Claire Smith Last Updated On: September 13, 2023

Why Ridesharing Insurance Is Becoming Popular?

Riding sharing is an amazing way to make some extra income and work the hours you want to work. But driving for services like Uber and Lyft could leave you open to having to pay thousands of dollars out-of-pocket should anything happen—unless you have the right rideshare driver insurance.

Rideshare insurance helps ensure you’re fully protected in the event of an accident so that you can continue to work and earn money with the peace of mind knowing you’re covered.

Qualifying for rideshare insurance is as simple as traditional car insurance, so getting covered and starting your ride-sharing work is quick and easy.

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Table of Contents

What Is Rideshare Insurance?

Rideshare insurance is made for those who drive their personal vehicles for ridesharing services like Uber and Lyft. It’s specifically designed to protect drivers in ways that their regular auto insurance policies wouldn’t.

When you are a rideshare driver, you’re technically using your vehicle for business, so your personal auto insurance policy likely won’t cover any claims related to that work and you could end up having to pay out-of-pocket for any damage. Rideshare insurance does not replace your existing coverage; rather, it’s an add-on to help give you the additional protection you’ll need.

Why Choose Rideshare Insurance?

Some ridesharing and food delivery services have their own insurance coverage that protects you as a driver, but it can be limited and it doesn’t protect you at all times. Getting your own rideshare insurance on top of what the service offers fills gaps in coverage and helps ensure you’re protected should anything occur.

For example, Lyft and Uber will cover you when you’re picking up or driving a customer, but not when you’re waiting for a ride request. Your rideshare insurance will protect you in gaps like this. It will also help lower your deductible.

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Choosing Rideshare Insurance Options

Rideshare insurance varies by provider, so you do have options when it comes to choosing the best rideshare insurance for your situation. Some policies can be added to your existing auto insurance policy, some can be purchased as a commercial policy, and others are hybrid models that cover you for both personal and business use of your vehicle. 

Rideshare insurance is relatively new to the industry, just like ridesharing itself, which means it’s not always available everywhere and with every insurance provider. Rideshare insurance includes typical ridesharing apps but it also often applies to food delivery apps like:

Each insurance provider has different coverage for each service (and some not at all), so make sure you find out if the app and service you need are covered before you perform any delivery or ridesharing services.

It’s important to note that rideshare insurance is different from a commercial auto policy. If you drive a taxi, limo, or bus, rideshare insurance does not apply to you:

In these cases, you likely qualify for commercial or livery policies, which are different from rideshare insurance.

Keep in mind the rideshare industry is constantly evolving and insurance providers are adapting to the market. Your coverage could change over the years.

  • Grubhub
  • Uber Eats
  • Instacart
  • Postmates
  • DoorDash

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Qualifying for Ridesharing Insurance

If you use your personal vehicle for any ridesharing service or food delivery service, you likely need and qualify for rideshare insurance. What’s more, if you already have personal auto insurance, then you likely qualify for rideshare insurance as an add-on policy. 

We’ve curated the top rideshare insurance providers to bring you the best rideshare car insurance quotes. Not only are our carriers among the most affordable, but they also rank highly for customer service, quick pay-out on claims, and transparent policies. 

Once you have your quotes, make sure you fully understand what you’re covered for and that any gaps across your personal auto insurance and your coverage from the rideshare companies are filled.

The Best Rideshare Insurance For You

Whether you drive occasionally or every day for ridesharing services, ride insurance remains crucial. This coverage will help you avoid a situation where you’re not covered and are on the hook for thousands of dollars in damage. 

You could also lose your existing policy if you don’t disclose to your insurance provider that you use your personal vehicle to make extra money. The risks are definitely not worth the reward in this case, and rideshare insurance is worth every penny.

Find out your options today to add rideshare car insurance to your policy, so that you can hit “Accept” on your next rideshare request, worry-free. 

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Rideshare insurance is for people who use their personal vehicles to drive for ridesharing services and food delivery services. This coverage helps protect them in cases where the service’s insurance and their personal auto insurance doesn’t cover them.

Services like Uber and Lyft are required to cover drivers, but the coverage is limited and isn’t always active, like when you’re waiting for a ride request. Look into the coverage they offer and make sure that your rideshare insurance covers any gaps so that you’re fully protected.

It varies by provider. Make sure you find out if the app or service is covered by the providers when you get quotes for rideshare insurance. The coverage they offer for each app can also vary by provider, so understanding the limits is imperative.

No, it doesn’t, and you could put your existing policy at risk by driving your vehicle for business purposes without the right insurance. Make sure you’re fully covered for all use of your vehicle before driving for a rideshare or delivery service. Otherwise, you could be putting yourself financially at risk.


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