Rideshare Insurance

Get rideshare coverage & stay protected

Quote rideshare insurance & pick up peace of mind

Getting insurance for when you are operating on the Uber, Lyft, or any ridesharing platform is easy — just start an auto quote and let us know that you’ll be using your car for ride-hailing. We’ll add a rideshare endorsement to your personal auto policy that fills most of the gaps between your insurance and any insurance provided through the rideshare company, giving you robust protection as soon as you log on.

Do you need rideshare insurance?

Rideshare insurance is meant for those who drive on a passenger ridesharing platform of a transportation network company (TNC). Most insurers, including Progressive, require their customers to add rideshare coverage to their personal auto policy before driving for a TNC. Why? Because ridesharing opens you up to liabilities that your personal policy isn’t meant to cover. Plus, by adding rideshare coverage, you can gain protection beyond any coverage provided through the ridesharing company’s insurance policy.

What coverage gaps does rideshare insurance fill?

Any insurance afforded through the ridesharing company’s insurance policy may only cover you for liability while you’re waiting to match with a rider, which means you’re on the hook for physical damage to your car. But with Progressive rideshare insurance, any physical damage coverages on your personal auto policy will apply during this phase of a trip. So, if you have comprehensive or collision, your vehicle will be covered.

When & how does Progressive rideshare insurance apply during a trip?

While you’re offline, your Progressive auto policy provides you with coverage. Once you’re logged in, you may be covered by a combination of insurance provided by the TNC (if they offer insurance) and your own auto policy (if you have the rideshare add-on). The chart below shows which coverages may be provided by the TNC and which of your coverages may apply during the two main stages of a trip:

Coverages while you’re online Waiting to match with a rider Trip accepted & transporting rider
Bodily injury & property damage liability Progressive/TNC* TNC
Comprehensive Progressive** TNC
Collision Progressive** TNC
Uninsured/underinsured motorist Progressive** TNC
Personal injury protection/medical payments Progressive**
Roadside assistance Progressive** Progressive**
Rental car reimbursement Progressive** Progressive**

*While waiting for a pickup request, primary liability coverage is typically provided by your personal auto policy with the rideshare add-on. Additional liability coverage may be provided by the TNC.

**These coverages only apply if you carry them on your personal auto policy. Uninsured/underinsured motorist coverage and personal injury protection/medical payments coverages only apply to the driver and not to any guest passengers while waiting to match with a rider.

†These coverages may be contingent on whether you also carry them on your personal auto policy.

What happens if I cause an accident while working as a driver on a rideshare platform?

If you cause an accident while you have passengers in your car, any liability coverage provided through the ridesharing company’s insurance policy will typically cover injuries to your passengers, as well as damaged property, up to that policy’s limits.

If you cause an accident while you’re waiting to match with a rider, your personal auto policy with the rideshare endorsement will typically cover some or all the injuries and damages you’re responsible for, up to your policy’s limits. Additional liability coverage may be provided through the ridesharing company’s insurance policy.

Does rideshare insurance apply to on-demand delivery services?

In most states, Progressive rideshare insurance also covers drivers who operate on delivery service platforms like Uber Eats or Door Dash. The exact coverages that apply between your personal auto policy (with rideshare add-on) and any insurance provided through the delivery company may vary by state. Give us a call at 1-855-347-3939 for more information.

Why choose Progressive rideshare insurance?

When you add rideshare coverage to your Progressive auto policy, you get greater convenience and peace of mind. Here are just a few things that make us stand out:

  • One policy, one payment: You can fill your ridesharing coverage gaps and still be covered for personal driving, all under one insurance policy.
  • Extended coverages: You can drive easy knowing your coverages apply while logged in and waiting for passengers.
  • Deductible reimbursement: We’ll reimburse you for the difference between the ridesharing company’s insurance deductible and the deductible on your personal policy. So, if the policy provided by the ridesharing company has a $1,000 deductible, and you have a $500 deductible, we’ll pay you $500.

Already a Progressive customer? Simply call 1-855-347-3939 to add a rideshare endorsement to your existing auto policy before you hit the town. Have more questions? Learn more about how rideshare insurance works.

Get rideshare insurance today & drive protected

Get a quoteOr, call 1-855-347-3939