What This Coverage Includes
- Coverage during "Period 1" (available/app on, no ride accepted yet)
- Higher liability limits appropriate for commercial-type exposure
- May include hybrid personal/rideshare use
What This Coverage Does NOT Include
- Commercial delivery of goods (different category)
- Coverage during periods already covered by platform insurance
When This Coverage Makes Sense
- Any driver using personal vehicle for Uber/Lyft/etc.
- Food delivery drivers (DoorDash, Uber Eats, etc.)
When You Might Skip This Coverage
- Drivers who never do gig work
- Drivers using company-provided vehicles
Cost Considerations
Typical Additional Cost: $100-400 per year above standard personal auto rates
Premium costs vary significantly by location, vehicle, driver profile, and chosen limits. The figures above are national averages and should be used only as rough guidance. Get actual quotes for accurate pricing.
Frequently Asked Questions
This depends on both the specific coverage type and your state. Some coverages (like liability) are required in nearly all states. Others (like collision, comprehensive, or gap insurance) are optional but may be required by your lender/lessor if you finance or lease your vehicle. Check our state-by-state minimum requirements guide for specifics.
In most cases, yes. You can add, remove, or adjust optional coverages (collision, comprehensive, roadside assistance, etc.) at any time by contacting your insurer. Changes typically take effect at your next renewal, though some adjustments can be made mid-term with possible prorated refunds or additional charges. Required coverages (like state minimum liability) cannot be dropped below legal minimums.
This information is educational only. Coverage details, availability, and costs vary by insurer and state. Always review actual policy documents before purchasing. Consult licensed professionals for advice specific to your situation.