Rideshare Insurance
Gap coverage for Uber, Lyft, and other rideshare drivers.
Typical cost: $1,500 – $3,000 per year (personal + rideshare)
Rideshare Insurance
Rideshare insurance fills coverage gaps when you drive for Uber, Lyft, or other transportation network companies. Personal auto policies exclude commercial use, and TNC company coverage has gaps—leaving you exposed without proper rideshare coverage.
The Coverage Gap
When the rideshare app is on but you haven't accepted a ride, you're in "Period 1"—a gap where personal insurance doesn't apply but TNC coverage is minimal. Rideshare endorsements or policies fill this gap.
Coverage Options
Options include adding a rideshare endorsement to your personal policy (cheapest), purchasing a hybrid personal/rideshare policy, or getting a full commercial policy (most expensive but complete coverage).
What's covered
Personal Coverage
Standard auto coverage when app is off and you're driving personally.
Period 1 Coverage
Coverage when app is on, waiting for ride requests.
Period 2/3 Coverage
Coverage from accepting a ride through passenger drop-off.
Collision Coverage
Covers your vehicle damage during all periods of rideshare driving.
Uninsured Motorist
Protects you from uninsured drivers while rideshare driving.
Tips
- • Disclose rideshare driving to your insurer—hiding it voids coverage
- • Add rideshare endorsement as the minimum—it's often just $10-$30/month
- • Understand when Uber/Lyft coverage applies and when it doesn't
- • Keep personal policy limits high for Period 1 protection
- • Track your mileage for tax deductions
Other auto insurance types
Sedan Insurance
Coverage options for standard passenger sedans.
SUV Insurance
Insurance for sport utility vehicles and crossovers.
Truck Insurance
Coverage for pickup trucks and personal-use trucks.
Electric Vehicle Insurance
Specialized coverage for EVs including battery protection.
Classic Car Insurance
Agreed-value coverage for vintage and collector vehicles.
Teen Driver Insurance
Coverage options and savings tips for young drivers.
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