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 to fill those gaps.footnote 1 This can help protect you through the ride-sharing process, from activating the app to when a ride request has been accepted.

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 in addition to the coverage maintained on your behalf by the TNC like Uber or Lyft. This does not include black car services (such as Uber Black or Lyft Black Car Fleet), which require commercial livery insurance that State Farm does not offer.

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).

Why choose State Farm for rideshare coverage?

We do this every day

On average, we handle 28,000+ claims daily.

We’re here 24/7/365

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We’re bringing over 100 years of experience to help you recover from the unexpected.

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Across the nation, State Farm has over 19,000 auto insurance agents dedicated to providing you with personalized service. Reach out to one near you.

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Did you know State Farm is committed to cutting its greenhouse emissions in half by 2030?footnote 2

When does rideshare driver coverage apply?footnote 3

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 4
Medical coveragefootnote 5
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 4
Medical coveragefootnote 5
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 4
Medical coveragefootnote 5
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 4
Medical coveragefootnote 5
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

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

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.

Yes. You should always contact your insurance provider before you start driving for a rideshare service to ensure you’re not violating the terms of your existing policy.

If you crash while driving for a TNC like Uber or Lyft, your personal auto insurance may not cover you, as most personal policies exclude commercial use. State Farm offers rideshare insurance options that may provide coverage during your TNC driving. Coverage may vary based on whether you have a passenger or are waiting for a ride request. Please review your policy and consider adding rideshare coverage for protection.

Yes. Rideshare coverage can be added to your existing car insurance policy. Several factors may determine how much this additional coverage will cost. Your State Farm agent can help.

If you are driving for multiple TNCs, your rideshare coverage may apply across all platforms. Rideshare insurance from State Farm may provide coverage while you’re logged into any TNC app and actively driving for passengers or waiting for ride requests. However, it is important to ensure that your policy explicitly covers rideshare activities.

No. Based on definitions provided by Uber and Lyft, black car services are considered livery services and require a commercial livery policy, which State Farm does not offer.

Get a local agent who gets you

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

2 For more information, visit the State Farm 2024 impact report.

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

4 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.

5 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
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX