8 Best Rideshare Insurance of 2026

This list is for Uber, Lyft and other app drivers who use their own car and need coverage for the gaps in the app company's policy. The biggest gap is Period 1, when the app is on but no ride is accepted: Mercury notes that TNC liability is then capped at $50,000 per person and $100,000 per accident, limits that vary by state, with no cover for your own car. We compared documented coverage periods, deductible help, delivery coverage, availability and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Only State Farm, Mercury and Plymouth Rock publish a rideshare price; for Progressive and Allstate we quote their published average policy costs. GEICO, Farmers and Nationwide pages did not load for us, and Liberty Mutual and Travelers publish no rideshare product page, so they are left out.

1. 01Top value

   

   Progressive

   8.8/10

   National insurer that adds rideshare coverage to a personal auto policy in most states and moves drivers to a commercial policy where it cannot.

   Price

   Customper month

   Rideshare is priced as an add-on; Progressive's average liability-only policy is $87.56 a month in low-cost states

   “Car insurance on average is $87.56 per month in low-cost states, $112.80 per month in medium-cost states, and $165.02 per month in high-cost states.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   9.0

   Ease of use (25%)

   9.0

   Best forfull-time and multi-app drivers who also deliver

   Progressive is the most flexible choice for drivers who work across apps. It sells rideshare insurance as an add-on to a personal auto policy in most states, and where that endorsement is not offered it helps drivers get a commercial auto policy instead, so nobody is simply turned away. Its rideshare coverage also applies to delivery platforms such as Uber Eats and DoorDash in most states, which matters for drivers who switch between passengers and food orders in one shift. Drivers who move up to Uber Black or Lyft Black can stay with the same group: Progressive Commercial sells for-hire livery insurance in 40 states and lists eligible vehicles such as the Cadillac Escalade and Tesla Model S. Progressive says the rideshare add-on increases the personal premium by an amount that depends on the car, state and record, and it publishes average liability-only costs of $87.56 to $165.02 a month. The weak point is that the add-on price itself is not published, so get a quote before you sign up.

   • ✓One company covers standard rideshare, delivery and black car work through personal or commercial policies
   • ✓Online quotes for new customers, with a dedicated phone line for rideshare questions
   • ✓Publishes average policy costs by state cost tier: $87.56, $112.80 and $165.02 a month for liability only

   • ✕Progressive does not publish the rideshare add-on price, only that it raises the personal premium
   • ✕The endorsement is not offered in every state, so some drivers must buy a pricier commercial policy
   • ✕Its rideshare explainer was last updated in August 2023, so confirm current terms by phone

   How it is sold:

   Add-on to a personal auto policy in most states

   Delivery work:

   Covered in most states

   Black car / livery:

   Progressive Commercial, 40 states

   Rideshare phone line:

   1-866-749-7436

   Bottom line: Progressive is the best car insurance for Uber and Lyft drivers because it adds rideshare coverage to a personal policy in most states, covers delivery work in most states and offers a commercial fallback. Quote State Farm too if you want an agent.

   Visit progressive.com ↗

2. 02

   

   State Farm

   8.7/10

   Largest agent network on this list, selling Transportation Network Company Driver Coverage as an endorsement to its personal auto policy.

   Price

   Customadded to the personal premium

   Rideshare endorsement generally adds about 15% to 20% to the current State Farm premium

   “Our rideshare driver coverage generally adds about 15 to 20 percent to your current State Farm premium.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.6

   Ease of use (25%)

   8.8

   Best fordrivers who want a local agent and a predictable add-on cost

   State Farm is the agent-led pick and one of only three insurers on this list that publish a rideshare price. Its Transportation Network Company Driver Coverage is an endorsement to the personal car policy, and State Farm says it generally adds about 15% to 20% to the current premium, depending on coverages, discounts and other rating factors. The endorsement extends the limits and deductibles you already carry while the app is on, and liability applies while no ride request has been accepted and no paying passenger is in the car, which is the period when Uber and Lyft provide the least. If you drive for several apps, State Farm says the coverage may apply across all platforms. Claims go straight to State Farm and one of its more than 19,000 auto agents. The limits are clear too: it does not cover Uber Black or Lyft Black, and State Farm does not sell the commercial livery policy those services need.

