Last updated: March 2026
How Much Does Rideshare Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Rideshare Endorsement Add-On (monthly) | $0 – $0 | $15 – $30 |
| Hybrid Personal/Rideshare Policy (monthly) | $0 – $0 | $25 – $60 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Rideshare insurance bridges the coverage gap between personal auto insurance and the rideshare company's commercial policy when the app is on.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Yes. Your personal auto insurance does not cover you while driving for Uber, Lyft, or other rideshare services. The rideshare company's coverage has gaps, especially when the app is on but you have not matched with a rider.
A rideshare endorsement adds $15 to $30 per month to your personal auto policy. A dedicated rideshare policy costs $25 to $60 per month.
Rideshare companies provide limited liability coverage when the app is on and more comprehensive coverage during active trips, but significant gaps exist, especially during the waiting period.