Why do you need extra Rideshare Insurance?
Automotive insurance is made more complicated if you drive for a rideshare service. Knowing the risks of driving as a Uber or Lyft driver and understanding the insurance limits of your specific state will help you to make the best coverage decisions. It is important to understand that although you may be covered for part of the ride process by Uber or Lyft, your personal insurer may have the right to drop you for being a rideshare driver.
What are the specifics of Uber and Lyft Insurance?
As a rideshare driver for Uber or Lyft, you have coverage only during part of the process. The company-specific coverage covers drivers during what rideshare terminology refers to as period two and period three of the ride. Period two begins as soon as you accept a ride request and are driving to retrieve the passenger. Period three kicks in once the passenger enters the vehicle. However, these company insurance policies are not in effect during the prior period one. Period one is the time that the driver is online and waiting for a ride request. During this time, you will have no collision coverage for Lyft or Uber. You will also have lower liability limits during period one. Because of these rules, rideshare drivers need to understand the risks of period one. Not only do you not receive collision coverage from the rideshare company during this time, but your personal insurer may also not cover you during this transition period.
This makes it especially important that you procure the necessary gap coverage. As a bonus, some of the more comprehensive rideshare-friendly policies will also provide you with additional coverage during period two and period three. This means that you will not be responsible for the collision deductible amounts levied by Uber and Lyft through their specific coverage.
Rideshare Insurance Companies Details and Differences:
As the rideshare industry has continued to expand at breakneck speed, insurance companies are recognizing the need for expanded coverage for their clients. As such, more and more insurance companies are adding rideshare-friendly policies to their portfolio of coverage options. Here are just a few of the major insurance providers that offer this type of rideshare gap coverage and what you can expect from their policy offerings:
State Farm provides gap coverage to add to existing personal policies. This insurance delivers coverage during all three periods, including the tricky period one part of the process. The company officially states that rideshare drivers can expect an added cost of about 15-20% of the current premium in order to receive this rideshare policy.
As one of the first insurance companies to provide rideshare-friendly coverage, Farmers Insurance has been leading the way in these types of policies. Like its counterparts, Farmer’s offers gap coverage for its rideshare drivers. This coverage is in addition to existing standard policies. Because this gap coverage extends to period one, rideshare drivers are completely covered while working. This type of coverage will add approximately 25% to the existing premium. With this cost, you will not have to worry about losing your insurance coverage because you drive for Lyft or Uber. A Farmer’s policy will also offer a rental car/loss use in the event that your vehicle is out of commission.
Like its competitors, Allstate offers gap coverage designed to cover rideshare drivers during period one. However, an Allstate policy will not cover you during periods one and two when you are already under the coverage umbrella through Uber or Lyft. Because of this, the premiums may be lower than some of the other insurance options. Allstate estimates that adding a rideshare endorsement to your current personal policy will add about $10-20 per month to the premium.
GEICO features a unique hybrid coverage that covers rideshare drivers under the same policy as the personal insurance. This comprehensive coverage delivers protection during all three periods of the rideshare drive. The hybrid policy also covers drivers who work for delivery services such as Uber Eats and Postmates without instituting strict mileage restrictions.
These four companies and their offerings are just a snapshot of the coverage that may be available to you. Each state delivers different coverage options with some states only featuring coverage from major insurers and others also boasting options from local providers.
Rideshare Insurance Costs
It is difficult to ballpark a rideshare insurance policy estimate because the rates vary greatly based on a number of factors. In addition to the amount of coverage and how encompassing the policy is, the individual driving record and the type of vehicle will also play a part in determining the overall cost of the policy. Where you live may also play an impact on what kind of rate offers you receive.
As with all types of insurance coverage, it is critical that you do your due diligence and shop around and compare rates. Knowing what you need and want in your coverage will help you to narrow down your options.
Rideshare Insurance Specifics by State
Alabama – Rideshare drivers in Alabama enjoy a variety of insurance options above and beyond the usual commercial offerings. GEICO, USAA, Progressive, State Farm, and Farmers Insurance are all available to rideshare drivers. The new Farmers Insurance policy addition delivers coverage during period one and they will not drop the coverage if you are a rideshare driver. The unique hybrid policy offered by Geico provides coverage during every period of the rideshare drive, including periods two and three.
