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.
Four different insurance companies serve Uber and Lyft drivers in Arizona: Farmers, Mercury, Mountain America, and USAA.
Only Farmers sells rideshare coverage in Arkansas.
Allstate, Farmers, Mercury, MetLife, and Metromile all have car insurance products for California’s TNC market.
If you work for Uber or Lyft, be glad you’re doing so from the Centennial State. That’s because six Colorado 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.
For now, Geico is the only carrier serving Connecticut's rideshare community.
Geico also serves TNC drivers in Georgia, as does Farmers.
Mountain America is the lone provider of rideshare insurance in Idaho.
Lyft and Uber fans also have plenty of car insurance options in Illinois. 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.
Only Erie Insurance provides rideshare insurance to people living and working in Indiana.
Are you a TNC driver in Kansas? You’ll have to buy compatible auto insurance from Farmers.
Erie is the lone company that sells TNC-friendly auto policies to Kentucky residents. Thankfully, they cover Period 1, 2, and 3.
For now, no one other than Geico serves Louisiana’s rideshare community. At least its offering covers the whole ride.
Attention Uber and Lyft operators in Maryland: turn to Erie or Geico if you need insurance that’ll protect you while you’re on the road and on the job.
Work as a Massachusetts 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.)
Farmers has you covered -- somewhat -- if you use one of the TNC apps to drive people from place to place in Minnesota.
Two auto insurers, Farmers and Geico, sell rideshare coverage or endorsements in Nebraska.
Lyft and Uber drivers in Nevada also have just two choices when it comes to buying insurance that’ll protect them while they’re “on the clock”: Farmers and Mercury.
Once again, the only TNC-compatible possibility in New Jersey, from a car insurance perspective at least, is Farmers.
Farmers also provides rideshare coverage to New Mexico’s Lyft and Uber operators. Geico does too.
Four insurers serve Ohio TNC drivers: Erie, Farmers, Geico, and USAA.
Hopefully you’re open to picking up an auto policy from Geico or Farmers if you work with Lyft or Uber in Oklahoma. After all, they’re your only options at the moment.
For the time being, Oregon’s rideshare operators are limited to Geico if they want full car insurance protection.
Your two choices in Pennsylvania (if you drive for a TNC): Erie and Geico.
Geico’s the only possibility for drivers in South Carolina making money using Uber or Lyft and want to be fully covered if an accident or other incident occurs.
You’ve got three options if you’re a rideshare driver in Tennessee: Erie, Farmers, and Progressive.
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.
Call Farmers or Mountain America to ensure you have full auto coverage as a rideshare operator in Utah.
Here are the three car insurance choices available to Lyft or Uber drivers in Virginia: Allstate, Erie, and Geico.
Farmers, Metlife, Metromile, and USAA all serve Washington drivers who turn to TNC apps for all or some of their income.
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.
Geico and Erie are the only possibilities for people who spend time as TNC contractors in West Virginia.
Both Erie and Farmers sell rideshare products or endorsements to users of the Uber and Lyft apps in Wisconsin.
Mountain America is the lone provider of TNC coverage in Wyoming.
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.)
- New Hampshire
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Dakota