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Car insurance for rideshare drivers is tricky because your personal auto policy may not cover you the whole time you\u2019re driving for Uber, Lyft, or a delivery app. Coverage can change depending on whether you\u2019re waiting for a request, on the way to pick someone up, or actively driving a passenger.<\/p>\n
To find the best insurance for rideshare drivers, Yahoo Finance analyzed 20 major insurers across rideshare availability, full coverage rates, discounts, coverage options, and protective add-ons like accident forgiveness and gap insurance. The companies below stood out for offering the right mix of affordable rideshare coverage and policy features that matter for gig drivers.<\/p>\n
Learn more:<\/p>\n
American Family earned the top spot for best rideshare insurance because it offers rideshare drivers many affordable options. You\u2019ll find 11 coverage options, including accident forgiveness, a diminishing deductible, new car replacement, and gap insurance. It also has some of the most affordable rideshare coverage. If you live in one of the states where it operates, it\u2019s one of the best choices for part-time or full-time rideshare drivers who don\u2019t want to overpay.<\/p>\n
American Family also scored at the top of our analysis for the <\/em>best car insurance overall<\/em><\/a>.<\/em><\/p>\n Pros<\/strong><\/p>\n Cons<\/strong><\/p>\n Average cost for full coverage car insurance:<\/strong> $151<\/p>\n<\/li>\n Availability:<\/strong> Regional (Mostly the West and Midwest)<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> C+<\/p>\n<\/li>\n Coverage offerings: <\/strong>11 options<\/p>\n<\/li>\n Available discounts:<\/strong> 17 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 3.95 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>American Family auto insurance review<\/em><\/a><\/p>\n Farmers has some of the best insurance for Uber drivers and other gig workers. It boasts one of the broadest coverage menus in our study and has plenty of discounts to drive prices down. If you\u2019re someone who prefers customizing limits, endorsements, and optional protections, Farmers auto insurance for rideshare will give you plenty of room to tailor coverage to your specific risk tolerance.<\/p>\n Farmers scored near the top of our analysis for the <\/em>best car insurance for seniors<\/em><\/a>.<\/em><\/p>\n Pros<\/strong><\/p>\n Car insurance rates are slightly below average<\/p>\n<\/li>\n Strong lineup of protective add-ons<\/p>\n<\/li>\n Broad range of available discounts<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n Average cost for full coverage car insurance:<\/strong> $182<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling: <\/strong>C-<\/p>\n<\/li>\n Coverage offerings: <\/strong>17 options<\/p>\n<\/li>\n Available discounts: <\/strong>19 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.75 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Farmers auto insurance review<\/em><\/a><\/p>\n Allstate\u2019s ridesharing insurance stands out for how much protection you can layer into the underlying policy. The company\u2019s range of options includes every major add-on we scored (accident forgiveness, diminishing deductible, new-car replacement, and gap insurance), which can make a difference if you\u2019re driving frequently for Uber or Lyft.<\/p>\n Pros<\/strong><\/p>\n Cons<\/strong><\/p>\n Average cost for full coverage car insurance:<\/strong> $180<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> D<\/p>\n<\/li>\n Coverage offerings: <\/strong>15 options<\/p>\n<\/li>\n Available discounts:<\/strong> 11 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.4 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Allstate car insurance review<\/em><\/a><\/p>\n Travelers strikes a practical balance between price and protection, making it one of the best rideshare insurance companies. Travelers\u2019 average premium is competitive, and it offers optional add-ons such as accident forgiveness, diminishing deductible, new-car replacement, and gap insurance, among others. Travelers delivers steady value for gig workers looking to manage costs.<\/p>\n Travelers also made our list of the <\/em>best teen car insurance<\/em><\/a>.<\/em><\/p>\n Pros<\/strong><\/p>\n Competitive full coverage rates<\/p>\n<\/li>\n Strong lineup of protective add-ons<\/p>\n<\/li>\n A decent number of discounts<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n Average cost for full coverage car insurance:<\/strong> $183<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> C<\/p>\n<\/li>\n Coverage offerings: <\/strong>14 options<\/p>\n<\/li>\n Available discounts:<\/strong> 14 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.65 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Travelers car insurance review<\/em><\/a><\/p>\n Liberty Mutual is built for drivers who want options. It offers one of the largest coverage menus in our analysis and has tons of unique coverage add-ons like Mexico car insurance if you accept rides that will take you across the border, and better car replacement coverage that will replace your vehicle with one model year newer.<\/p>\n Liberty Mutual also ranked highly for best car insurance overall, according to our analysis.<\/em><\/p>\n Pros<\/strong><\/p>\n One of the largest coverage selections in our analysis<\/p>\n<\/li>\n Strong lineup of protective add-ons, including niche options<\/p>\n<\/li>\n Decent number of discounts<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n Website doesn\u2019t state if it covers food delivery drivers<\/p>\n<\/li>\n Higher full coverage rates than many competitors<\/p>\n<\/li>\n Below-average claims handling grade<\/p>\n<\/li>\n<\/ul>\n Average cost for full coverage car insurance:<\/strong> $216<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> D+<\/p>\n<\/li>\n Coverage offerings: <\/strong>19 options<\/p>\n<\/li>\n Available discounts:<\/strong> 13 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.7 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Liberty Mutual car insurance review<\/em><\/a><\/p>\n Progressive is a practical option for drivers who switch between Uber, Lyft, and delivery platforms like DoorDash or Uber Eats. In addition to offering a rideshare endorsement, it publicly states it will cover food delivery drivers<\/a> during certain phases of app use \u2014 something not all insurers clarify.