Calculate rideshare insurance costs for Uber, Lyft drivers. Gap coverage, commercial endorsements, and personal auto rates. Based on 2026 insurance industry data.
Calculate Your CoverageRideshare insurance is specialized coverage for Uber, Lyft, and other Transportation Network Company (TNC) drivers. Unlike regular auto insurance, it covers the unique risks of driving passengers for hire, including the critical "gap" periods when your personal insurance doesn't apply but Uber/Lyft coverage hasn't fully activated.
In 2026, nearly 48% of rideshare drivers are underinsured during Period 1 (app on, waiting for rides). A rideshare endorsement costs just $15-$30 per month and closes this dangerous coverage gap. Full-time drivers may benefit from hybrid or commercial policies ranging from $150-$500 per month.