   • ✓Publishes a cost range: about 15% to 20% on top of the current State Farm premium
   • ✓Claims handled directly by State Farm, which says it handles 28,000+ claims a day
   • ✓The State Farm app is rated 4.8 out of 5 with more than 1 million App Store reviews

   • ✕Does not cover Uber Black or Lyft Black, and State Farm does not sell commercial livery insurance
   • ✕Only available to State Farm auto policyholders, so you must move your whole car policy
   • ✕Coverage varies by state, so the exact terms depend on your agent's quote

   Endorsement name:

   Transportation Network Company Driver Coverage

   Typical cost:

   About 15% to 20% of current premium

   Black car services:

   Not covered

   Agents:

   19,000+ auto agents

   Bottom line: State Farm is the best rideshare insurer for drivers who want an agent because its endorsement generally adds only about 15% to 20% to an existing State Farm premium. Black car drivers should look at Progressive Commercial instead.

   Visit statefarm.com ↗

3. 03

   

   Allstate

   8.5/10

   National insurer whose Ride for Hire rideshare coverage protects the car while drivers wait for a request and can pay the gap between deductibles.

   Price

   Customper month

   Rideshare price not published; Pennsylvania customers who bought online paid $69 a month on average for liability only

   “Allstate customers in Pennsylvania who purchased online paid $69/month* – on average – for a liability-only auto insurance policy covering one driver and one vehicle.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.3

   Features (35%)

   8.8

   Ease of use (25%)

   8.4

   Best fordrivers who want help with Uber or Lyft deductibles

   Allstate's Ride for Hire is the strongest pick for drivers worried about the large deductibles on Uber and Lyft policies. Allstate explains it with a concrete example: if your collision deductible is $500 and the rideshare company's is $2,500, the endorsement may pay the $2,000 difference. The coverage protects your car while you wait for a ride request, and once a passenger is in the car it may also pay amounts beyond the TNC's coverage. Depending on the policy you choose, it can cover damage to your vehicle, your rider's belongings, medical expenses for you and the rider, liability and uninsured or underinsured motorists. You can start a quote online or call 866-340-2084. Allstate does not publish a Ride for Hire price, but it does publish state averages, such as $69 a month for Pennsylvania customers who bought a liability-only policy online. The catch is availability: Allstate says the product is not sold in every state.

   • ✓Deductible gap coverage addresses the high deductibles on rideshare company policies
   • ✓Coverage options include damage to a rider's belongings, which most endorsements do not mention
   • ✓Publishes state averages, such as $69 a month for Pennsylvania liability-only online buyers

   • ✕Allstate says the coverage is not available in every state
   • ✕The rideshare page does not publish a price for Ride for Hire
   • ✕Which coverages apply depends on the type of rideshare policy you buy, so check with an agent

   Product:

   Allstate Ride for Hire

   Deductible gap example:

   $500 personal vs $2,500 TNC: pays $2,000

   Quote line:

   866-340-2084

   Availability:

   Not available in every state

   Bottom line: Allstate is the best choice for drivers who fear a big Uber or Lyft deductible because Ride for Hire can pay the gap, such as $2,000 on a $2,500 TNC deductible. Confirm it is sold in your state first.

   Visit allstate.com ↗

4. 04

   

   Mercury Insurance

   8.4/10

   Regional insurer that sells a Period 1 rideshare endorsement in nine states from as little as $0.90 a day.

   Price

   Customper day, added to a Mercury auto policy

   From as little as $0.90 a day for rideshare coverage, on top of a Mercury auto policy

   “our insurance works for both, all for as little as $0.90 a day.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   9.2

   Features (35%)

   7.6

   Ease of use (25%)

   8.4

   Best forbudget drivers in California, Texas and other Mercury states

   Mercury is the price pick for drivers who live in one of its nine rideshare states: Arizona, California, Florida, Georgia, Illinois, Nevada, Oklahoma, Texas and Virginia. It is the only insurer here with a current dollar price for rideshare coverage, as little as $0.90 a day, though you must also buy a Mercury auto policy. The coverage is aimed squarely at Period 1, when the app is on but no fare has been accepted, which Mercury calls the coverage gap. Its page explains why that matters: during Period 1 the TNC liability coverage for bodily injury is capped at $50,000 per person and $100,000 per accident, with $30,000 for property damage, and these limits vary by state. Mercury covers both ride-hail and shared rides, and repairs after a covered loss go to its authorized shops. The trade-off is scope: Mercury says its endorsement does not apply after you accept a ride or while a passenger is in the car.

