Ridesharing Insurance FAQs
- Where is Ridesharing Insurance available?
- Is GEICO's Rideshare policy a hybrid policy?
- Is everyone eligible?
- Who is covered?
- What is covered?
- What is NOT covered?
- What if I have an accident?
We are working as fast as possible to provide Ridesharing Insurance in as many places as we can. Currently, we offer this coverage in:
AL, AZ, CT, CO, DE, DC, GA, ID, IL, IN, IA, KS, LA, ME, MD, MN, MS, MO, NE, NM, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, VT, VA, WA, WV, WI, and WY.
If you do not see your state, check back frequently as we are continually adding states.
Yes, our Ridesharing 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 ridesharing; all for a competitive price.
What if I already have a personal auto policy?
Our Ridesharing 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 ridesharing.
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 driving company?
Our Ridesharing Insurance product is only available for personal automobiles used in conjunction with transportation network companies such as Uber and Lyft.
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.
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 if I rent (or borrow) another vehicle for rideshare?
In general, any vehicle you do not own is not covered for rideshare.
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.
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 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.