Rideshare Insurance Calculator

Rideshare drivers — whether on Uber, Lyft, or another platform — need specialized insurance that covers the gaps between their personal auto policy and the coverage their platform provides. Enter your ZIP code, state, driver age, vehicle value, rideshare platform, and hours driving per week into the Rideshare Insurance Calculator to get your estimated monthly premium. Secondary outputs include the rideshare add-on cost, annual premium, and a recommended liability limit based on your profile.

Insurance rates vary by location

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Do you have personal auto insurance? *

Results

Estimated Monthly Premium

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Rideshare Add-on Cost

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Annual Premium

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Recommended Liability Limit

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Frequently Asked Questions

Do I need rideshare insurance if I drive for Uber or Lyft?

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.

What does rideshare insurance not cover?

Rideshare insurance typically doesn't cover commercial delivery services, regular business use of your vehicle, or damage to items you're transporting for passengers.

How much does rideshare insurance cost?

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.

What are the different rideshare coverage periods?

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.

Does my personal car insurance cover rideshare driving?

No, most personal auto policies exclude coverage when you're driving for commercial purposes. You need specific rideshare coverage or a commercial policy.

Where is rideshare insurance available?

Rideshare insurance is available in most states, but coverage options and requirements vary by location. Some states mandate specific TNC insurance requirements.

Can I get rideshare insurance from any company?

Not all insurance companies offer rideshare coverage. Major providers like Progressive, Allstate, State Farm, and GEICO offer rideshare add-ons in most states.

What liability limits do I need for rideshare driving?

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.