Arizona – With six options to choose from, rideshare drivers in Arizona need to take special care to search for the most competitive rates. The six options are Allstate, GEICO, Mercury, USAA, State Farm, Progressive, American Family Insurance, and Farmers Insurance.
Arkansas – Arkansas rideshare drivers have the choice of three insurance vendors. Although Farmers Insurance was the first to offer a specific rideshare policy in Arkansas, drivers can also now choose from the coverage offered by GEICO and State Farm.
California – As the state with the largest rideshare presence, it is not surprising that California offers a host of options when it comes to specific rideshare insurance coverage. The myriad of vendor choices includes State Farm, Allstate, Esurance, USAA, GEICO, MetLife, and check out Mercury Insurance reviews too.
Colorado – In January of 2015, the state of Colorado passed a bill requiring that primary insurance providers offer coverage during period one. Although Uber delivers primary insurance coverage during period one, drivers cannot count on all insurance companies to cover rideshare drivers. Good choices for rideshare-friendly coverage in Colorado include Allstate, American Family, GEICO, Farmers Insurance, MetLife, Progressive, Safeco, State Farm, and USAA.
Connecticut – The state of Connecticut offers rideshare insurance policies through State Farm, USAA, Liberty Mutual, and GEICO. The GEICO coverage is a special hybrid policy. Liberty Mutual stands out for offering a policy that will not cancel the coverage of rideshare drivers.
Delaware – If you work as a rideshare driver in Delaware, your insurance options are USAA, GEICO, Progressive, and State Farm.
District of Columbia – Rideshare drivers in the DC area can choose from a variety of insurance carriers, including Allstate, GEICO, Liberty Mutual, State Farm, USAA, and Erie Insurance.
Florida – Rideshare drivers in the Sunshine State have options for coverage with some of the most well-known insurance carriers as well as a few that are less common. Options include State Farm, Progressive, Infinity, USAA, and GEICO. Drivers can also choose a policy with Foremost, a subsidiary of Farmers Insurance. Florida also boasts the distinction of being one of the first states in the country to feature a specific policy for delivery drivers. This protects drivers that work for companies such as Uber Eats, Postmates, DoorDash, or any pizza delivery service.
Georgia – There are options galore for Georgia rideshare drivers needing specific coverage. Choose from common carriers such as Allstate, American Family, Farmers, GEICO, Progressive, State Farm, and USAA. Or go with a smaller carrier such as Alfa Insurance Corporation, Mercury, or Ethio-American.
Hawaii – Although rideshare drivers in the Hawaiian islands may enjoy fantastic weather for their driving needs, they can only choose Allstate when it comes to insurance coverage.
Idaho – Coverage options including American Family, Farmers Insurance, GEICO, Progressive, USAA, and State Farm are all offered in the state of Idaho.
Illinois – Rideshare drivers in Illinois are flush with an abundance of choices when it comes to insurance coverage specific to this type of driving. Options for Illinois drivers include Farmers Insurance, Erie, Travelers, Mercury, GEICO, Progressive, USAA, Allstate, Safeco, MetLife, and State Farm.
Indiana – The list of options for Indiana rideshare drivers include Allstate, American Family Insurance, Farmers Insurance, GEICO, Progressive, Safeco, State Farm, and USAA. With so many options, it is always recommended to pay close attention to rates, as they will likely be competitive.
Iowa – Rideshare drivers in the state of Iowa need to consider either GEICO, Farmers Insurance, American Family Insurance, Progressive, State Farm, or USAA for all of their insurance needs.
Kansas – The Sunflower State offers five choices for rideshare insurance providers. While Farmers Insurance was the first provider to offer rideshare coverage in Kansas, residents can also choose from policies by GEICO, American Family Insurance, State Farm, and USAA.
Kentucky – Kentucky rideshare drivers have the option of choosing a policy from providers State Farm, Allstate, GEICO, Progressive, USAA, or Erie.
Louisiana – Drivers in Louisiana can choose to add specific rideshare coverage from Allstate, GEICO, State Farm, and USAA.
Maine – There is not as much competition for rideshare insurance coverage in the state of Maine. Drivers have the choice of only State Farm, GEICO, Progressive, and USAA.
Maryland – If you work as a rideshare driver in Maryland, your choices for coverage include Allstate, Farmers Insurance, Erie, State Farm, GEICO, Liberty Mutual, and USAA.
