Best rideshare insurance companies 2025

Written by: Taylor Medine
• Updated •2 min read
This date may not reflect recent changes in individual terms.
Professional woman sitting in the backseat of a car, looking out the window.Image: Professional woman sitting in the backseat of a car, looking out the window.

In a Nutshell

Rideshare car insurance often works as an endorsement or add-on to your personal auto insurance policy, filling gaps in coverage provided by rideshare companies. We rank our picks for the best rideshare car insurance based on coverage options, discounts and customer service.
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Rideshare companies, like Uber and Lyft, provide driver insurance that offers the most coverage when you’re on the way to pick up a customer and when they’re in your car. While waiting to accept a ride, you may have liability-only coverage that provides no protection for your vehicle.

To fill in coverage gaps, rideshare insurance is a type of coverage that may be added to your personal auto policy as an endorsement (also known as a “rider”). Although it may not be required, the extra coverage can give you peace of mind and lower your out-of-pocket costs if you get into an accident.

FAQs about rideshare insurance

What insurance do Uber drivers have?

Uber provides rideshare insurance to drivers. The type and amount of coverage depends on which of the following two categories you fall into at the time of the accident. 

● While waiting for a ride request, Uber offers bodily injury and property damage protection that covers the other party in the accident (not you or your vehicle).
● While en route to pick up a rider and during trips, drivers get third-party liability coverage and uninsured/underinsured motorist coverage. Plus, your car may be protected by comprehensive and collision coverage up to the value of your car with a $2,500 deductible.

Does rideshare insurance cover Instacart?

Rideshare car insurance might cover you when driving for a delivery service like Instacart, Grubhub or DoorDash, but you should check with your insurance agent and read through your policy to confirm the coverage.

How we picked these insurers

We looked at insurance companies that provide rideshare protection and ranked them by coverage options, discount opportunities, availability and customer satisfaction scores.

About the author: Taylor Medine is a freelance writer who’s covered all things personal finance for the past seven years. She enjoys writing financial product reviews and guides on budgeting, saving, repaying debt and building credit. … Read more.