Part-Time Driver Rate Table, 15 Hours/Week
The part-time rate table: what 10–15 hours/week of rideshare costs in coverage — where the endorsement stack is usually the right answer.
| Item | Detail |
|---|---|
| Endorsement cost | $7–35/month on top of personal premium |
| Effective total | Personal + endorsement usually $130–220/month |
| Hybrid comparison | Often loses at part-time hours — over-buying |
| USAA (if eligible) | The floor: $7–20/month endorsement |
| Delivery note | DoorDash-only drivers have cheaper options |
Why endorsements win part-time
At 15 hours/week you are nowhere near endorsement hour caps, and the hybrid’s scaling premium buys coverage depth you don’t use. The stack — personal policy plus a $7–35 endorsement (our file) — is the cost-efficient structure. USAA members start and often end there.
The part-time traps
Two: forgetting the endorsement during a “just this weekend” stretch (the Period 1 exposure — our file), and double-counting delivery apps into a rideshare endorsement that excludes them (our tip). Seasonal drivers: the review tip.
FAQ
How much does part-time rideshare insurance cost?
$7–35/month for the endorsement on top of your existing personal policy — USAA cheapest if eligible.
Can I just drive occasionally without telling my insurer?
No — app-on windows void personal coverage. The endorsement is the legal, cheap way to drive occasionally.
Related reading: Endorsement file · Period 1 file · Delivery tip · Rate library