Full-Time Driver Rate Table, 40+ Hours/Week
The full-time rate table: what 40+ hours/week of rideshare actually costs in insurance across structures — endorsement stacking, hybrid policies, and commercial — with the crossover math.
| Item | Detail |
|---|---|
| Endorsement stack | $25–45/month total — but hour caps and gap risks |
| Hybrid policy (Progressive model) | $180–320/month — scalable, no caps |
| Commercial policy | $150–400/month — deepest coverage |
| Crossover point | ~25–30 hours/week: hybrid beats endorsement economics |
| State spread | TX/IL cheap; FL/NY-TLC expensive |
The three structures priced
Endorsements price beautifully per month and fail structurally at volume: hour caps, gap windows, and personal-policy friction. Hybrids (our Progressive file) scale with hours — the 25–30 hour crossover is where total cost of coverage flips. Commercial (our file) prices deepest but removes every classification question.
The state multiplier
The same 40-hour week costs different money by state: Texas endorsement pricing undercuts Florida’s no-fault environment; NYC’s TLC commercial pool is a different universe (our TLC file). Per-state rows in the rate library; structure choice in the requirement FAQ.
FAQ
How much is insurance for a full-time Uber driver?
$180–400/month in a hybrid or commercial structure, depending on state and vehicle. Endorsement stacks look cheaper but cap out before 40 hours.
When should I switch from an endorsement to a hybrid policy?
Around 25–30 hours/week — the hour caps and gap exposure start costing more than the premium delta.
Related reading: Progressive hybrid · Commercial file · Rate library · Requirement FAQ