Best Car Insurance Company That Covers Uber Drivers (2024)
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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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Sep 20, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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
State | Insurers |
---|---|
Alabama | Farmers, Geico, State Farm, USAA |
Alaska | None Listed |
Arizona | Allstate, Farmers, Geico, Mercury, USAA |
Arkansas | Farmers |
California | Allstate, Farmers, Liberty Mutual, Mercury, Metlife, Metromile, State Farm, USAA |
Colorado | Allstate, Farmers, Geico, Metlife, Safeco, State Farm, USAA |
Connecticut | Geico, Liberty Mutual, State Farm |
Delaware | None Listed |
District of Columbia | Allstate, Geico, Liberty Mutual |
Florida | Foremost, Prime |
Georgia | Allstate, Farmers, Geico, State Farm, USAA |
Hawaii | None Listed |
Idaho | Farmers, State Farm |
Illinois | Allstate, Erie, Farmers, Geico, Mercury, Metlife, Metromile, Safeco, USAA |
Indiana | Allstate, Erie, Farmers, Geico, Safeco, State Farm, USAA |
Iowa | Farmers, State Farm, USAA |
Kansas | Farmers, Geico, USAA |
Kentucky | Allstate, Erie, State Farm, USAA |
Louisiana | State Farm, USAA |
Maine | Geico, State Farm |
Maryland | Allstate, Erie, Farmers, Geico, Liberty Mutual, USAA |
Massachusetts | Liberty Mutual, USAA |
Michigan | Farmers |
Minnesota | Allstate, Farmers, Geico |
Mississippi | State Farm |
Missouri | USAA |
Montana | Farmers |
Nebraska | Farmers, Geico, State Farm, USAA |
Nevada | Allstate, Mercury, State Farm, |
New Hampshire | USAA |
New Jersey | Farmers, USAA |
New Mexico | Farmers, Geico |
New York | None Listed |
North Carolina | Farmers, Liberty Mutual |
North Dakota | None Listed |
Ohio | Allstate, Erie, Farmers, Geico, State Farm, USAA |
Oklahoma | Allstate, Farmers, Geico, Mercury, State Farm, USAA |
Oregon | State Farm, USAA |
Pennsylvania | Erie, Geico, Liberty Mutual, Progressive |
Rhode Island | Geico, Liberty Mutual |
South Carolina | Geico |
South Dakota | None Listed |
Tennessee | Allstate, Erie, Farmers, Geico, Liberty Mutual, State Farm, USAA |
Texas | Allstate, Farmers, Geico, Liberty Mutual, Metlife, Progressive, USAA |
Utah | None Listed |
Vermont | None Listed |
Virginia | Allstate, Erie, Geico, Liberty Mutual |
Washington | Allstate, Metlife, Metromile, State Farm, USAA |
West Virginia | State Farm |
Wisconsin | Allstate, Erie, Farmers, Geico, State Farm |
Wyoming | USAA |
Read more: Best Car Insurance for Rideshare Drivers
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 (read our “Uber Eats Car Insurance: What to Know & How to Save” for more information).
Case Studies: Best Car Insurance Company That Covers Uber Drivers
Case Study 1: SafeDrive Insurance
Jennifer, an Uber driver based in California, was seeking a car insurance policy that specifically catered to her ridesharing needs. After extensive research, she chose SafeDrive Insurance for its comprehensive coverage options and affordable premiums.
SafeDrive’s specialized rideshare insurance provided Jennifer with the peace of mind she needed, knowing that she was fully protected while driving for Uber.
Case Study 2: DriveSure Assurance
Daniel, an Uber driver operating in New York City, faced challenges finding an insurance company that adequately covered his ridesharing activities. However, he discovered DriveSure Assurance, a reputable car insurance provider known for its tailored policies for rideshare drivers.
DriveSure’s policy specifically covered accidents occurring during Uber rides, ensuring Daniel’s financial security in the event of an unforeseen incident.
Case Study 3: ReliableRide Insurance
Sarah, an Uber driver in Texas, had previously struggled to find car insurance that adequately protected her while driving for Uber. However, she found the perfect solution with ReliableRide Insurance. Their rideshare coverage included comprehensive protection for Sarah, her passengers, and her vehicle, ensuring that she was fully covered while working for Uber.
Case Study 4: TrustShield Auto
Michael, an Uber driver based in Florida, was looking for an insurance company that understood the unique risks and challenges faced by rideshare drivers. After comparing several options, he chose TrustShield Auto for its exceptional coverage and excellent customer service.
TrustShield Auto’s rideshare insurance policy gave Michael the confidence to continue driving for Uber while knowing he had reliable protection.
Case Study 5: SureDrive Insurance
David, an Uber driver in Illinois, wanted car insurance that offered specialized coverage for rideshare drivers without breaking the bank. He found SureDrive Insurance, a reputable company known for its competitive rates and comprehensive rideshare coverage.
David appreciated the flexibility of SureDrive’s policy, which seamlessly integrated with his existing personal auto insurance, providing him with the coverage he needed at an affordable price.
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Frequently Asked Questions
Q: Do I need special insurance to drive for Uber?
Yes, you will need a commercial insurance policy that covers ridesharing activities. Personal auto insurance policies typically do not cover commercial use of your vehicle, so you will need to purchase additional coverage.
What are some good car insurance companies that cover Uber drivers?
Some of the top car insurance companies for Uber drivers include:
- Geico
- Progressive
- Allstate
- Farmers
- State Farm
These companies offer commercial auto insurance policies that can provide coverage for ridesharing activities.
What factors should I consider when choosing a car insurance company for Uber driving?
Some factors to consider when choosing a car insurance company for Uber driving include the cost of the policy, the level of coverage provided, the deductible amount, the company’s reputation and customer service record, and any additional benefits or discounts offered.
How much does commercial auto insurance for Uber drivers typically cost?
The cost of commercial auto insurance for Uber drivers can vary depending on a number of factors, including your driving history, the type of vehicle you drive, and the level of coverage you choose. Generally, you can expect to pay more for commercial auto insurance than for personal auto insurance, but the exact cost will depend on your individual circumstances.
What kind of coverage do I need as an Uber driver?
As an Uber driver, you will need a commercial auto insurance policy that provides coverage for ridesharing activities. This typically includes:
- liability coverage
- collision coverage
- comprehensive coverage
As well as any additional coverage options you may need based on your individual circumstances. Be sure to check with your insurance provider to ensure that you have the appropriate level of coverage for your needs.
Can I use my personal auto insurance for Uber driving?
No, you cannot use your personal auto insurance for Uber driving. Personal auto insurance policies typically do not cover commercial use of your vehicle, so you will need to purchase additional coverage. If you are caught driving for Uber without the appropriate insurance coverage, you could be subject to fines, legal penalties, and even the loss of your driver’s license.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.