Enter your ZIP Code, Age, Vehicle Value, Rideshare Platform, and Hours Driving Per Week into the Rideshare Insurance Calculator to get your Estimated Monthly Premium, Rideshare Add-on Cost, Annual Premium, and Recommended Liability Limit.
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Recommended Liability Limit
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Yes, personal auto insurance typically doesn't cover you while driving for rideshare companies. Rideshare insurance fills the coverage gaps during different periods of your driving activity.
Rideshare insurance typically doesn't cover commercial delivery services, regular business use of your vehicle, or damage to items you're transporting for passengers.
Rideshare insurance add-ons typically cost $15-50 per month, depending on your location, vehicle, and coverage limits. Full commercial policies can cost $200-400 monthly.
Period 1: App on, waiting for rides. Period 2: Ride accepted, en route to passenger. Period 3: Passenger in vehicle. Each period has different coverage requirements and liability limits.
No, most personal auto policies exclude coverage when you're driving for commercial purposes. You need specific rideshare coverage or a commercial policy.
Rideshare insurance is available in most states, but coverage options and requirements vary by location. Some states mandate specific TNC insurance requirements.
Not all insurance companies offer rideshare coverage. Major providers like Progressive, Allstate, State Farm, and GEICO offer rideshare add-ons in most states.
Most states require higher liability limits for rideshare drivers, typically $100,000/$300,000 for bodily injury and $50,000 for property damage, with $1 million during active rides.