Massachusetts – The state of Massachusetts has lagged behind many of its New England counterparts when it comes to rideshare insurance options. Even though Boston remains as one of the top rideshare cities in the nation, it took the state enacting legislation to encourage insurance providers to adapt to the changing landscape. Currently, rideshare drivers can choose from policies offered by Allstate, Liberty Mutual, Progressive, USAA, and MAPFRE.
Michigan – Farmers Insurance owns the claim of being the first provider in the state of Michigan to offer specific rideshare driver coverage. While the Farmers Insurance policy provides coverage during period one, drivers need to rely on the rideshare-specific coverage during periods two and three. Other providers in Michigan are State Farm and Progressive.
Minnesota – With six rideshare coverage providers in the state, Minnesota drivers have a fair amount of options. Choose from coverage with Allstate, State Farm, USAA, GEICO, Progressive, or Farmers Insurance.
Mississippi – Rideshare drivers in Mississippi have limited options for insurance coverage compared to some other states. Drivers in this state can choose from coverage from only USAA, GEICO, State Farm, or Safeco.
Missouri – Currently, Missouri rideshare drivers can choose their coverage policies from State Farm, USAA, American Family, GEICO, and Progressive.
Montana – While rideshares are not as in high demand in Montana as they are in other more urban states, these drivers still need adequate coverage. Drivers have three options for rideshare-friendly coverage in Big Sky Country with GEICO, State Farm, and Farmers Insurance.
Nebraska – The state of Nebraska features rideshare-friendly policy options with Farmers Insurance, State Farm, GEICO, American Family Insurance, Progressive, and USAA.
Nevada – While Farmers Insurance was the first to provide rideshare specific coverage in Nevada, drivers in this state now enjoy choosing between coverage with State Farm, Allstate, USAA, Mercury, American Family Insurance, and Accuity.
New Hampshire – This state offers a host of rideshare-friendly provider options, such as State Farm, GEICO, Liberty Mutual, and USAA.
New Jersey – Rideshare drivers in New Jersey can choose from traditional providers such as State Farm, USAA, Allstate, and Farmers Insurance. Or drivers can consider the state-specific provider New Jersey Manufacturers Insurance Company.
New Mexico – New Mexico providers include Farmers Insurance, GEICO, State Farm, and Progressive. Because all of the policies differ in scope and details, be sure to carefully examine the options before deciding on the right coverage provider for you.
New York – When it comes to insurance requirements in New York, it is important to separate the state as a whole from New York City. The city is the only UberX market that necessitates that its drivers get TLC coverage in place of regular rideshare specific coverage or personal automobile insurance. Rideshare drivers will need to look into commercial insurance options for adequate coverage. This rule only applies to the city proper. Outside of New York City, commercial insurance is not a requirement, however, you will still need rideshare-friendly coverage. The only option for this type of insurance in the state is the coverage that is provided by Allstate.
North Carolina – Insurance coverage gets simpler in North Carolina. The only options for rideshare-friendly insurance are Allstate, Liberty Mutual, and the state-specific provider NCUberInsurance.com.
North Dakota – Rideshare drivers in North Dakota can choose from a variety of common providers for their insurance needs, including American Family Insurance, GEICO, Progressive, State Farm, and USAA.
Ohio – Farmers Insurance has continued its expansive coverage by adding Ohio to its list of states with rideshare-friendly insurance. Additional options for drivers in this state are Allstate, Erie, American Family Insurance, Progressive, and State Farm. Or drivers can choose the specially designed GEICO hybrid coverage, offering gap insurance for rideshare drivers.
Oklahoma – If you live in Oklahoma and operate a rideshare service, your options for insurance coverage include Progressive, Safeco, GEICO, USAA, Travelers, Allstate, Farmers Insurance, Mercury, and State Farm.
Oregon – While the number of rideshare insurance options in Oregon are somewhat limited compared to other states, drivers can choose from major insurers including American Family Insurance, GEICO, Farmers Insurance, State Farm, and USAA.
Pennsylvania – The state of Pennsylvania lies in the middle of the road when it comes to coverage options for rideshare drivers needing to supplement their personal coverage. Choices include Erie, GEICO, Progressive, State Farm, and Liberty Mutual.
Rhode Island – While it was slow to join the market, Rhode Island rideshare drivers now have three distinct coverage options. Drivers in this state are now able to choose rideshare approved coverage from GEICO. This type of policy eliminates the “insurance gap” during period one and ensures that you cannot be denied coverage by the personal insurer because of your rideshare status. The other two options are Erie and Progressive.
