# What are the best insurance companies for Uber drivers?

Amelia Palmer · August 5, 2026

> Uber drivers typically need rideshare insurance to fill coverage gaps not addressed by their personal auto insurance policies or the insurance provided...

Uber drivers typically need rideshare insurance to fill coverage gaps not addressed by their personal auto insurance policies or the insurance provided by Uber.

This is crucial because personal policies often exclude commercial use, which includes ridesharing.

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Rideshare insurance varies significantly by state, with some states requiring it, while others may not.

Understanding local laws is essential for compliance and adequate coverage.

When the Uber app is off, your personal auto insurance applies, but once you turn the app on, Uber provides limited liability coverage.

This coverage increases when a passenger is in the car, which can create confusion about what is actually covered.

Most rideshare insurance policies include coverage for bodily injury, property damage, and uninsured/underinsured motorist protection, but the specifics can vary widely between providers.

The average cost of rideshare insurance can range from $20 to $40 per month, depending on the driver’s location, driving history, and the insurance company’s policies.

Some rideshare insurance options are endorsements to a driver’s existing personal auto policy, meaning they can extend coverage rather than replacing it entirely.

This approach can often be more cost-effective.

Progressive, one of the top providers, allows drivers to attach rideshare coverage to their existing personal auto insurance, offering competitive pricing and additional policy add-ons.

Many insurance companies, such as Allstate and State Farm, have developed specific rideshare insurance products that cater to the unique needs of Uber and Lyft drivers.

Uber’s insurance coverage varies by region and includes liability coverage of up to $1 million when a driver is actively transporting a passenger, but drivers need to understand the nuances to avoid gaps.

The minimum recommended coverage for rideshare drivers often includes $100,000 per person and $300,000 per accident for bodily injury, along with $100,000 for property damage.

Rideshare insurance can also cover additional expenses such as rental car reimbursement and medical payments for the driver and passengers in the event of an accident.

If involved in an accident while driving for Uber, it’s vital to report the incident to both Uber and the insurance provider promptly to ensure all claims are processed correctly.

Many rideshare insurance policies offer optional injury protection, which can cover medical expenses for drivers and passengers in the event of an accident, regardless of fault.

Some insurers might offer a pay-per-mile option for rideshare drivers, which could be more economical for those who drive less frequently or during peak hours only.

The insurance landscape for rideshare drivers has been evolving, with many states implementing new regulations that can affect coverage options and pricing for drivers.

Rideshare insurance is not just limited to passenger services like Uber and Lyft; it also applies to delivery services such as DoorDash, with similar coverage needs.

The availability of rideshare insurance can vary widely among insurance companies and states, making it essential for drivers to shop around for the best terms and coverage.

In recent years, some rideshare companies have partnered with specific insurers to streamline the claims process for drivers, providing a more efficient experience in the event of an accident.

Understanding the distinctions between personal, commercial, and rideshare insurance is crucial for drivers, as each type has different implications for coverage and liability.

The science of risk assessment plays a significant role in determining premiums for rideshare insurance, as factors such as driving history, accident frequency, and even local crime rates can influence overall costs.

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