F
Farmers
Rideshare endorsement available with a signature-series policy, strongest in western states where the carrier has dense...
Rated 8.1/10$64/mo
State Rule
Arizona Rideshare Insurance Rules
Arizona requires 15/30/10 personal liability and TNC coverage of 50/100/25 while a driver is logged on. Endorsements are broadly available.
Read the full guideCarrier Directory
All Insurers →Endorsement availability, ratings and monthly cost
A
Allstate
Broad rideshare endorsement availability plus accident forgiveness, but premiums run above average and claim satisfaction varies...
Rated 8.3/10$61/mo
U
USAA
Military-only eligibility, lowest average rideshare premiums in most published comparisons, and rideshare coverage that can be...
Rated 9.2/10$39/mo
P
Progressive
Rideshare-specific product built for high-mileage drivers, with per-mile options and a strong record of paying TNC...
Rated 8.5/10$47/mo
State Requirements
All State Rules →Liability minimums and the phase-one gap by state
A
Arizona Rideshare Insurance Rules
Arizona requires 15/30/10 personal liability and TNC coverage of 50/100/25 while a driver is logged on....
Min 15/30/10
P
Pennsylvania Rideshare Insurance Rules
Pennsylvania requires 15/30/5 personal liability with first-party medical benefits. TNC coverage applies while logged on at...
Min 15/30/5
G
Georgia Rideshare Insurance Rules
Georgia requires 25/50/25 personal liability. TNC coverage of 50/100/25 applies while logged on, and rideshare endorsements...
Min 25/50/25
I
Illinois Rideshare Insurance Rules
Illinois requires 25/50/20 personal liability and uninsured motorist coverage equal to the liability limits. TNC platforms...
Min 25/50/20
Coverage Explained
All Coverage Types →What each option pays for and who needs it
M
Medical Payments Coverage
Covers medical bills for the driver and passengers regardless of fault, up to a chosen limit.
U
Uninsured Motorist Coverage
Pays for the driver's injuries when the at-fault party has no insurance or flees the scene.
G
Gap Coverage
Pays the difference between the vehicle's actual cash value and the remaining loan balance after a...
C
Commercial Auto Policy
A policy written for business use of a vehicle, with commercial liability limits and no personal-use...
R
Rideshare Endorsement
Adds commercial-use permission to a personal auto policy so the policy still responds while the app...
Rate Benchmarks
All Rate Tables →Monthly premiums by driver profile
R
Rideshare Insurance With a DUI Record
Driver with one DUI in the past three years, 2017 sedan, SR-22 filing required: base $289/month,...
Base $289$210 - $520
R
Rideshare Insurance for Drivers Under 25
21-year-old driver, 2021 Honda Civic, clean record, minimum limits: base $246/month, range $180 - $480
Base $246$180 - $480
D
Delivery Driver Insurance Cost (DoorDash, Instacart)
Delivery driver, 2018 Subaru Outback, clean record, 50/100/50 limits: base $164/month, range $110 - $355
Base $164$110 - $355
L
Lyft Driver Insurance Cost Per Month by State
Part-time Lyft driver, 2020 Toyota Camry, one at-fault accident, 30/60/25 limits: base $132/month, range $88 -...
Base $132$88 - $265
Latest Analysis
All articles →
Oct 22
The Rideshare Insurance Gap: What Happens Between Logging On and Accepting a Trip
Platform coverage only starts when a trip is accepted. In that window, a standard...
Oct 21
How Much Does Rideshare Insurance Cost Per Month? 2026 Price Breakdown
The honest answer to rideshare insurance pricing is a range, because ‘rideshare insurance’ means...
Oct 21
Does Personal Auto Insurance Cover Delivery Driving? DoorDash & Uber Eats 2026
Most personal auto policies contain a livery or delivery exclusion — using your car...
Oct 21
Uber Black vs UberX Insurance Requirements: What Drivers Need in 2026
Uber Black and UberX run on the same app but sit under very different...
May 20
Title: Rideshare Insurance on a Budget? How to Legally Downgrade Your Coverage Without Losing Protection
Picture this: It’s Tuesday morning. You’re driving for a rideshare platform
May 19
Article Title: Rideshare Insurance Refund: What Drivers Need to Know Before Filing a Claim
Scene: A Tuesday evening, 7:45 PM. Your phone pings with a new ride request
Questions Drivers Ask
Does DoorDash need commercial insurance?
Delivery work is excluded by nearly every personal policy and is not covered by rideshare endorsements, so yes, delivery-specific coverage is required.
Can I drive for both Uber and Lyft with one policy?
Yes, as long as the endorsement does not name a single platform. Most endorsements cover rideshare generally.
Will a rideshare claim raise my personal rates?
An at-fault accident raises rates regardless of app status; a not-at-fault claim usually does not, but the endorsement itself may change the base rate at renewal.
Does Uber provide insurance for drivers?
Yes, but only contingent coverage tied to the trip phase, and it sits behind the driver's own policy in most states.
What is the rideshare coverage gap?
The period when the app is open but no trip has been accepted, during which neither the platform nor a standard personal policy provides coverage.
Is rideshare insurance required by law?
No state requires a rideshare endorsement, but every state requires the vehicle to be insured while in commercial use, and platforms require proof of coverage.