South Carolina – The options for rideshare-friendly insurance coverage in the state of South Carolina is simple to understand with the only options being Allstate, State Farm, and GEICO.
South Dakota – Rideshare drivers in South Dakota only have two options with coverage providers American Family Insurance and Progressive. American Family coverage features rideshare endorsements. This type of coverage extends the personal policy to include the time spent in period one. While you will still need the Uber or Lyft coverage during periods two and three, you will not have to be worried about being released from your policy solely on the basis of being a rideshare driver.
Tennessee – The Volunteer State boasts rideshare-friendly coverage options from Allstate, Erie, Farmers Insurance, GEICO, Progressive, State Farm, and USAA.
Texas – It is no surprise that a state as big as Texas will deliver a multitude of options when looking to find the best rideshare insurance coverage for your personal needs and preferences. Providers to consider in the Lone Star State include Allstate, GEICO, Farmers Insurance, USAA, Mercury, State Farm, Liberty Mutual, Progressive, MetLife, and Progressive.
Utah – With four options to choose from for rideshare coverage, it is easy to find the insurance policy that you need to take to the road in confidence. Rideshare drivers in Utah can choose between Farmers Insurance, American Family, State Farm, USAA, and Allstate.
Vermont – Rideshare drivers in Vermont are left with only two carrier options for their supplemental insurance coverage with GEICO and USAA as the only two choices.
Virginia – Allstate, GEICO, Progressive, State Farm, Liberty Mutual, and Erie insurance are the six choices for rideshare drivers in Virginia looking for comprehensive insurance coverage.
Washington – Washington rideshare drivers appreciate the multitude of options available to them for their automotive insurance needs. Drivers in this state can choose between a variety of levels of coverage from Allstate, American Family Insurance, MetLife, GEICO, Safeco, State Farm, and USAA.
West Virginia – With only four rideshare coverage options available in West Virginia, drivers will have less information to sort through when making their policy choice decision. Choices include policies offered by State Farm, Progressive, USAA, and GEICO.
Wisconsin – Seven unique insurers provide rideshare-friendly coverage to Wisconsin drivers. Available policies are those through Allstate, Erie, American Family, USAA, Farmers Insurance, GEICO, and State Farm.
Wyoming – Wyoming rideshare drivers cannot be as picky about their coverage options. With only three available carriers providing this type of specific coverage, it can be more challenging to find the perfect fit. Options for Wyoming drivers currently include policies from GEICO, USAA, and State Farm.
It is clear that when it comes to rideshare coverage options, not all states boast the same choices. Understanding your choices as they relate to your specific state of residence will help you to make the most informed insurance coverage decision. It is vital that you make sure that you are adequately covered as you take to the roads to earn some extra cash. The peace of mind will be worth the added cost to your budget.
Rideshare Insurance Basics
This section answers your basic questions about rideshare insurance.
What is rideshare insurance?
Rideshare insurance protects you from the gaps between the insurance coverage provided by your rideshare service and your personal auto insurance.
Which insurance companies offer rideshare insurance?
Most insurance companies offer some kind of supplemental rideshare insurance. Allstate, Erie, Mercury, and State Farm are some of the most popular options.
Is rideshare insurance expensive?
It depends on lots of factors, including where you live and what your driving record is like. Some companies can charge as much as 20% of your premium, whereas others will only charge a few dollars a month.
Do you have to have rideshare insurance?
It’s a really good idea to have rideshare insurance to protect yourself in the gig economy. Rideshare insurance makes sure you’re covered if there’s an accident during the periods where your personal and rideshare company insurance don’t cover.
How does rideshare insurance work?
Rideshare insurance covers you when your personal and company-provided insurance doesn’t. For example, it covers you when you’re between fares or deliveries but still on the clock.
What does rideshare insurance cover?
Rideshare insurance covers the times when your rideshare service’s insurance doesn’t cover you and your personal insurance doesn’t cover you. This is usually the time when you’re active on the service but don’t have an active fare in your car.
What is rideshare gap insurance?
Rideshare gap insurance is another way of saying rideshare insurance. It protects you from liability and damages for accidents that happen between the times that your standard and company insurance provide coverage. Take a look at a list of gap insurance companies.
Can I drive without rideshare insurance?
