, driving record, and ZIP code could save you money on your rideshare driver car insurance rates with different companies.

As always, the best way to save on rideshare car insurance is to compare car insurance rates from companies that accept rideshare drivers. Comparing rates helps you narrow down your options and find which companies and policies are best for you.

Start your search for affordable car insurance companies that accept rideshare today. Enter your ZIP code below to compare car insurance quotes from companies in your area for free.