FAQs For Rideshare Drivers

Are you a driver for a rideshare company and wondering how you're going to purchase insurance? GEICO helps answer the questions you might have about rideshare insurance.

Where is Rideshare Insurance available?

We are working as fast as possible to provide Rideshare Insurance in as many places as we can. Currently, we do not offer this coverage in:

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

Check back frequently as we are continually adding states.

Is GEICO's Rideshare policy a hybrid policy?

Yes, our Rideshare Insurance policy is a hybrid policy and will replace your existing personal auto policy. So not only do you have coverage for personal use, you have the added level of protection for rideshare; all for a competitive price.

Is everyone eligible?

What if I already have a personal auto policy?

Our Rideshare Insurance policy is a hybrid policy and will replace your existing personal auto policy. Once you purchase our policy, you no longer need your personal auto policy.

Note: If you have multiple vehicles, you will need to continue personal auto insurance on the vehicles not used for rideshare.

Is there a restriction on how many miles I drive?

Yes, but the majority of drivers qualify for our policy. If you are unsure how many miles you may drive, call us at (866) 509-9444 and we can help.

Typically, a standard commercial auto policy would be better suited for professional/full-time drivers.

Is there a restriction based on the vehicle I drive?

Yes. We do not insure high occupancy vehicles such as large vans or buses.

What if I work for a transportation network company?

Our Rideshare Insurance product is only available for personal automobiles used in conjunction with transportation network companies such as Uber and Lyft.

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.

Start Rideshare Quote

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
Start Rideshare Quote

Who is covered?

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 about my passengers?

You are covered up to the limits on your policy for injuries or property damage sustained by your passengers.

What is covered?

Does my policy provide coverage from App on to App off?

Yes, when operating the vehicles on your policy and with or without passengers.

Note: Rideshare coverage is only provided for vehicles listed on your GEICO Rideshare policy.

Is damage to my car covered?

Yes, as long as you purchase comprehensive and collision coverage (also known as full coverage) damage to your vehicle will be covered. We offer a variety of deductibles starting as low as $500.

When is my vehicle covered outside of rideshare?

This policy also covers the vehicle for personal usage. However, public transportation services outside of rideshare (taxi, street hails, air shuttles, limos and black car services) are not covered.

What is not covered?

What if I rent (or borrow) another vehicle for rideshare?

In general, any vehicle you do not own is not covered for rideshare.

What if I have an accident?

Please call the GEICO claims department at (866) 509-9444 to report the claim regardless of whether injuries or property damage occur. Our professional claims specialists will assist you in getting back on the road as quickly as possible.

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).