Cheap Rideshare Auto Insurance in 2025 [Lowest Rates With These 10 Companies]

USAA, State Farm, and Geico offer cheap rideshare auto insurance. USAA is the top pick for its military perks. State Farm has great coverage options, while Geico offers affordable rates.

If you drive for a rideshare app or other side gigs, you may have a coverage gap. Rideshare insurance could help you make sure you have enough accident coverage before it’s too late.

Read more: What does car insurance cover?

Our Top 10 Company Picks: Cheap Rideshare Car Insurance

Some companies might provide their rideshare drivers with some coverage. Others leave it up to the individual drivers to get all the insurance they need.

If you need help searching for affordable rideshare insurance, enter your ZIP code into our free quote comparison tool.

#1 – USAA: Top Overall Pick

Pros

• Best Overall Value: USAA provides top-rated cheap rideshare car insurance with substantial benefits at just $90 monthly.
• Exclusive Military Discounts: It offers unique savings on rideshare coverage for military members and their families.
• Excellent Customer Service: USAA is known for high customer satisfaction and responsive claims handling for rideshare drivers.

Cons

• Membership Restrictions: USAA’s cheap rideshare auto insurance is only available to military members and their families. Our USAA car insurance review provides more details.
• Limited Availability: USAA doesn’t offer coverage to the general public, limiting access to its affordable rideshare insurance.

#2 – State Farm: Best for Extensive Coverage

Pros

• Comprehensive Coverage Choices: State Farm offers extensive rideshare auto insurance coverage at $95 monthly.
• Strong Customer Support: Rideshare drivers love State Farm’s helpful customer service and easy claims process. Check out our State Farm car insurance review to learn more.
• Multi-Policy Savings: State Farm provides discounts for bundling rideshare auto insurance with home or other policies.

Cons

• Limited Multi-Policy Discounts: The savings for bundling rideshare insurance may not be as high as some competitors.
• Full Coverage Costs More: While minimum rates are competitive, full coverage for rideshare auto insurance can be costly.

#3 – Geico: Best for Affordable Rates

Pros

• User-Friendly Online Tools: Geico offers easy online quotes and policy management for rideshare auto insurance. For more details, explore our Geico car insurance review.
• Good Discount Opportunities: Rideshare drivers can access multiple discounts to lower their rideshare auto insurance costs.
• Lowest Monthly Pricing: Geico offers some of the cheapest rideshare auto insurance rates, starting at just $97 per month for minimum coverage.

Cons

• Limited Customization: Geico’s rideshare auto insurance policies may not offer as many add-ons as other providers.
• Customer Service Varies: Some policyholders report mixed experiences with claims and support for rideshare coverage.

#4 – Progressive: Best for Customizable Plans

Pros

• Flexible Coverage Options: Progressive allows drivers to tailor their rideshare auto insurance, with minimum coverage rates starting at $100 per month.
• Intense Claims Process: Rideshare drivers benefit from a quick and efficient claims-handling process. Want more info? Read our Progressive car insurance review.
• Snapshot Discount Program: Progressive rewards safe drivers with lower rideshare auto insurance premiums.

Cons

• Higher Base Rates: Progressive’s base rates for rideshare auto insurance are higher than those of its competitors.
• Limited Local Agents: Some areas have fewer in-person agents for personalized rideshare auto insurance assistance and support.

#5 – Farmers: Best for Flexible Add-Ons

Pros

• Flexible Coverage: Farmers lets drivers add extra options to build a rideshare plan that works for them, starting at just $102 monthly for minimum coverage.
• Accident Forgiveness: Farmers won’t always raise their rates, thanks to their accident forgiveness program.
• Trusted Name: Farmers has been around for years, offering reliable and budget-friendly rideshare insurance. Visit our Farmers car insurance review for more details.

Cons

• Pricier Than Some Competitors: Farmers’ rideshare auto insurance rates are slightly higher than top budget providers.
• Discounts May Vary: Savings and deals for rideshare auto insurance depend on location and eligibility.

#6 – Nationwide: Best for Innovative Programs

Pros

• SmartRide Program: Nationwide offers a telematics program to lower rideshare auto insurance costs, with rates from $108 per month for minimum coverage.
• Strong Bundling Discounts: Policyholders can save money by bundling auto, home, and rideshare insurance for extra savings.
• Vanishing Deductible: Safe drivers can gradually reduce their deductible over time with consistent, responsible driving habits.

Cons

• Not the Cheapest Option: Nationwide’s starting rates for rideshare coverage are higher than some competitors.
• Mixed Customer Reviews: According to Nationwide car insurance reviews, some policyholders report inconsistencies in claims handling.