It’s possible to drive without rideshare insurance in most states. However, you should check state law and be sure you understand the risks of driving without coverage.
Do you have to have commercial insurance for rideshare?
Not in most cases. Most insurance companies offer supplementary rideshare insurance that you can add to your standard personal policy. We can also help with finding cheap full coverage insurance for bad drivers whose records are less than perfect.
Do you need rideshare insurance if you have full coverage?
Yes, full coverage describes your benefits. However, your full coverage doesn’t apply in certain situations when you’re working for a ridesharing service. In the meantime to get the cheapest auto insurance full coverage option just use our form above.
How to get rideshare insurance?
You can get rideshare insurance by contacting your personal insurance company or by buying a supplementary policy from another auto insurance company. When you go car insurance shopping its best to reach out to companies who specialize in this product.
Rideshare Insurance and Specific Insurance Companies
We’ll answer the most popular questions about rideshare insurance and specific insurance companies in this section.
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Does Liberty Mutual offer rideshare insurance?
No, Liberty Mutual doesn’t offer rideshare insurance at this time. They have a “rideshare friendly” approach to their personal insurance policies.
Does Liberty Mutual do supplemental ridesharing insurance?
Liberty Mutual doesn’t offer supplemental rideshare insurance. However, they won’t kick you off your insurance for being part of a ride-sharing service. Related: Where can I find car insurance grace period new car specifics?
Does Progressive offer rideshare insurance?
Yes, in most states Progressive can offer you supplementary rideshare insurance to cover you when your app is on but you don’t have an active fare. Learn more about how to get lower car insurance.
Does Geico offer rideshare insurance?
Geico offers a rideshare insurance policy that takes the place of your personal insurance policy, but doesn’t have a supplemental rideshare policy. Make sure you do a car insurance comparison by zip code to see what other people around you are paying.
Does Allstate offer rideshare insurance?
Yes, Allstate offers rideshare insurance. According to their website, the average cost is between $15 to $20 per year.
Does Esurance offer rideshare insurance?
Esurance offers rideshare insurance in select states, but the company wants rideshare drivers to obtain commercial insurance. Ask about cheap down payment car insurance.
Does AAA have rideshare insurance?
AAA doesn’t offer rideshare insurance at this time except where required by local or state law.
Does Nationwide offer rideshare insurance?
Yes. Nationwide’s rideshare insurance plan is usage-based. That means you only pay for insurance when you’re actually using it. Be sure your credit score is up to par otherwise you’ll need to look at car insurance for bad credit.
Does Root insurance cover rideshare?
Root doesn’t cover you while you have your rideshare app open, but they won’t remove you from insurance for working for a rideshare company. They are one of the few insurance per mile companies though this is not the only factor they look at.
Does State Farm have rideshare insurance?
Yes, State Farm will give you additional rideshare coverage. Their website says the average cost is about 15-20% of your premium.
Does USAA offer rideshare insurance?
USAA does offer rideshare insurance to eligible members. The price stats at $6 per month.
Can Progressive auto insurance drop you for rideshare?
It depends on lots of factors, like what state you live in and your specific insurance policy. You should check with your Progressive agent for more details on your case.
Does American Family Insurance cover rideshare?
Yes, American Family Insurance offers a supplemental rideshare insurance coverage option that protects you while the app is on but you don’t have a fare.
Does Ameriprise do rideshare insurance?
Yes, Ameriprise is one of the few insurance companies that includes rideshare gap coverage as part of a standard policy.
Does Cure auto insurance cover rideshare?
We couldn’t find any information on Cure’s specific rideshare policies or coverage. Your best bet is to contact a local agent, as state laws could require them to provide this coverage or prevent them from doing so.
Does Elephant insurance provide rideshare insurance?
There’s no indication from Elephant about their rideshare coverage options. You should contact an agent to see how your policy works in your specific situation.
Does Bristol West offer rideshare insurance?
Yes, Bristol West has rideshare insurance options available for most customers.
Does Hartford insurance company cover damages for rideshare cars?
Harford’s coverage of rideshare car damages depends on lots of factors, like if you had an active fare when the damage occurred, your state’s laws, and your specific auto insurance policy. You should talk to an agent for more information.
Does Hartford insurance cover rideshare?
As of this writing there’s no indication that Hartford offers rideshare insurance. However, this can change based on state and local laws.
Does Keystone have rideshare insurance?