   • ✓Lowest published rideshare price on this list at $0.90 a day
   • ✓Clear page that lists exactly which states sell the coverage
   • ✓Explains that TNC liability in Period 1 is capped at $50,000 per person and $100,000 per accident, limits that vary by state

   • ✕Coverage stops once you accept a ride, so there is no deductible gap help in Periods 2 and 3
   • ✕Not sold in New York or New Jersey and only in nine states overall
   • ✕Requires buying a Mercury auto policy at additional cost

   Published price:

   From $0.90 a day

   Periods covered:

   Period 1 only

   States:

   AZ, CA, FL, GA, IL, NV, OK, TX, VA

   Quote line:

   (855) 965-5917

   Bottom line: Mercury is the best cheap rideshare insurance for drivers in its nine states because its coverage starts at as little as $0.90 a day. Drivers who want help in Periods 2 and 3 should compare Allstate or Plymouth Rock.

   Visit mercuryinsurance.com ↗

5. 05

   

   USAA

   8.4/10

   Member-only insurer for the military community that adds rideshare gap protection to an existing USAA auto policy.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.0

   Ease of use (25%)

   8.2

   Best formilitary members, veterans and their families

   USAA is the first quote for anyone eligible for its membership. Its rideshare gap protection is added to an existing USAA auto policy and covers the stretch that personal and app policies often leave open: after you log on to the rideshare app and before you pick up a passenger or a delivery. Once you accept a request and are driving to or with a passenger or delivery, USAA says the rideshare company should protect you, and when you are logged off your personal policy applies. You can tailor coverage limits and deductibles, and repairs are guaranteed at more than 2,900 USAA-approved locations. Because the page mentions deliveries as well as passengers, it suits drivers who mix Uber rides with food orders. The limits are eligibility and reach: only people who qualify for USAA membership can buy it, USAA says it may not be available in all states, and it does not publish a price for the add-on.

   • ✓Gap protection applies before a passenger or a delivery is picked up
   • ✓Repairs guaranteed at 2,900+ USAA-approved shops nationwide
   • ✓Attaches to an existing USAA auto policy instead of a separate policy

   • ✕Only available to people eligible for USAA membership
   • ✕USAA says it may not be available in all states
   • ✕No published price for the rideshare add-on

   Who can buy:

   Persons eligible for USAA P&C membership

   Period covered:

   Logged on and waiting for a request

   Approved repair shops:

   2,900+

   Price:

   Not published

   Bottom line: USAA is the best rideshare insurance for military families because its gap protection covers the wait before a passenger or a delivery and adds 2,900+ guaranteed repair shops. Everyone else is not eligible.

   Visit usaa.com ↗

6. 06

   

   Erie Insurance

   8.2/10

   Agent-only regional insurer that covers rideshare driving through a business use designation on the personal auto policy.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.2

   Features (35%)

   8.8

   Ease of use (25%)

   7.4

   Best fordrivers in ERIE states who want coverage in every period

   ERIE takes a different route from the endorsements on this list. Instead of a narrow Period 1 add-on, it puts a business use designation on your personal auto policy, and it says this gives coverage during every part of the trip: before, during and after the hired ride. The coverage is excess to whatever the rideshare company provides, it pays liability when there is no other coverage, and comprehensive and collision apply if you carry them on the policy. That makes it one of the broadest options for drivers worried about what the app's insurance leaves out. The trade-offs are access and transparency. You buy it only through a local ERIE agent, ERIE sells insurance only in its operating states, and the rideshare page gives no price beyond saying it does not cost a lot. Drivers who live where ERIE operates should still get the quote, because coverage in every period is rare.

   • ✓Covers every rideshare period instead of Period 1 only
   • ✓Liability applies when no other coverage is available
   • ✓Local ERIE agents explain the coverage and quote it

   • ✕Sold only through local agents, with no online rideshare quote
   • ✕Only available in the states where ERIE operates
   • ✕No published price; ERIE says only that it does not cost a lot

   How it is added:

   Business use designation on personal policy

   Periods covered:

   Before, during and after the hired ride

   Coverage type:

   Excess to other available coverage

   How to buy:

   Through a local ERIE agent

   Bottom line: Erie Insurance is the best choice for drivers in its states who want coverage before, during and after each hired ride. Buyers outside ERIE's operating states should start with Progressive or State Farm.

