Typically, standard personal car insurance policies do not provide coverage while you are actively engaged in driving for a rideshare service or a transportation network company (TNC). Although companies like Uber and Lyft offer some insurance coverage during specific trip phases, having your own auto insurance policy with rideshare coverage can offer more comprehensive protection.
While some drivers may consider commercial auto insurance, it’s not the ideal choice for everyone due to its higher cost. Fortunately, many auto insurance companies offer rideshare drivers the option to add a rideshare endorsement to their personal auto insurance policies, ensuring adequate coverage for specific scenarios.
If you’re a rideshare driver looking for insurance coverage tailored to your specific needs, we’ve evaluated the leading insurance companies offering rideshare endorsements.
#1 Progressive
Cost
The best way to determine your exact costs is to request a personalized quote.
Policy Highlights
Progressive provides a variety of insurance lines that allow for bundling, along with user-friendly tools to help you manage your coverage within your budget.
Who’s it for? Progressive offers a rideshare endorsement for auto insurance policies, providing competitive rates based on the sample data we’ve analyzed. If you’re interested in commercial coverage, Progressive also offers this product and was recognized as one of our top choices for commercial auto insurance in CNBC Select’s roundup of the best small business insurance policies.
Notable Benefits: Progressive boasts a high financial strength rating from A.M. Best (A+) and receives relatively positive customer satisfaction ratings according to J.D. Power’s Auto Insurance Customer Satisfaction Survey.
Progressive’s rideshare coverage is available as an endorsement to your personal auto insurance policy and is a solid choice for those seeking a balance between affordability and quality customer service. The company specifically mandates this endorsement for all customers engaging in rideshare driving.
Customer Satisfaction Rating (J.D. Power’s Auto Insurance Customer Satisfaction Survey):
811 out of 1,000
A.M. Best Financial Strength Rating:
A+