<\/p>\n Pros<\/strong><\/p>\n Covers food delivery drivers<\/p>\n<\/li>\n Wide range of coverage options<\/p>\n<\/li>\n Strong discount availability<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n Average cost for full coverage car insurance:<\/strong> $205<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> C<\/p>\n<\/li>\n Coverage offerings: <\/strong>15 options<\/p>\n<\/li>\n Available discounts:<\/strong> 14 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.6 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Progressive auto insurance review<\/em><\/a><\/p>\n We evaluated 20 major insurance companies to determine which offered the best rideshare insurance coverage. The top spot went to American Family, which earned 5.0 stars (out of 5). Farmers followed closely behind with 4.9 stars. Allstate and Travelers tied at 4.7 stars, while Liberty Mutual and Progressive rounded out the top tier with 4.5-star ratings.<\/p>\n See how all 20 insurers in our analysis ranked for rideshare insurance below.<\/p>\n When you drive for Uber, Lyft, or a delivery app, your coverage changes depending on what \u201cperiod\u201d you\u2019re in. Most personal auto policies won\u2019t fully cover you once you turn your rideshare app on. And while Uber and Lyft provide some insurance, that coverage may have gaps when you\u2019re waiting for a ride request.<\/p>\n Rideshare insurance<\/a> (sometimes called a rideshare endorsement) fills those gaps. It typically extends your personal policy during Period 1 \u2014 when the app is on, but you haven\u2019t accepted a ride yet. Without it, you could be left paying out of pocket if you get into an accident during that window.<\/p>\n Some policies also clarify whether food delivery drivers are covered the same way as passenger drivers. If you drive for multiple platforms or switch between rideshare and delivery apps, you\u2019ll need to confirm exactly when your coverage applies and when it doesn\u2019t.<\/p>\n Rideshare coverage fills an important gap, but it doesn\u2019t replace your core policy. You\u2019ll still need liability coverage<\/a> (required in most states), plus collision<\/a> and comprehensive<\/a> if you want protection for your own vehicle.<\/p>\n Beyond your state\u2019s minimum required car insurance<\/a>, these add-ons could be helpful for rideshare drivers:<\/p>\n Learn more: <\/em>Most common types of car insurance explained<\/em><\/a><\/p>\n Auto insurance costs vary by insurer, which makes comparison shopping especially important for rideshare drivers. Even if two companies both offer rideshare coverage, base rates can differ quite a bit.<\/p>\n Below is how full coverage rates stack up across the 20 companies in our best rideshare insurance study, according to data from the auto insurance marketplace Savvy Insurance Solutions.<\/p>\n Learn more: <\/em>Cheapest full coverage car insurance<\/em><\/a><\/p>\n Rideshare coverage adds another layer to your policy, but your rate still comes down to the basics. Insurers use the same core pricing factors for gig drivers as they do for everyone else.<\/p>\n Here are the common factors car insurance providers use when calculating rates:<\/p>\n Learn more: <\/em>Car insurance rates are climbing. Here are 4 reasons why and 11 ways to save<\/em><\/a>.<\/em><\/p>\n Here are tips for finding the best rideshare insurance.<\/p>\n Start by confirming whether your current insurer even allows rideshare driving. If not, you\u2019ll need to switch companies<\/a> before adding an endorsement. Include collision and comprehensive coverage if you want protection for your car. And, consider add-on coverage options that could help you save in the long run, such as accident forgiveness. The more hours you spend driving, the more important it is to protect both your vehicle and your income.<\/p>\n Once you know what coverage you want, compare car insurance quotes<\/a> from at least three companies that offer rideshare endorsements.<\/p>\n Look at:<\/p>\n The total premium with the rideshare add-on included<\/p>\n<\/li>\n What period(s) of driving are covered<\/p>\n<\/li>\n Whether food delivery driving is included<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>How much car insurance coverage do I need?<\/em><\/a><\/p>\n Some car insurance discounts<\/a> include multi-policy discounts, safe-driver discounts, low-mileage programs, or usage-based programs<\/a>. If you don\u2019t drive much outside of rideshare work, ask whether a telematics or a pay-per-mile program<\/a> could help reduce costs.<\/p>\n Learn more: <\/em>Best car insurance discounts<\/em><\/a><\/p>\n Gig work can change quickly. If you start driving more hours, switch platforms, or buy a new vehicle, update your policy. Review your coverage at least once a year to make sure your rideshare endorsement and limits still fit your needs. You may also want to shop around again and switch car insurance companies if it makes sense for your finances.<\/p>\n Learn more: <\/em>Does buying car insurance online save you money<\/em><\/a>?<\/em><\/p>\n Many Uber and Lyft drivers carry a personal auto policy with a rideshare endorsement added. The endorsement extends coverage when the app is on, but you haven\u2019t accepted a ride yet (also known as Period 1). Some drivers rely solely on Uber or Lyft\u2019s insurance, but that coverage only applies during certain periods and could come with higher deductibles.<\/p>\n Generally, no. Since a rideshare endorsement is an add-on, you can expect your premium to increase because you\u2019re purchasing more coverage. The cost of rideshare insurance varies by company, location, driving history, and how often you drive. Comparison shopping can make a meaningful difference.<\/p>\nAmerican Family pros and cons<\/h3>\n
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Farmers pros and cons<\/h3>\n
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Allstate pros and cons<\/h3>\n
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Travelers pros and cons<\/h3>\n
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Liberty Mutual pros and cons<\/h3>\n
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Progressive pros and cons<\/h3>\n
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