A couple of years ago, few car insurance companies covered people working for the likes of Lyft or Uber.

Today, a whole host of carriers serve that rapidly growing market.

In fact, at least 10 different providers offer auto insurance for rideshare drivers in 32 states as well as Washington, D.C.

This is a Big Deal Because…

Why is that great news for their drivers? Because although Uber and Lyft provide their independent contractors with a good amount of coverage, it doesn’t fully protect drivers.

Specifically, rideshare drivers usually are mostly uninsured during a time industry insiders call “Period 1.” This is when these men and women have their Lyft or Uber apps open but don’t have any passengers.

You’re in “Period 2,” by the way, when your app is on, you’ve been matched with a passenger, and you’re driving to get them. And you’re in “Period 3” when that person is in your car and you’re taking them to their destination.

Uber’s and Lyft’s collision, comprehensive, and liability coverage protects you during Periods 2 and 3. Your personal car insurance, on the other hand, protects you when you’re off duty and your rideshare apps aren’t open.

What happens while you’re in Period 1? Without a rideshare-friendly personal policy, you’re stuck with what Lyft and Uber provide. That means a limited amount of liability coverage. So, if you crash and damage your car or injure yourself in that time, you’re on your own as far as medical or repair bills are concerned.

To learn more about when you are and aren’t covered as an Uber or Lyft driver, read our “Car Insurance for Rideshare Drivers” article.

Rideshare Car Insurance Options from State to State

With that out of the way, here are some of the many auto insurance options available to you depending on where you do your rideshare driving.

Most of them should only add about $20 to $40 a month to your premiums, by the way. To find out exactly how much a particular policy will impact what you pay for car insurance, shop around and compare quotes

Note: 11 different insurance companies are mentioned below. Both Lyft and Uber drivers can purchase TNC (transportation network company) policies from all of them except MetLife and Metromile. MetLife’s product only covers Lyft, while Metromile’s covers just Uber.

Also, the products sold by these carriers protect Lyft and Uber users for the whole ride (Period 1, 2, and 3): Allstate, Erie, Geico, Mercury, MetLife, Mountain America, and Progressive. The protection provided by these carrier’s products is limited to Period 1: Farmers, Metromile, Travelers, and USAA.

Arizona

Four different insurance companies serve Uber and Lyft drivers in this state: Farmers, Mercury, Mountain America, and USAA.

Arkansas

Only Farmers sells rideshare coverage here.

California

Allstate, Farmers, Mercury, MetLife, and Metromile all have car insurance products for the Golden State’s TNC market.

Colorado

If you work for Uber or Lyft, be glad you’re doing so from the Centennial State. That’s because six insurers are ready to sell you a car insurance policy that protects you while you’re on the job. The providers in question: Allstate, Farmers, MetLife, Mountain America, Travelers, and USAA.

Connecticut

For now, Geico is the only carrier serving Connecticut’s rideshare community.

Georgia

Geico also serves TNC drivers in the Peach State, as does Farmers.

Idaho

Mountain America is the lone provider of rideshare insurance here.

Illinois

The Prairie State’s Lyft and Uber fans also have plenty of car insurance options. Four companies -- Allstate, Erie, Geico, and MetLife -- sell policies covering all three periods. Four others – Farmers, Metromile, Travelers, and USAA -- sell policies for Period 1.

Indiana

Only Erie Insurance provides rideshare insurance to people living and working in this state.

Kansas

Are you a TNC driver in the Sunflower State? You’ll have to buy compatible auto insurance from Farmers.

Kentucky

Erie is the lone company that sells TNC-friendly auto policies to Bluegrass State residents. Thankfully, they cover Period 1, 2, and 3.

Louisiana

For now, no one other than Geico serves this state’s rideshare community. At least its offering covers the whole ride.

Maryland

Attention Uber and Lyft operators: turn to Erie or Geico if you need insurance that’ll protect you while you’re on the road and on the job.

Massachusetts

Work as a Bay State TNC driver and don’t want to worry about your insurance situation? USAA is your only option. (Sadly, its product is limited to Period 1.)

Minnesota

Farmers has you covered -- somewhat -- if you use one of the TNC apps to drive people from place to place in this state. 

Nebraska

Two auto insurers, Farmers and Geico, sell rideshare coverage or endorsements to Cornhuskers.

Nevada

Lyft and Uber drivers in the Silver State also have just two choices when it comes to buying insurance that’ll protect them while they’re “on the clock”: Farmers and Mercury.

New Jersey

Once again, the only TNC-compatible possibility here, from a car insurance perspective at least, is Farmers.

New Mexico

Farmers also provides rideshare coverage to New Mexico’s Lyft and Uber operators. Geico does too.

Ohio

Four insurers serve Ohio-based TNC drivers: Erie, Farmers, Geico, and USAA.

Oklahoma

Hopefully you’re open to picking up an auto policy from Geico or Farmers if you work with Lyft or Uber here. After all, they’re your only options at the moment.

Oregon

For the time being, Oregon’s rideshare operators are limited to Geico if they want full car insurance protection.

Pennsylvania

Your two choices here (if you drive for a TNC): Erie and Geico.

South Carolina

Geico’s the only possibility for South Carolinians who make money using Uber or Lyft and want to be fully covered if an accident or other incident occurs.

Tennessee 

You’ve got three options if you’re a rideshare driver in this state: Erie, Farmers, and Progressive.

Texas

Everything’s bigger in Texas, including the choice of insurance companies for TNC coverage. A whopping five different insurers provide TNC products or coverage to Lyft and Uber contractors in The Lone Star State. Which ones? Allstate, Farmers, Geico, MetLife, and USAA.

Utah

Call Farmers or Mountain America to ensure you have full auto coverage as a rideshare operator.

Virginia

Here are the three car insurance choices available to Lyft or Uber drivers in the Old Dominion State: Allstate, Erie, and Geico.

Washington

Farmers, Metlife, Metromile, and USAA all serve Washingtonians who turn to TNC apps for all or some of their income.

Washington, D.C.

District of Columbia rideshare drivers can turn to either Geico or Erie for auto policies that protect them the entire time they’re on the job.

West Virginia

Geico and Erie are the only possibilities for people who spend time as TNC contractors in the Mountain State.

Wisconsin

Both Erie and Farmers sell rideshare products or endorsements to users of the Uber and Lyft apps here.

Wyoming

Mountain America is the lone provider of TNC coverage in the Cowboy State.

States that Currently Don’t Have Access to Rideshare Coverage

Do you live in any of the following states? You may not be able to find rideshare coverage right now. (At the time of writing, no car insurers currently offer this kind of product in your area.)

  • Alabama
  • Alaska
  • Delaware
  • Florida
  • Hawaii
  • Iowa
  • Maine
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • New Hampshire
  • New York
  • North Carolina
  • North Dakota
  • Rhode Island
  • South Dakota
  • Vermont