Rideshare Insurance
Whether you drive for an app, as a black car or a community taxi, the policy you need depends on where you operate. We’ll help you make the best choices for your state and driving model.
Why does your business need it?
- Personal auto insurance doesn’t cover ridesharing
- The rideshare company’s coverage has gaps
- You may be liable for losses occurring between rides
- Food and other deliveries require special coverage
What does our coverage do?
- Pays for property damage or injuries to others
- Covers your own vehicle in case of collisions
- Pays for your medical bills if you are injured
- Provides you with personal injury protection
Get covered whenever you drive.
Using your personal vehicle as an independent ridesharing contractor creates different insurance needs at different times. Your local agent will help you understand the nuances.
Talk to an agent
Off the clock
If you’re not logged in to your rideshare’s company app, you’re covered by your personal auto policy.
Logged in and waiting
Once you’re logged in, you’re using your vehicle for business. That means you might not be covered by your personal policy.
On the way to the pickup
When you’re on the way to pick up a rider, you should be insured by the rideshare company—but it’s important to know exactly how much.
Providing a ride
With a rider in your vehicle, you should have company coverage, but it may still be limited.
Our rideshare insurance options include
Liability
Covers injuries or property damage not fully covered by the rideshare company.
Collision
Helps pay for repairs if your vehicle is damaged in a collision or an incident like a natural disaster.
Comprehensive
Adds non-collision incidents like theft, vandalism and more to your policy.
Personal Injury
Helps pay for medical bills if you are injured on the job.
Numbers to know
Rideshare accidents
73%
more likely to be in an accident than non-rideshare drivers. (Insurify, 2025)
Crash frequency
1 in 3
rideshare drivers reported being in a work-related crash. (ScienceDirect, 2024)