#7 – Mercury: Best for Budget-Friendly

Pros

• Competitive Pricing: Mercury keeps rideshare auto insurance rates affordable, starting at $110 monthly for minimum coverage.
• Multi-Car Discount: Rideshare drivers with multiple vehicles can get extra savings, making coverage budget-friendly. Learn more about its discounts in this Mercury car insurance review.
• Efficient Claims Process: Mercury is known for fast and hassle-free claims processing, helping drivers get back on the road quickly.

Cons

• Fewer Discounts Available: Mercury doesn’t have as many discounts as bigger insurance companies, so there might be fewer ways to save.
• Limited Availability: Mercury’s rideshare auto insurance is not available in all states, making options more restricted for some drivers.

#8 – Liberty Mutual: Best for Budget-Friendly

Pros

• Affordable Policies: Liberty Mutual offers cheap rideshare auto insurance with rates from $112 per month for minimum coverage.
• New Car Replacement: This coverage fully replaces newer rideshare vehicles if they are totaled in an accident.
• Accident Forgiveness: This feature helps drivers avoid higher rates after their first accident.

Cons

• Higher Full Coverage Premiums: Liberty Mutual’s full coverage options can be more expensive. Learn more about their rates in this Liberty Mutual car insurance review.
• Discount Eligibility Varies: Some great discounts for rideshare auto insurance often depend on your specific location, insurance provider, vehicle type, and coverage options.

#9 – Allstate: Best for Comprehensive Options

Pros

• Extensive Coverage Choices: Allstate offers strong policy options for rideshare auto insurance, with minimum coverage starting at $115 per month.
• Safe Driving Discounts: Allstate rewards responsible drivers with lower rates, helping them save more money over time. Find out more in this Allstate car insurance review.
• Claim Satisfaction Guarantee: Ensures a smooth claims process with customer support guarantees, making stressful situations much easier.

Cons

• Higher Costs: Allstate’s rideshare auto insurance rates tend to be on the higher side.
• Limited Availability of Coverage: Not all policies include full rideshare protection for every location or driver.

#10 – Erie: Best for High Satisfaction

Pros

• Highly Rated Service: Erie is known for excellent customer service for rideshare drivers.
• Rate Lock Option: Erie offers a rate lock feature to stabilize premiums. Erie car insurance review covers more information.
• Substantial Policy Customization: Erie allows drivers to personalize cheap rideshare auto insurance to fit their needs.

Cons

• Limited State Availability: Erie’s rideshare auto insurance is only available in certain states, so check before applying.
• Not the Cheapest Option: Erie’s rates are higher than many competitors offering budget-friendly policies.

Rideshare Insurance Explained

There are various types of insurance coverage options, such as collision coverage, personal injury protection, bodily injury liability coverage, underinsured motorist coverage, comprehensive coverage, and rideshare gap protection.

Rideshare Car Insurance Monthly Rates by Provider & Coverage Level

Rideshare insurance offers coverage for those who use their personal vehicle to earn money, whether that is through a transportation app such as Lyft or Uber or a delivery service such as GrubHub, with potential discounts available.

Car Insurance Discounts From the Top Rideshare Providers

Some of these ridesharing apps and other delivery app employers have a commercial policy that provides some coverage for their drivers. For example, Uber drivers have coverage based on whether they’re logged into the app, waiting for an assignment, or have accepted a job. (To find out more about Uber insurance, you can contact Uber driver support by clicking Help on the driver app.)

However, many of these commercial policies leave gaps between their coverage and your personal auto insurance for rideshare companies, which can lead to financial risks and uncovered claims. It’s important to find the right insurance for rideshare companies to stay protected.

However, many of these commercial policies leave gaps between their coverage and your personal car insurance. One of the best reasons for auto insurance is accident preparedness.

Buying rideshare insurance is a crucial step in accident preparedness for rideshare and delivery drivers. It’s also important to report your work activities to your personal insurer so that they won’t cancel your car insurance policy. If for nothing else, it provides peace of mind and closes gaps in your personal policy that could cause issues later on.

Rideshare Insurance Costs for Drivers

Rideshare insurance rates will depend on the company you choose, what kind of policy you buy, and how much rideshare coverage you’ll have. Car insurance quotes, tips, and savings can help you compare options. It isn’t as much as a full commercial policy, but it is an add-on.

Many large insurance companies offer standard rideshare insurance now. So let’s look at some of the estimated monthly costs associated with ridesharing drive insurance.

