Do I need to tell my insurer I drive on a ridesharing platform?

Yes. Engaging in ridesharing activities opens you up to potential liabilities that your personal auto policy may not cover. Plus, an insurer could cancel or non-renew your policy if they find out you’re engaging in ridesharing activities without notifying them. Always contact your auto insurer before you start ridesharing to make sure you’re not violating the terms of your policy, and to add rideshare coverage.

Important note: Some insurance companies don’t offer rideshare insurance, or only offer it in certain states. If yours doesn’t, you’ll either want to switch to a company that does or consider getting a commercial auto policy. In some states, or for some rideshare services, you may be required to purchase a commercial policy instead. While commercial insurance is typically more expensive, it’s the only way to obtain rideshare coverage in certain states.

How does rideshare coverage work?

When you’re waiting for a ride request, you may be covered by liability insurance provided by Uber or Lyft. However, that insurance usually doesn’t provide comprehensive, collision, or any additional coverages during this time period. For example, if you were to hit an object, vehicle, or animal, or if your car was stolen or vandalized, you wouldn’t be covered for any physical damage to your vehicle. With rideshare insurance, you can extend comprehensive, collision, and other coverages on your personal auto policy so they apply when you’re waiting for ride requests.

Here’s how your coverages may shift during a typical ride:

When you’re offline or your rideshare app is off

Your personal auto insurance policy with your selected coverages apply. Any insurance provided through Uber or Lyft doesn’t apply during this time period.

When your app is on & waiting for a ride request

The ridesharing company may provide some insurance that covers liability for bodily injury and property damage. It may also provide some contingent coverage for physical damage to your vehicle with a deductible.

What your rideshare insurance covers:

  • Comprehensive & collision: These coverages include the same deductible as your personal policy.
  • Uninsured/underinsured motorist (UM/UIM): Uninsured/underinsured motorist coverage types and limits are generally the same as your personal policy, except that coverage is provided only for the driver during this period.
  • Additional coverages: Roadside assistance, rental car reimbursement, and other coverages may apply if you have them on your policy. Medical payments and PIP coverage may apply as well, but only to the driver.

When you accept a request & pick up a rider

The ridesharing company may provide some insurance covering liability for bodily injury and property damage up to the policy’s limits of liability. It may also provide contingent coverage for physical damage to your vehicle and uninsured/underinsured motorist bodily injury coverage.

What your rideshare insurance covers:

  • Additional coverages: Roadside assistance, medical payments, rental car reimbursement, and other coverages may also apply during this time period if you have them on your policy.
  • Deductible reimbursement: Depending on your insurer, you may be reimbursed for the difference between the deductible on your policy and the deductible on any policy provided by the ridesharing company.

What if I’m at fault in an accident and my customers are injured?

Any liability coverage under a policy provided by the ridesharing company may cover injuries to your passengers up to that policy’s stated limits of liability.

Am I covered while driving for Uber Eats, Door Dash, and other delivery services?

With Progressive rideshare insurance, you’re also covered while driving on a delivery service platform like Uber Eats or Door Dash in most states. However, other insurers may exclude this activity from their rideshare coverage. Always check with your insurance company and the delivery service company to ensure you’re properly covered before performing delivery services.

What other coverages should I consider?

While your personal policy with rideshare insurance added may cover the gaps on a policy provided by a ridesharing company, it’s important to make sure your protection fits your needs. For instance, the policies provided by the ridesharing company may not offer gap (loan/lease payoff) coverage. If you owe more on your vehicle than it’s worth, consider adding loan or lease payoff coverage to your auto policy.

What if I want to use my commercial vehicle for ridesharing?

If you drive a taxi, limousine, or any other vehicle used by a business to transport people for a fee, you typically need a commercial auto policy, or “livery insurance.” Progressive offers for-hire livery insurance in 43 states. Call us today and speak with a licensed expert or specialty agent for commercial policies. You can also get a livery insurance quote online.

Rideshare coverage through Progressive

We offer affordable ridesharing insurance as an add-on to your personal auto policy in most states. In the states where a rideshare endorsement on your personal policy isn’t available, we can help you obtain a commercial auto policy.

Current Progressive customers

Call us at 1-866-749-7436 and a licensed professional will let you know if you can add rideshare insurance to your personal auto policy or if you need a commercial policy.

New Progressive customers

Get a car insurance quote online or call us at 1-866-749-7436 and let us know you’re driving for a rideshare company.