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What is rideshare coverage?

Using your personal car as a rideshare driver Transportation Network Companies (TNCs) such as Uber or Lyft may require additional protection they don’t provide. As a State Farm® Auto Insurance policyholder, you can extend your coverage.footnote 1

What rideshare driver insurance covers

Our additional rideshare driver coverage simply extends the coverage that you already have on your personal State Farm Auto policy. It also provides protection on top of the coverage maintained on your behalf by the TNC like Uber or Lyft.

You may receive the protection offered from your personal auto policy, including the limits and deductibles. Liability coverage is only extended while on the app so long as no ride request has been accepted and no person is occupying the vehicle for a charge.

If you ever need to file a claim for a covered loss, you’ll work with folks you already know. You’ll deal directly with State Farm.

What does rideshare driver coverage cost?

Our rideshare driver coverage generally adds about 15 to 20 percent to your current State Farm premium. But that depends on the coverages you've chosen for your personal auto policy, any discounts that may apply, and other rating factors. It's a simple way to extend the limits and deductibles from your personal auto policy to cover you while you are driving for a TNC (some state-specific requirements may apply).

Coverage in action

Let’s say your TNC app is on and you’re en route to pick up a passenger. Another vehicle smacks into you at the light. Rideshare coverage would help pay for damage to your car.

When does rideshare driver coverage apply?™footnote 2

Think about time periods. Our rideshare coverage may help protect you from the time you turn your app on until you deliver your passenger.

Liability to others
Damage to your carfootnote 3
Medical coveragefootnote 4
Available for hire

You have the rideshare app on but are not yet connected with a paying customer.
Matched with rider

You’ve connected with a customer and are heading to pick them up.
Transporting

A paying passenger is in the car with you, driving to their destination.
Liability to others
Damage to your carfootnote 3
Medical coveragefootnote 4
Available for hire

You have the rideshare app on but are not yet connected with a paying customer.
Matched with rider

You’ve connected with a customer and are heading to pick them up.
Transporting

A paying passenger is in the car with you, driving to their destination.
Liability to others
Damage to your carfootnote 3
Medical coveragefootnote 4
Available for hire

You have the rideshare app on but are not yet connected with a paying customer.
Matched with rider

You’ve connected with a customer and are heading to pick them up.
Transporting

A paying passenger is in the car with you, driving to their destination.
Liability to others
Damage to your carfootnote 3
Medical coveragefootnote 4
Available for hire

You have the rideshare app on but are not yet connected with a paying customer.
Matched with rider

You’ve connected with a customer and are heading to pick them up.
Transporting

A paying passenger is in the car with you, driving to their destination.

Frequently asked questions about rideshare coverage

Transportation Network Companies (TNC) — individuals use their personal vehicles to provide rides to people through an online application. Generally, the insurance policy issued to the vehicle owner does not provide coverage while providing rides to people through a TNC.

Car Sharing/Personal Car Sharing/Peer-to-Peer Car Sharing — known by several names — is an online platform where individuals can rent their personal vehicle to other users through the platform. Generally, your insurance will not provide coverage when you rent your vehicle to others.

Most states require the TNC to provide insurance coverage while a person authorized as a driver on the TNC platform is providing transportation to a person who has requested a ride through the platform. Some personal insurance policies do not provide coverage. State Farm offers Transportation Network Company Driver Coverage as an endorsement to your personal car policy. With this endorsement, some of the coverages you carry may be applied while you drive for a TNC.

No, Instacart is a delivery network platform.

In terms of availability, cost and coverage, State Farm is an attractive insurance option if you’re delivering food or other goods for Uber Eats, DoorDash, or similar services, and not carrying passengers like Uber or Lyft. It might be as easy as contacting your State Farm agent about adding a business-use notation to your policy..

It depends on your vehicle’s insurance company.

With rideshare coverage, you choose whether you have a deductible and how much it is.

  • A deductible is the amount you agree to pay up front when you make an insurance claim.
  • Higher deductibles lower your premium but increase how much you must pay out of your own pocket if a loss occurs.

Get a local agent who gets you

There’s a State Farm agent ready to offer personalized service to fit your specific needs.

Related insurance coverages

Simple Insights®

Looking for more on electric vehicles? You’ve come to the right place. Articles from Simple Insights draw on 100 years of State Farm knowledge.

1 Our endorsement is called Transportation Network Company Driver Coverage except in D.C. which is Private Vehicle-For-Hire Company Operator Coverage.

2 Coverage varies by state. State Farm Rideshare Driver Coverage is the same as the 6015 TNC endorsement.

3 Physical damage coverages of comprehensive and collision, and Rental and Emergency Road Service coverage apply if you selected these options on your personal auto policy.

4 Medical coverage applies if you selected this option on your personal auto policy.

Uber is a registered trademark of Uber Technologies, Inc.

Lyft is a registered trademark of Lyft, Inc.

This is a general description of coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverages and their availability may vary by state. For further information, please see a State Farm agent.

Each State Farm insurer has sole financial responsibility for its own products.

State Farm Mutual Automobile Insurance Company 
State Farm Indemnity Company (Licensed in NJ)
Bloomington, IL

State Farm County Mutual Insurance Company of Texas (Licensed in TX)
Richardson, TX