Best Car Insurance Companies That Accept Uber (2022)

GEICO rideshare insurance is one of the top car insurance companies that cover Uber drivers. Progressive, Allstate, and Farmers also provide insurance for drivers who work for rideshare companies. While Uber has its own car insurance coverage, you should also buy a policy of your own if you decide to drive for the company. Getting a quote to compare auto insurance companies that cover Uber is the best way to find the most affordable car insurance rates.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • Progressive, GEICO, and other car insurance companies will cover Uber drivers
  • You should tell your auto insurance provider if you plan to work for Uber as a driver
  • It’s almost certain that you’ll need extra car insurance over and above your current policy to do ridesharing since the majority of car insurance plans do provide not coverage options for this
  • You’ll also need to find out the current regulations that Uber has in place relating to its drivers and car insurance

If you’re starting as an Uber driver, you’ve got to get some things in place first. One of the most important steps is to compare car insurance carriers that cover Uber.

But do you really need to buy a new auto policy if you already have car insurance? What about Uber’s own $1 million auto insurance coverage, will that be enough?

This guide will help you answer these questions and more so that you can get on the road with confidence.

You don’t have to wait to find auto insurance quotes from car insurance companies that cover Uber. Simply enter your ZIP code into our free tool above to compare quotes from local providers.

What are the best companies for Uber car insurance?

Ridesharing is a new concept that’s become more and more popular, so several insurance companies are now offering coverage options for people that are rideshare drivers.

Here are the car insurance companies that provide rideshare insurance for Uber and other rideshare companies by state:

Ridesharing Insurer Coverage Availability by State
StateInsurers
AlabamaFarmers, Geico, State Farm, USAA
AlaskaNone Listed
ArizonaAllstate, Farmers, Geico, Mercury, USAA
ArkansasFarmers
CaliforniaAllstate, Farmers, Liberty Mutual, Mercury, Metlife, Metromile, State Farm, USAA
ColoradoAllstate, Farmers, Geico, Metlife, Safeco, State Farm, USAA
ConnecticutGeico, Liberty Mutual, State Farm
DelawareNone Listed
District of ColumbiaAllstate, Geico, Liberty Mutual
FloridaForemost, Prime
GeorgiaAllstate, Farmers, Geico, State Farm, USAA
HawaiiNone Listed
IdahoFarmers, State Farm
IllinoisAllstate, Erie, Farmers, Geico, Mercury, Metlife, Metromile, Safeco, USAA
IndianaAllstate, Erie, Farmers, Geico, Safeco, State Farm, USAA
IowaFarmers, State Farm, USAA
KansasFarmers, Geico, USAA
KentuckyAllstate, Erie, State Farm, USAA
LouisianaState Farm, USAA
MaineGeico, State Farm
MarylandAllstate, Erie, Farmers, Geico, Liberty Mutual, USAA
MassachusettsLiberty Mutual, USAA
MichiganFarmers
MinnesotaAllstate, Farmers, Geico
MississippiState Farm
MissouriUSAA
MontanaFarmers
NebraskaFarmers, Geico, State Farm, USAA
NevadaAllstate, Mercury, State Farm,
New HampshireUSAA
New JerseyFarmers, USAA
New MexicoFarmers, Geico
New YorkNone Listed
North CarolinaFarmers, Liberty Mutual
North DakotaNone Listed
OhioAllstate, Erie, Farmers, Geico, State Farm, USAA
OklahomaAllstate, Farmers, Geico, Mercury, State Farm, USAA
OregonState Farm, USAA
PennsylvaniaErie, Geico, Liberty Mutual, Progressive
Rhode IslandGeico, Liberty Mutual
South CarolinaGeico
South DakotaNone Listed
TennesseeAllstate, Erie, Farmers, Geico, Liberty Mutual, State Farm, USAA
TexasAllstate, Farmers, Geico, Liberty Mutual, Metlife, Progressive, USAA
UtahNone Listed
VermontNone Listed
VirginiaAllstate, Erie, Geico, Liberty Mutual
WashingtonAllstate, Metlife, Metromile, State Farm, USAA
West VirginiaState Farm
WisconsinAllstate, Erie, Farmers, Geico, State Farm
WyomingUSAA
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GEICO and Allstate are known for their coverage of Uber drivers and also provide coverage in many states across the country. You can read GEICO insurance reviews to see which company may be best for you.

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What does Uber insurance cover?

Your current plan may offer some coverage if you decide to drive for Uber or any other ridesharing service. While it’s up to you to inform or not inform your insurer that you are a rideshare driver, it’s always best to be honest with your insurance company.

Uber advertises itself as having a $1 million insurance policy. What that means in practice isn’t so simple.

Uber’s insurance will only cover you as a driver when the app is on, and it is just basic liability insurance. When carrying a passenger, a higher level of coverage will be active until the ride is over. When the app is off, your own insurance is active.

How much is car insurance for ridesharing with Uber?

Uber drivers and passengers need to be covered by insurance and it doesn’t have to cost much like a standard auto policy. There are definitely affordable options worth considering, and in the event of an accident, you don’t want to be uninsured or underinsured. Be sure to inquire about any additional coverage, insurance discounts, and other things that can help to lower your auto insurance rates. 

If you lie to your insurance provider about your Uber driving, you risk losing your entire policy. There are also car insurance companies that don’t cover Uber, so take a look at your current policy to see if you’re covered. If not, you may need to buy car insurance from an auto insurance company that covers Uber drivers. 

The best thing to do is to enter your ZIP code below if you’re ready to find car insurance companies that cover Uber car insurance near you. Our free tool will get you quotes from affordable car insurance companies in your neighborhood today.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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