Best Rideshare Insurance Companies

We selected USAA as the best rideshare insurance company overall because it’s widely recognized as one of the top insurance providers on the market. USAA’s rideshare coverage is reliable, customizable, and affordable.

USAA’s rideshare insurance can be used for any type of ridesharing or delivery driving. You can get a free quote by logging into your USAA online account and seeing how much coverage costs in your area. USAA doesn’t advertise any discounts or add-ons for its rideshare insurance offering.

If you need to file a claim, you can start the process online, through the mobile app, or by calling an agent, who will connect you with a claim adjuster. USAA partners with a network of 2,900 repair shops, but you have the option to take your car to any shop of your choosing if it needs repairs after a covered claim.

The biggest downside to USAA is that the eligibility requirements are strict. You can only purchase rideshare insurance if you are an active duty or retired military servicemember or the spouse or child of a servicemember. Additionally, USAA rideshare insurance is only available in 42 states, including Washington, D.C.

Mercury is the best rideshare insurance company for Uber drivers because the policy specifically covers you when driving any number of passengers. You get the same coverage while transporting one passenger as you do through Uber Pool, where you might be driving multiple people.

Another thing we like about Mercury’s rideshare insurance is that it’s pretty affordable. You can get coverage for as little as $0.90 per day, which equates to less than $30 per month. To get a free quote and purchase a policy, you can contact a Mercury agent. You’ll also be able to set your deductible and choose your coverage limits. 

Filing a rideshare insurance claim through Mercury is simple, but the company doesn’t support mobile claims. Once you file a claim via phone with a representative, you can track the status of the claim through your customer account. 

One of the major downsides of Mercury is that rideshare insurance is not available everywhere. In fact, the coverage area is very small. Currently, Mercury rideshare insurance is sold in Arizona, California, Florida, Georgia, Illinois, Nevada, Oklahoma, Texas, and Virginia.

Allstate is the best insurance provider for Lyft drivers because every policy includes deductible gap insurance, which stays in effect during the entire duration of a trip. Plus, you can get coverage in almost every state, which is helpful if you drive passengers across state lines. 

If you end up in an accident while driving for Lyft and would be covered under its plan, Allstate helps cover the difference between its own deductible and the Lyft deductible, which is $2,500.

Allstate doesn’t advertise how much coverage is available or what deductibles you can choose. The company does, however, mention that you can get coverage for “as little as pennies a day.” To get a quote and purchase the ridesharing endorsement, you should call an Allstate agent in your area. Just keep in mind that you must already have a personal auto policy from Allstate.

Allstate has great claim handling, with the option to file a new claim online, over the phone, or through the company’s mobile app. If you’ve never filed a claim before, Allstate has a few helpful resources on its website to guide you through the process.

Progressive is our pick for the best rideshare insurance company for coverage options. Any endorsements you’ve added to your personal policy, such as roadside assistance or rental car reimbursement, apply when you drive for a TNC like Uber or Lyft. Plus, you get full coverage during trips.

You must have an existing auto insurance policy from Progressive in order to add the rideshare endorsement. To get a free quote, you’ll need to contact an agent or fill out a form online. An agent can also explain what coverage limits are available and what deductibles you can choose from.

Although Progressive doesn’t have online quotes for rideshare insurance, you can file a claim online if you get into an accident. Customers also have the option to file a new claim through the mobile app or by calling an agent. 

Progressive’s rideshare insurance is available in most states. Just keep in mind that Progressive’s rideshare coverage can be pricey, depending on your driver profile and existing car insurance premium.

If you drive for a delivery app, State Farm is your best choice for rideshare insurance. State Farm’s policies cover a wide variety of delivery drivers and it’s a good option if you drive for multiple companies, like Uber and Postmates, or Lyft and Grubhub. 

To get rideshare coverage from State Farm, you must already have a personal auto policy from the company. However, most of the add-on policies you’ve purchased, like roadside assistance, will apply when you drive for a delivery service.

In terms of coverage limits and deductibles, State Farm doesn’t mention what options are available. If you want to get a quote or purchase an endorsement, you’ll need to call an agent. If you get involved in an accident, you can start a new claim online, through the mobile app, or by contacting your agent via phone.

One of the biggest downsides to State Farm is that its rideshare policies can be expensive. On the website, it says that adding a rideshare endorsement can add anywhere from 15% to 20% to your existing premium. If you’re already paying a lot for personal car insurance, you might end up paying a much higher rate with the addition of rideshare insurance.

If you want an insurance company with excellent claim handling, we recommend Farmers. The company is rated above-average for overall claim satisfaction in J.D. Power’s 2020 U.S. Auto Claim Satisfaction Study. Plus, you can file a claim online, through the mobile app, or by calling an agent, and track the status of existing claims from your phone or computer.

Farmers rideshare insurance is available to most drivers in the gig economy, whether you work for Uber, Lyft, Amazon Flex, Grubhub, DoorDash, or another delivery service. To get the rideshare endorsement, you must already have a personal car insurance policy through Farmers.

Although we appreciate Farmers’ commitment to fast and fair claim handling, there are a few downsides to this provider. First, you need to contact an agent to get a quote or purchase a policy. There’s also no information online about what coverage limits or deductibles are available.

Another thing to know is that Farmers has a relatively small coverage area. The endorsement is available to drivers in 36 states. However, the coverage area has slowly expanded over the last several years.