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If you use your personal car when you drive for a ridesharing company like Uber or Lyft, the answer may be yes.
That’s because the insurance offered by transportation network companies (TNC) like these may not cover what you expect or need. If you’re involved in an accident – especially if you’re injured – you could find yourself paying for damages out of your own pocket.
At State Farm®, we offer competitively priced insurance for rideshare drivers that takes away the uncertainty around coverage when you drive for a TNC.
Get a rideshare insurance quote when you talk with your State Farm agent.
If you’re a State Farm customer and you’re considering becoming a driver for a rideshare company, first talk with your agent about adding rideshare coverage to your policy.
When you buy rideshare insurance from State Farm, you’re purchasing an add-on to your existing personal auto insurance policy. It extends the coverage you’ve already purchased to the time you spend driving for a TNC.
State Farm’s rideshare insurance provides protection by:
Unavailable for Hire
App On, Available for Hire
State Farm Rideshare Driver Coverage extends all coverages from your personal auto policy and may include:
(In some cases, the insurance coverage provided by your transportation network company may also apply. Check your policy/agreement for more information.)
State Farm rideshare driver coverage generally adds about 15 to 20 percent to your current auto insurance premium, depending on the coverages you've chosen, any discounts that may apply, and other rating factors.
So if you pay a premium of $300 every 6 months for your auto insurance, our rideshare coverage would add approximately $45 to $60 to your premium.
1The State Farm Rideshare Driver Coverage applies to the named insured on the Personal Auto Policy and their resident relatives.
2Coverage provided depends on the coverage and limits selected by you for your Personal Auto Policy.
Discounts and their availability may vary by state and eligibility requirements. Not all vehicles or drivers are eligible for discounts.
This document contains only a general description of coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements, and may vary by state. For further information, please see a State Farm agent.
Our endorsement is called Transportation Network Company Driver Coverage except in DC which is Private Vehicle-For-Hire Company Operator Coverage.
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
State Farm County Mutual Insurance Company of Texas
Uber is a registered trademark of Uber Technologies, Inc.
Lyft is a registered trademark of Lyft, Inc.