Keystone doesn’t have publicly available information on their rideshare coverage. You should talk to a local agent to get information about your specific situation.
Rideshare Insurance and Different Rideshare Services
This section answers your questions about rideshare insurance and different rideshare services.
Do I need rideshare insurance for Uber?
That depends on your state’s laws and your personal insurance policy. Most drivers benefit from rideshare insurance to ensure they’re covered at all times.
Do I need rideshare insurance for Lyft?
Lyft will provide you with insurance. However, that insurance is only active when you have a fare. Rideshare insurance will cover you when your personal policy and Lyft’s insurance won’t.
Do I need rideshare insurance for Uber Eats?
You don’t need rideshare insurance for Uber Eats, but that places you at risk of liability for damages if there’s an accident during an insurance coverage gap.
Does Grubhub require rideshare insurance?
Grubhub will give you insurance coverage while you’re on an active delivery. However, that insurance doesn’t cover you when the app is active and you don’t have an active delivery.
Do you need rideshare insurance for Postmates?
Postmates provides supplemental insurance when you’re on a delivery and requires you to have state-minimum or better personal auto insurance.
Rideshare Insurance Prices
We’ll answer the most common questions people have about rideshare pricing in this section.
How much is rideshare insurance?
The cost of rideshare insurance depends on lots of different factors, like state law, your insurance company, your driving record, and more. It can range from a few dollars a month to 20% of your premium. Compare cheap insurance quotes by filling out our form above.
How much does it cost to add rideshare insurance?
The cost to add rideshare insurance depends on your insurance company and state laws. Some companies, like USAA will only charge a few dollars a month. Also leased car insurance requirements may be different too if that’s how you got your vehicle.
How much is rideshare insurance with Geico?
According to available records, the average cost of rideshare insurance with Geico comes out to about $150 per year.
How much is Farmers rideshare insurance?
Farmers rideshare insurance will add an average of 25% to your existing premium.
How much is rideshare insurance in California?
The cost of rideshare insurance in California depends on a few different factors. You can get it for as little as $10 a month or it can cost up to 20% of your normal premium. If your driving record is less than perfect then you may want to check out the best car insurance for bad driving record.
What is the average cost of rideshare insurance?
Depending on your driving record, car, and state, the average cost of rideshare insurance is between $6 to $25 per month.
Do auto insurance companies charge more for rideshare drivers?
Not in most cases. However, each company has its own policies depending on state law. You should talk your insurance agent if you have any questions about your policy.
Other Rideshare Insurance Questions
This section covers rideshare insurance questions that don’t fit into our other categories. Check here if you can’t find your question elsewhere.
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What insurance companies cover rideshare?
There are lots of insurance companies that offer rideshare. Allstate, Farmers, Erie, and USAA are some of the most popular options.
Can an auto insurance company see if I do rideshare?
Not in most cases. However, if you file a claim when you were active on a rideshare app, the insurance company can deny your claim in many cases.
Can auto insurance drop you for rideshare?
It’s possible that an insurance company can drop you or deny a claim for rideshare, depending on your specific policy, state laws, and other factors. Related: Why is my car insurance going up?
Can car insurance find out if rideshare?
Most insurance companies aren’t going to put effort into finding out if you rideshare. However, they will deny any claims that are generated while you are ridesharing.
Can rideshare drivers write off insurance premiums?
In most cases, yes. Insurance premiums that cover you while you’re working are a business expense. However, you should talk to a certified tax preparer to ensure your taxes are correct.
Can you claim rideshare insurance on taxes?
You can usually claim rideshare insurance on your taxes. However, tax law is complex, so trust a certified tax prep specialist to make sure your claim is accurate.
Can you get rideshare car insurance in New York?
Yes, many insurance companies that offer rideshare insurance function in New York. Check with Allstate, Nationwide, and State Farm for some of the best options. Related: Where do I find cheap liability auto insurance in New York?
Do I have to report that I rideshare to insurance?
It’s always best to be honest with insurance companies. It’s better to get new insurance if your current company doesn’t cover rideshare than to risk being liable for damages in the event of an accident.
Do rideshare apps tell your car insurance?
Unless required to by law, rideshare companies won’t report your rideshare services to your insurance company.
Do you need more than minimum insurance to driver rideshare?
That depends on what company you’re working with, state laws, and other factors. Usually state minimum insurance is sufficient for rideshare company policy.