Example Rideshare Insurance Rates

If you purchase rideshare insurance from your auto insurance provider, you may pay less than if you were to buy a separate policy. As you can see, many add-ons can be extremely reasonable with a personal auto insurance policy. However, if rideshare insurance is not available in your area, you may need to buy your own commercial insurance policy, which can be more expensive.

You can receive car insurance quotes for Uber drivers by researching the companies that offer this coverage for drivers and using online quote tools, such as the one below.

The Best Way to Secure a Rideshare Policy

The easiest place to purchase rideshare insurance is your auto insurance company. However, if they don’t offer it, you may have to buy a hybrid policy from another company. When you get a quote, you can compare the price to switch your personal policy as well and see how it balances out.

You should let your personal insurance company know that you are driving for rideshare apps or making deliveries to earn money. They may be able to quote you for rideshare and commercial auto insurance so you can compare auto insurance premiums.

You should also learn more about the rideshare auto insurance Arizona offers through the rideshare company you drive for. Understanding the coverage gaps between the policies can help you choose a rideshare coverage that will protect you in case of an accident.

Read more: How Much Insurance Do I Need for My Car?

Reliable Rideshare Coverage From Trusted Companies

Some well-known ride-sharing companies include Geico, Mercury Insurance, State Farm, Allstate, and Progressive. These companies provide coverage that fills the gaps when driving for Uber, Lyft, or other ride-sharing services. Having the right insurance means you’re protected, whether waiting for a ride request or driving a passenger.

If you’re unsure if your insurance company covers rideshare driving, check their website or call them quickly. Many companies let you manage your policy online, so adding coverage or getting a quote is simple. It’s a good idea to double-check what’s included in your policy so you’re not caught off guard if something happens.

Stuck trying to choose the right coverage? Call State Farm. pic.twitter.com/rwojdNXjFa

— State Farm (@StateFarm) May 7, 2024

The right insurance keeps you covered while you’re on the road. Without it, you could pay out of pocket for damages or injuries. A good rideshare policy gives you peace of mind so you can focus on driving without worrying about gaps in coverage.

Read more: Car Insurance Rates by State

Understanding Policy Options for Rideshare Companies

Understanding policy options for rideshare companies is important for drivers who want the right protection. Regular auto insurance does not cover accidents that happen while driving for a rideshare company.

That’s why physicians and drivers need a special policy that covers both personal and rideshare use. Without the right coverage, physicians and drivers could face big expenses if something goes wrong.

Many rideshare companies offer some insurance, but it may not be enough. Their coverage often only applies in certain situations, like when a physician or driver has a passenger or is on the way to pick one up, so Mercury rideshare insurance can help fill the gaps.

During other times, there may be little or no coverage. That’s why physicians and drivers need a personal rideshare policy to fill the gaps. This kind of policy makes sure they are covered at all times, even between rides.

Read more: How Car Insurance Works

Case Studies: Affordable Rideshare Insurance That Works

Getting the right rideshare insurance makes a big difference for drivers. Here are three drivers who found affordable plans that fit their needs, gave them good coverage, and helped them drive with peace of mind.

Case Study 1: USA’s Best Overall Value for Military Drivers

David, a veteran, wanted the best mix of price, service, and benefits for his needs. USAA’s low rates and exclusive military benefits perfectly fit his rideshare insurance policy and long-term savings. Read more: What You Should Know About Country Financial

Case Study 2: Saving Money with Geico’s Low Rates

Jake drives for a rideshare company part-time, so he needed a policy that fit his budget but still gave him good coverage. Geico’s rates start at $90 a month, which gives him the protection he needs without paying for extras he doesn’t want.

Case Study 3: State Farm’s Extensive Coverage for Extra Protection

Maria drives full-time and wanted strong coverage that protected her during work and personal trips. State Farm’s rideshare policy covered both personal and work use, giving her peace of mind on the road every single day.

The right insurance company depends on how you drive, your budget, and what kind of coverage you need. Looking at different options can help you find the best rideshare coverage for the best price.

Choosing the Best Rideshare Insurance for Your Needs

Choosing cheap rideshare auto insurance is essential for staying covered without overpaying. USAA, State Farm, and Geico offer great options based on price, coverage, and reliability. Each company has benefits that fit different driver needs.

Before picking a policy, compare rates and coverage options to find the best fit. Consider how often you drive, your budget, and any extra protection you need. A good policy should balance cost and coverage without leaving gaps. (Read more: Cheap Full Coverage Car Insurance)

Take the time to research and choose wisely. Need help finding rideshare insurance policies? Enter your ZIP code into our free quote comparison tool to compare rates today.