Rideshare Insurance for Uber and Lyft: Fill the Coverage Gaps

Personal policies often exclude time when the app is on. A rideshare endorsement protects you in Period 1 and keeps your policy valid with the right disclosures.

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What Uber and Lyft cover and what they do not

  • Period 1 app on and waiting: many states provide limited TNC liability only. Physical damage is usually not included.
  • Period 2 en route to pickup: higher TNC liability limits apply after you accept a ride.
  • Period 3 passenger in the car: highest TNC limits, but deductibles can be large for physical damage claims.

How a rideshare endorsement closes the gap

  • Extends parts of your personal policy to Period 1 so you are not left with a gap.
  • Helps keep your personal policy compliant by disclosing commercial use.
  • Lets you carry your preferred liability limits and optional comprehensive and collision where available.

How to buy step by step

  1. Ask your insurer for a rideshare endorsement and confirm the states where it is available.
  2. Compare two or three providers. Pricing for endorsements varies by company and ZIP code.
  3. Confirm deductibles in Period 2 and Period 3 and whether comprehensive and collision apply to your vehicle.
  4. Bind coverage and keep both your personal ID cards and TNC documents in the glove box and in your phone wallet.

Ways to lower the cost

  • Bundle with renters or homeowners, enroll in telematics, and enable paperless and autopay discounts.
  • Choose deductibles you can afford for physical damage in Period 2 and Period 3.
  • Requote every 6 to 12 months or after a move to a new ZIP code.

Compare top providers

Features and availability vary by state. Check your exact price with a quick quote.

Provider comparison table with highlights and quote actions
ProviderHighlightsAction
EverQuote
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
Get Quote
QuoteWizard
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
Get Quote
SmartFinancial
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
Get Quote

Tip: try at least two quotes. Results vary by state, vehicle, and driving pattern.

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FAQs

Why do I need rideshare insurance?

Most personal policies exclude accidents that occur while you are available for hire. A rideshare endorsement fills the gap between personal and TNC coverage during Period 1.

When does Uber or Lyft coverage apply?

Generally: Period 1 (app on, waiting) limited liability from the TNC in many states; Period 2 (en route to pickup) higher TNC limits; Period 3 (with passenger) highest TNC limits. Deductibles and coverage vary by company and state.

Is an endorsement cheaper than a commercial policy?

Usually yes. Many insurers offer a low cost rideshare endorsement added to your personal policy.

Can my insurer drop me if I drive rideshare?

If you do not disclose commercial use, some insurers may non renew. Disclose your rideshare activity and add the endorsement to keep your policy valid.

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