Rideshare Insurance Cost Calculator (Uber/Lyft)
Driving for Uber or Lyft? Your personal auto policy likely has a coverage gap during rideshare periods. Calculate your rideshare insurance add-on cost and total annual insurance expense.
Understanding Rideshare Insurance Coverage Gaps
Rideshare driving creates three distinct coverage periods, and your personal policy likely only covers Period 0:
- Period 0: App off — personal policy applies fully.
- Period 1: App on, waiting for a ride request — personal policy may deny claims; Uber/Lyft provide limited liability only.
- Period 2 & 3: En route to pickup / passenger in car — Uber/Lyft's commercial policy applies ($1M liability).
A rideshare endorsement fills the Period 1 gap for approximately $15–$60/month depending on driving frequency.
| Weekly Hours | Monthly Add-On |
|---|---|
| 10 hours or less | $15/mo |
| 10–20 hours | $25/mo |
| 20–40 hours | $40/mo |
| Over 40 hours | $60/mo |
Frequently Asked Questions
Does Uber or Lyft cover me between rides?
Only partially. During Period 1 (app on, no passenger), Uber and Lyft provide contingent liability coverage ($50K–$100K) but no collision or comprehensive. If you cause an accident during this period, your personal insurer may deny the claim and the rideshare company's coverage is minimal.
Will my insurer cancel my policy if I drive for Uber?
Some insurers will non-renew or cancel policies if they discover undisclosed rideshare activity. Always disclose your rideshare driving to your insurer and add the rideshare endorsement. Failure to disclose can void your coverage when you need it most.
Do all insurers offer rideshare endorsements?
Most major insurers (State Farm, Allstate, GEICO, Progressive, Farmers) offer rideshare endorsements in most states. Some regional insurers do not. If yours doesn't, consider switching to one that does rather than going without coverage.
Is a rideshare endorsement the same as a commercial auto policy?
No — a rideshare endorsement simply bridges the gap during Period 1. If you drive full-time for rideshare (40+ hours/week), some agents recommend a hybrid personal/commercial policy or a dedicated TNP (transportation network provider) commercial policy for comprehensive protection.
Does rideshare driving affect my personal insurance rates?
Adding a rideshare endorsement typically increases your premium by $15–$60/month. More importantly, any accidents that occur during rideshare periods and are covered by your personal policy (with the endorsement) will count toward your personal driving record and may raise rates at renewal.
Disclaimer: Results are estimates only. Rideshare endorsement costs vary by insurer and state. Consult a licensed insurance professional to ensure you have adequate coverage for rideshare activity.