FAQs For Rideshare Drivers

Do I need rideshare or on-demand delivery driver insurance?

You do if you drive for a rideshare company, like Uber or Lyft, or an on-demand delivery company, like Amazon Flex or Grubhub. Answer a few quick questions to find out if rideshare insurance is a good fit for you.

Do I need rideshare or on-demand delivery driver insurance?

If you drive for a rideshare or on-demand delivery company the answer is probably yes.

What company do you drive for?
GEICO has you covered for your rideshare and on-demand delivery insurance needs.

What type of car insurance do you currently have?

GEICO Insurance

Great, GEICO offers insurance coverage for rideshare and on-demand delivery drivers.

Every ride starts somewhere:

Answer one more question to help decide if you need rideshare insurance:

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Transportation Network Company (TNC)

A Transportation Network Company is a rideshare company like Uber and Lyft.

If you use a mobile app to give people rides or deliver items, you likely work for a TNC. Answer one more question to help decide if you need rideshare insurance:

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Rideshare Insurance

Did you know that most personal auto policies exclude, "drive for hire"? Also, the insurance you get through your TNC doesn't cover you while you're not working. That means if you only have one or the other you may be at risk of:

  • Voiding your personal auto coverage
  • Having limited or no coverage when you need it
  • Having to pay out of pocket for repairs

With GEICO's Rideshare Insurance, you're covered whether you're working or not.

Rideshare Insurance

If you drive a car most states require some form of auto insurance, and if you drive for a TNC you will want to have coverage specifically for rideshare. When you choose GEICO you'll get access to:

  • Licensed insurance agents to get you properly insured
  • Multiple coverage options, such as liability, uninsured motorist, rental reimbursement coverage, and more
  • The same deductible whether you’re working or not

Rideshare Insurance

Not all rideshare insurance is the same. GEICO's Rideshare Insurance covers you with the same limit and deductibles whether you are working or not. When you choose GEICO you'll get access to:

  • Licensed insurance agents
  • Towing and rental reimbursement coverages (optional)
  • The same deductible whether you're working or not

Other Rideshare Insurance FAQs

Need and Eligibility

Cost and Policy Types

Coverage and Claims

Service

Why would I need ridesharing insurance? Isn't personal auto insurance enough?

If you drive for Uber, Lyft, or a similar company, your personal auto insurance leaves gaps in your coverage:

  • Most personal auto policies won't cover accidents if you're driving for Uber or Lyft. You might have to pay out of pocket for repairs, injuries, or property damage.
  • Your personal policy could be cancelled if the insurer finds out you're ridesharing.
  • Insurance from Uber and Lyft doesn't cover all situations.

As the following chart shows, you're at risk without GEICO Rideshare Insurance.

Personal use Waiting for a rider (Phase 1) Going to pick up a rider (Phase 2) Driving with a rider on board (Phase 3)
App off App on App on App on
GEICO Rideshare Insurance Covered Covered Covered Covered
Most Personal Auto Insurance Covered Not typically covered Not typically covered Not typically covered
Uber's Insurance* Not covered Limited coverage Covered with $1,000 deductible for damage to your vehicle Covered with $1,000 deductible for damage to your vehicle
Lyft's Insurance* Not covered Limited coverage Covered with $2,500 deductible for damage to your vehicle Covered with $2,500 deductible for damage to your vehicle

Is rideshare insurance available in my state?

Rideshare insurance is available in all states except:

AK, GA, HI, KY, MI, NV, NJ, NY, NC, TX, and UT.

We try to provide rideshare insurance in as many places as we can. Check back frequently, since we are working to add states.

Is there a limit on how many miles I drive?

We consider how much driving you do, but the majority of drivers qualify for our policy, even frequent rideshare drivers.

Get a rideshare insurance quote to check if you qualify. Or call us at (866) 509-9444.

What kinds of vehicles are not eligible for rideshare insurance?

We do not offer rideshare insurance policies for:

  • Large vans
  • Buses
  • Limousines

What if I want to stop ridesharing or driving for delivery companies?

You can easily switch to a GEICO personal auto policy. You'll just need to send us proof that you've stopped ridesharing or driving for on-demand deliveries. A deactivation email from Uber, Lyft, or a similar service counts as proof.

How much does rideshare insurance cost?

Usually not much more than your personal auto policy. The actual price will depend on several factors. At GEICO, we customize quotes for the policy that would best protect you and fit your needs.

Get a rideshare insurance quote.

What is the deductible on GEICO Rideshare Insurance?

We offer deductibles as low as $250. Review your options and choose the deductible that works best for you when you get a rideshare insurance quote.

Should I keep my existing personal car insurance policy?

No, GEICO Rideshare Insurance takes the place of your personal car insurance policy. One policy can cover you 24/7, whether you're ridesharing or driving on your own time.

Can I get my rideshare insurance as an add-on or extension?

No, GEICO does not offer add-on or extension policies for rideshare insurance.

What does "hybrid policy" mean?

GEICO Rideshare Insurance is a hybrid policy, which means that it includes ridesharing and personal use. It can cover you whether you have the Uber or Lyft app on or off.

Who is covered to drive my vehicle?

In general, you and your family members that reside in your household are covered when driving a vehicle listed on your policy. Those with frequent access should be listed on your policy.

What is covered by GEICO Rideshare Insurance?

Rideshare insurance covers you at all times. In addition to personal use, we cover all 3 phases of ridesharing: waiting for a rider, going to pick up a rider, and driving the rider to their destination.

Your policy can cover:

  • Damage to your car from a collision
  • Medical expenses for you and your passenger(s)
  • Property damage and bodily injury to others (liability)
  • Legal defense if someone sues you over an accident
  • Losses or damage from theft, flood, fire, or animals (comprehensive physical damage coverage)
  • Injuries caused by a driver with no insurance and, in some states, hit-and-run drivers (uninsured motorist coverage)
  • Reimbursement for towing and roadside assistance expenses
  • Rental reimbursement

Learn more about rideshare coverages.

What is not covered?

In general, any vehicle you don't own is not covered for rideshare.

How do I file a rideshare insurance claim?

Call (866) 509-9444 to file a claim:

  • Monday through Friday: 8 am to 8 pm (ET)
  • Saturday: 9 am to 5:30 pm (ET)

What if I have an accident?

GEICO covers all phases of rideshare, so there's no confusion about who to call if you get in an accident. Call us at (866) 509-9444 to file a claim.

  1. Establish a report of the accident or loss
  2. Follow up with your rideshare company and passenger(s)
  3. Schedule an inspection for your vehicle
  4. Help you obtain a rental vehicle (if you have rental reimbursement coverage)
  5. Issue payments for repairs and other covered expenses

What if my passenger is injured in a car accident and files a claim against me?

Rideshare insurance can help protect you if your passenger is injured during an accident and files a claim against you. GEICO can cover medical payments and your legal defense up to your policy limits.

What body shop can I use?

You can use your body shop of choice for repairs. Your GEICO Auto Damage Adjuster will work with you to review your options.

How do I make a rideshare insurance payment?

Log in to your policy (or sign up for an account) to make a payment online.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Rideshare Insurance policies are not available in all states but it's always easy to check state availability. Rideshare policies are offered by Government Employees Insurance Company (GEICO).