Learn About Ridesharing Insurance

two women in the backseat of a car looking at a smart phone

Every ride starts somewhere.

Insurance is hard enough without having to guess when or who you're covered by. When you have GEICO's Ridesharing Insurance it's simple, you're covered by GEICO. This Hybrid Policy replaces your personal auto policy. Whether you drive for this company or that, have your app on or off. Whether you're on your way to pick up passengers or just your groceries. GEICO's Ridesharing Insurance has you covered.

Get your free Ridesharing Insurance quote and leave the insurance to us.

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

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

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

What type of car insurance do you currently have?

GEICO Insurance

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

Every ride starts somewhere:

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

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Transportation Network Company (TNC)

A Transportation Network Company is a ridesharing 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 ridesharing insurance:

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Ridesharing 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 Ridesharing Insurance, you're covered whether you're working or not.

Ridesharing 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 ridesharing. 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

Ridesharing 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

The new way to ride, with the coverages you need.

Who doesn't like to learn about insurance terms?

Liability? What's that?

Liability coverages are typically required by the state and help protect you in the event that you are in an at fault car accident. Basically they cover the other people and their property. Whether it's damages your car causes to property or injuries to other people, make sure you are covered. These include:

Property Damage:

Property damage coverage pays for damages caused by your vehicle to someone else's property. It also provides you with a legal defense if another party files a lawsuit against you.

Bodily Injury:

This covers you in the event that you injure or kill another person while using your car. It can also provide a legal defense if another party in the accident files a lawsuit against you.

First party coverage: It's your party, choose what you want to.

First party coverage's are usually optional (unless you have a lienholder). Basically these coverages protect you, your vehicle, and your passengers. These coverages include:

Collision Coverage:

Pays for damage to your car when your car hits, or is hit by another vehicle or object regardless of fault.

Comprehensive Physical Damage Coverage:

This pays for losses resulting from incidents other than collision. For example, damage to your car if it is stolen; or damaged by flood, fire, or animals.

Medical payments, no-fault or personal injury protection:

Depending on the state, this coverage goes by different names. No matter the name, this coverage typically pays for medical expenses of injured people inside of your vehicle. This coverage could also apply if you are injured as a pedestrian.

Uninsured Motorist Coverage:

Pays for injuries to you caused by an uninsured driver or in some states, a hit-and-run driver. Some states also have uninsured motorist coverage for damage to your vehicle.

Additional Coverages:

Still have questions? Call (866) 509-9444.

All good rides come to an end.

But that doesn't mean your coverage should. Get your free Ridesharing Insurance quote now, also known as a Hybrid Policy.

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.

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