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.
If you drive for a rideshare or on-demand delivery company the answer is probably yes.
Other Rideshare Insurance FAQs
Need and Eligibility
- Why would I need ridesharing insurance? Isn't personal auto insurance enough?
- Is rideshare insurance available in my state?
- Is there a limit on how many miles I can drive?
- What kinds of vehicles are not eligible for rideshare insurance?
- What if I want to stop ridesharing or driving for delivery companies?
Cost and Policy Types
- How much does rideshare insurance cost?
- What is the deductible on GEICO Rideshare Insurance?
- Should I keep my existing personal car insurance policy?
- Can I get my rideshare insurance as an add-on or extension?
- What does "hybrid policy" mean?
Coverage and Claims
- Who is covered to drive my vehicle?
- What is covered by GEICO Rideshare Insurance?
- What is not covered?
- How do I file a rideshare insurance claim?
- What if I have an accident?
- What if my passenger is injured in a car accident and files a claim against me?
- What body shop can I use?
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.
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.
We consider how much driving you do, but the majority of drivers qualify for our policy, even frequent rideshare drivers.
We do not offer rideshare insurance policies for:
- Large vans
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.
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.
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.
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.
No, GEICO does not offer add-on or extension policies for rideshare insurance.
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.
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.
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
In general, any vehicle you don't own is not covered for rideshare.
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)
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.
- Establish a report of the accident or loss
- Follow up with your rideshare company and passenger(s)
- Schedule an inspection for your vehicle
- Help you obtain a rental vehicle (if you have rental reimbursement coverage)
- Issue payments for repairs and other covered expenses
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.
You can use your body shop of choice for repairs. Your GEICO Auto Damage Adjuster will work with you to review your options.
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).