   Visit erieinsurance.com ↗

7. 07

   

   Plymouth Rock Assurance

   8.2/10

   Northeast insurer with a basic and an enhanced rideshare driver endorsement for part-time Uber and Lyft drivers.

   Price

   Customper month

   Estimated at launch in New Jersey (2017) at $13 a month for the basic endorsement and $40 a month for the enhanced one

   “Plymouth Rock estimates an average annual cost of $13 per month for the basic coverage, and $40 per month for the enhanced.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.3

   Features (35%)

   8.6

   Ease of use (25%)

   7.4

   Best forpart-time drivers in New Jersey, Pennsylvania and the Northeast

   Plymouth Rock gives Northeast drivers a real choice of depth. The basic rideshare driver endorsement is excess coverage that expands what the TNC provides in Period 1, while the enhanced endorsement adds excess coverage for Periods 2 and 3 and pays the difference between your personal physical damage deductible and the TNC deductible during those periods. That second tier is one of the few products here that keeps working after you accept a ride. Plymouth Rock says the coverage applies to Uber, Lyft and many other rideshare companies. When it launched the endorsements in New Jersey in October 2017, it estimated average costs of $13 a month for basic and $40 a month for enhanced; those are old figures, so treat them as a guide and get a current quote at 800-516-9242. Plymouth Rock sells auto insurance in Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania, and says rideshare availability varies by state, company and channel.

   • ✓Two tiers let part-time drivers choose between Period 1 only and all three periods
   • ✓Enhanced tier closes the deductible gap in Periods 2 and 3
   • ✓Published launch estimates of $13 and $40 a month in New Jersey

   • ✕Its price estimates date from the 2017 New Jersey launch, so current rates will differ
   • ✕Availability varies by state, company and distribution channel
   • ✕Aimed at part-time drivers; full-time drivers may need a commercial policy

   Endorsement tiers:

   Basic and enhanced

   Launch estimate (NJ, 2017):

   $13 basic, $40 enhanced per month

   Auto insurance states:

   CT, MA, NH, NJ, NY, PA

   Quote line:

   800-516-9242

   Bottom line: Plymouth Rock is the best choice for part-time Northeast drivers because its enhanced endorsement adds Periods 2 and 3 and covers the TNC deductible gap. Confirm it is offered in your state before you rely on it.

   Visit plymouthrock.com ↗

8. 08

   

   American Family Insurance

   8.0/10

   Midwest-rooted insurer with 12 million customers in 19 states that sells a rideshare add-on online or through agents.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.8

   Features (35%)

   8.0

   Ease of use (25%)

   8.4

   Best forcurrent American Family customers in its 19 states

   American Family is the easiest regional option to add online. Its rideshare insurance is an add-on to an existing American Family auto policy that fills the gap between personal coverage and the rideshare company's insurance, and the company says you can quickly add it to an existing policy, with quotes online or through an agent. Its examples are concrete: if you crash while the app is on and you are waiting for a request, your collision coverage can repair your car up to your limits no matter who is at fault, property damage liability pays for the other driver's repairs, and medical expense coverage on the policy can help with your bills. American Family also notes that rideshare companies typically give no comprehensive or collision coverage for your car in Stage 1, which is exactly what this add-on addresses. It says it has 12 million customers across 19 states. The downsides are reach and transparency: there is no published price, and the page focuses on the waiting period rather than trips with a passenger.

   • ✓Added to an existing policy, with quotes online or through an agent
   • ✓Collision and property damage liability extend to the app-on waiting period
   • ✓12 million customers and more than 90 years in business

   • ✕Sold in 19 states only
   • ✕No published price for the add-on
   • ✕Coverage is described for the waiting period, not for trips with a passenger

   Customers:

   12 million

   States:

   19

   Period covered:

   App on, waiting for a ride request

   Phone:

   1-800-MYAMFAM

   Bottom line: American Family Insurance is a good choice for drivers in its 19 states because its add-on extends collision and liability to the app-on waiting period and attaches to an existing policy. Drivers elsewhere should start with Progressive.

   Visit amfam.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.