Rideshare Insurance

One policy covers personal use plus driving for Uber, Lyft, and other rideshare companies.

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Manage Your Rideshare Insurance Policy


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What is rideshare insurance?

Rideshare insurance is auto coverage for drivers of ridesharing companies like Uber and Lyft. Rideshare insurance replaces the driver's personal car insurance policy.

If you're driving to pay off student loans, support your family, or saving up for something, you can't afford to depend only on Uber or Lyft for coverage. If you don't have rideshare insurance, you run the risk of:

  • Losing your personal auto coverage
  • Falling into coverage gaps for accidents that occur while you're ridesharing or driving for on-demand deliveries
  • Paying out of pocket for repairs, injuries, and more

Why risk it? GEICO Rideshare Insurance covers you all the time, so you can focus on making money, not worry about losing it.

Why choose GEICO for rideshare insurance?

  • GEICO Rideshare Insurance takes the place of your personal auto policy.
  • App on or app off, you're covered by the same insurance.
  • You only have to manage one auto policy.
  • GEICO does not offer add-on rideshare policies or extensions.

Looking for ridesharing tips? Check out GEICO's Rideshare Driver's Guide.

Who is ridesharing insurance for?

You need rideshare insurance if you drive for a rideshare, such as:

  • Uber
  • Lyft

You're not limited to one company. You can drive for several.

You're at risk without rideshare insurance.

Insurance from Uber or Lyft on top of a personal car insurance policy isn't best for covering all situations, as this chart shows.

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

Am I covered for an accident during an Uber or Lyft ride?

Example: You're waiting with the app on (phase 1) when you're involved in an accident. Your car is damaged and you're hurt. Neither your personal auto policy nor your rideshare company would necessarily pay for all your medical bills and repairs. But with GEICO Rideshare Insurance you'd be covered.

Why choose GEICO for your rideshare insurance?

Convenient online service whenever you need us. Friendly, knowledgeable claims handling to help you through the process. GEICO Rideshare Insurance is designed to save you stress and worry.

Go-Anywhere Online Service

From your smartphone or computer, you can log in to your policy to:

  • Pay online
  • View payment history
  • Check your installment schedules
  • Order ID cards
  • Request proof of insurance

Experienced Claims Management

Call (866) 509-9444 and talk to a real person at GEICO if an accident or loss happens. Our claims experts can:

  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**
  5. Issue payments for repairs and other covered expenses

Savings on High-Value Coverage

GEICO's Rideshare Insurance offers:

  • Competitive pricing
  • Typically much lower rates than taxi and commercial policies
  • Lower deductibles than Uber, Lyft, and most similar services
  • Coverage if you drive for multiple rideshare companies, not just one or two

Need to speak with us? We're here to help.

You can reach us at (866) 509-9444.

  • Sales
  • Mon – Fri
    8:00 AM – 9:00 PM (ET)
  • Sat
    10:00 AM – 6:00 PM (ET)
  • Service
  • Mon – Fri
    8:00 AM – 9:00 PM (ET)
  • Claims
  • Mon – Fri
    8:00 AM – 8:00 PM (ET)
  • Sat
    9:00 AM – 5:30 PM (ET)

*As of January 2019. For the most complete and up-to-date information on insurance provided by Uber and Lyft, check their official websites.

**If you have rental reimbursement coverage.

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).