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Coverage type
Rideshare Coverage
Closes the coverage gap between Uber/Lyft's policy and your personal auto.
$132
/mo · national starting rate
60-second compare
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What it covers
Standard auto policies exclude commercial driving — including rideshare. Uber and Lyft provide contingent coverage only when you're matched with a passenger. The dangerous gap is when the app is on but you haven't accepted a ride. Rideshare endorsements close that gap for an extra $15-25/mo.
- Closes app-on coverage gap
- $15-25/mo endorsement
- Stacks with rideshare's policy
- Required by most apps
Who needs it
- Uber drivers
- Lyft drivers
- DoorDash / Instacart
- Side-hustle delivery
Comparison engine
Top 8 carriers, side-by-side
Estimated monthly rates for a 35-year-old driver, clean record, full coverage, $500 deductible. Sort any column.
U USAA A.M. Best A++ | 4.9 | $88 /mo |
G GEICO A.M. Best A++ | 4.6 | $94 /mo |
P Progressive A.M. Best A+ | 4.5 | $108 /mo |
T Travelers A.M. Best A++ | 4.5 | $114 /mo |
S State Farm A.M. Best A++ | 4.7 | $116 /mo |
M Mercury A.M. Best A | 4.3 | $122 /mo |
F Farmers A.M. Best A | 4.2 | $142 /mo |
A Allstate A.M. Best A+ | 4.4 | $148 /mo |
Rates are estimates only — final pricing depends on driving record, credit, vehicle, and coverage selections.
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Starting at $132/mo · 12+ carriers compared