Coverage Guide
Rideshare Insurance Coverage Guide
Compare your insurance options for Uber and Lyft driving
Insurance Options Compared
Rideshare Endorsement
Add to personal policy - covers Period 1 gap
$20
per month
Pros
- Cheapest option
- Easy to add
- Covers gap period
Cons
- • May not cover all gaps
- • Limited collision coverage
Hybrid Personal/Commercial
Combined personal and rideshare coverage
$180
per month
Pros
- Comprehensive coverage
- No gaps
- One policy
Cons
- • More expensive
- • Not all insurers offer
Full Commercial Policy
Full commercial auto insurance
$350
per month
Pros
- Maximum coverage
- Covers all activities
- Professional grade
Cons
- • Most expensive
- • May be overkill for part-time
Which Option is Right for You?
Part-Time Drivers
Under 15 hours/week
Rideshare Endorsement
$15-$30/month is sufficient
Regular Drivers
15-30 hours/week
Hybrid Policy
Better protection for more miles
Full-Time Drivers
30+ hours/week
Commercial Policy
Maximum coverage for professionals