2026 Calculator
Rideshare Insurance Calculator
Estimate your Uber/Lyft insurance costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
Does my personal auto insurance cover Uber/Lyft driving?
No. Most personal auto policies explicitly exclude commercial activities like rideshare driving. Using your car for Uber or Lyft without proper coverage can void your policy entirely if you file a claim during rideshare activities.
What is a rideshare endorsement?
A rideshare endorsement (also called TNC endorsement) is an add-on to your personal auto policy that covers the gap in Period 1 when the app is on but you haven't accepted a ride. It typically costs $15-$30 per month and is the most affordable way to close coverage gaps.
What are the coverage periods for rideshare insurance?
There are 4 periods: Period 0 (app off - personal insurance), Period 1 (app on, waiting - gap period), Period 2 (en route to pickup - TNC coverage), and Period 3 (passenger in car - full TNC coverage). Period 1 is the dangerous gap most drivers don't cover.
Does Uber provide insurance for drivers?
Uber provides $1 million liability coverage during Periods 2 and 3 (when you're en route or have a passenger). During Period 1, Uber only provides limited contingent liability. Period 0 (app off) has no Uber coverage - that's your responsibility.
How much does rideshare insurance cost in 2026?
A rideshare endorsement costs $15-$30/month. A hybrid policy runs $150-$250/month. Full commercial coverage costs $300-$500/month. Part-time drivers typically only need the endorsement; full-time drivers should consider hybrid policies.
What happens if I get in an accident during Period 1?
If you have no rideshare coverage and get in an accident while waiting for a ride request, your personal insurer may deny the claim AND cancel your policy. Uber/Lyft's Period 1 coverage is limited and may not cover your vehicle damage.
Do I need commercial insurance for DoorDash or UberEats?
Food delivery has different requirements than passenger rideshare. Many insurers offer delivery endorsements that are cheaper than rideshare endorsements. Some personal policies cover delivery with no endorsement - check your specific policy.
Can my insurance company drop me for driving Uber?
Yes. If your insurer discovers unreported rideshare activity, they can cancel your policy immediately. Always disclose rideshare driving to your insurer and add proper endorsements. Non-disclosure is considered fraud.
Is rideshare insurance tax deductible?
Yes. Rideshare insurance is a deductible business expense for taxes. You can deduct the full cost of a rideshare endorsement or the business-use percentage of a hybrid/commercial policy. Keep all receipts and documentation.
What's the difference between Uber and Lyft insurance coverage?
Both provide similar $1 million liability coverage during Periods 2-3. The main differences are in Period 1 contingent coverage limits and deductibles for collision coverage. Compare your state's specific TNC requirements for accurate comparison.