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Progressive rideshare insurance provides coverage separate from a standard policy for drivers who operate on rideshare service platforms like Uber or Lyft.
Crash Course:
- Progressive requires you to add rideshare insurance coverage to your personal car insurance policy if you’re driving for a rideshare company like Uber or Lyft.
- Progressive rideshare insurance costs as little as $6 per month from major providers.
- In some states, Progressive rideshare insurance covers drivers who operate on delivery service platforms like Doordash and Uber Eats.
Driving for services like Uber or Lyft can increase your risk of car accidents. And while most companies offer drivers some coverage, you’re still left with significant liability after a crash. In this article, we’ll provide a deep dive into Progressive’s rideshare coverage, including its costs and coverage options. We’ll also look into the industry’s best car insurance companies that offer rideshare insurance to give you more options.
Personal insurance policies don’t cover accidents that happen while you’re transporting passengers from one place to another. Alternatively, commercial insurance policies limit when you’re covered while on the job. Transportation network companies (TNCs) like Uber and Lyft have commercial insurance that only covers you when you’re picking up or dropping off a passenger.
Rideshare insurance closes the gap in your commercial and personal auto insurance policies, giving you more comprehensive protection and peace of mind while on the road. It provides bodily injury and property damage liability insurance and, in some cases, rental car reimbursement, roadside assistance, and more.
Does Progressive Offer Rideshare Insurance?
Progressive offers rideshare insurance coverage for those who drive for insurance companies like Uber and Lyft. In addition, the insurer also provides coverage for drivers who operate on delivery service platforms like Uber Eats or DoorDash. Note that the coverage between your personal auto policy with rideshare insurance and any insurance provided through the delivery platform may vary by state.
Progressive Rideshare Insurance vs. Commercial Insurance
In most cases, commercial auto insurance coverage from rideshare apps is divided into three categories. These include:
- Period 1: This is when you’re waiting for a ride request from a passenger. Your app must be turned on, and you can either be parked or driving on the road.
- Period 2: This is when you’ve accepted a ride and are on your way to pick up the passenger.
- Period 3: This is when you’ve successfully picked up your passenger and are en route to their destination.
Both Lyft and Uber provide rideshare drivers with substantial coverage for periods two and three. This includes liability coverage and underinsured motorist coverage. Comprehensive and collision coverage are provided as long as you have them on your personal auto policy. However, you still need to pay a large deductible of $2,500 when you make a claim.
Most drivers don’t need to worry about period one because the risk of getting into an accident in this situation is low. In case of an accident, you’re still left completely helpless if you get injured or your vehicle gets damaged.
This is because Uber and Lyft drivers only get liability coverage for Period 1. For this period, the company’s commercial policy may only pay for the medical and auto repair costs of someone involved in an accident you caused. Meanwhile, you’ll be responsible for your own medical bills and auto repair or replacement expenses.
Progressive Rideshare Insurance Coverage
The great thing about Progressive rideshare insurance is that it covers everything your company’s commercial auto insurance policy might not.
- Your app is off: Even if you’re off duty, Progressive rideshare insurance can protect you from exorbitant fees resulting from accidents and damages.
- Waiting for a booking request: Most policies from rideshare companies only cover property damages and bodily injuries. With Progressive rideshare insurance, you also get comprehensive coverage, collision coverage, uninsured motorist insurance, as well as other services like deductible reimbursement and roadside assistance.
- Periods 2 and 3: Rideshare companies often offer more coverage during these periods, but Progressive rideshare insurance adds on roadside assistance and rental car reimbursement. With Uber and Lyft, Progressive will match that $2,500 deductible.
How to Add Rideshare Insurance With Progressive
Progressive offers two different ways for customers together rideshare insurance:
1. Purchase an auto policy as an endorsement
Progressive customers can now add a rideshare endorsement to their personal auto policy in the following states:
| Alabama | Arizona | Arkansas | Colorado | Florida |
| Georgia | Idaho | Illinois | Indiana | Iowa |
| Kentucky | Louisiana | Maine | Maryland | Massachusetts |
| Michigan | Minnesota | Mississippi | Missouri | Montana |
| Nebraska | New Hampshire | New Mexico | North Carolina | North Dakota |
| Ohio | Oklahoma | Pennsylvania | Rhode Island | South Carolina |
| South Dakota | Tennessee | Texas | Utah | Virginia |
| Washington | Washington, D.C. | West Virginia | Wisconsin | Wyoming |
This tends to be the best option if the rideshare company you’re working for doesn’t require you to carry a commercial policy. You can call Progressive at 1-888-806-9598 to speak with a licensed representative who can add a rideshare endorsement to your car insurance policy.
And if you don’t see your state listed. You should see if the provider can insure you through a commercial for-hire livery policy.
2. A commercial for-hire livery policy
Rideshare drivers can also get coverage through a for-hire livery policy. This commercial auto policy is usually reserved for businesses that transport vehicles, like luxury vehicles or taxi services. Rideshare drivers typically qualify for this type of insurance because they make a portion or all their living from transporting passengers.
However, rideshare insurance under a for-hire livery policy isn’t exclusively intended for rideshare drivers. The good news is that you won’t need a separate personal auto policy since a for-hire livery policy can cover you for both business and personal use.
Progressive offers for-hire livery insurance Direct in 40 states.
You can get rideshare insurance for as little as $6 per month from many major providers. However, insurance costs can still change depending on your location, provider, vehicle type, and more. When choosing a rideshare insurance policy, it’s best to talk to a broker or agent who can help you find the best product to meet your needs.
Regarding rideshare coverage, Progressive is a solid option. The company offers flexible policy add-on options to meet your needs as a rideshare driver. The best way to find out how much rideshare insurance will cost is to request a free quote from the provider.
Recommended Providers With Rideshare Insurance
Progressive’s rideshare insurance is rather competitive, but Progressive is not the only company that offers it. If rideshare coverage from Progressive isn’t for you, GEICO and State Farm are also worth considering. You can compare car insurance quotes between all three providers below.
State Farm: Best Overall
State Farm is the most popular car insurance provider in the U.S., with a wide selection of coverage options at affordable rates. On top of providing excellent rideshare coverage, State Farm is known for having the best discount for students among all major providers, knocking up to 25% off premiums.
State Farm ranked first among large insurers in the J.D. Power 2022 U.S. Insurance Shopping Study, which shows its customer service quality. Our experts gave State Farm 4.7 out of 5.0 points.
Keep reading: State Farm auto insurance review
GEICO: Best Discount Selection
GEICO has some of the cheapest car insurance in the industry. This is due to the number of car insurance discounts offered to clients, which include savings opportunities for military members, federal employees and good students.
Depending on your policy type, you may also enjoy extra services like roadside assistance, rideshare coverage, mechanical breakdown insurance and rental reimbursement. Our experts have given GEICO a score of 4.6 out of 5.0 for its competitive rates and excellent services.
Keep reading: GEICO auto insurance review
Progressive Rideshare Insurance: FAQ
Below are frequently asked questions about Progressive rideshare insurance:
Does rideshare insurance cover food delivery services?
Progressive rideshare insurance may cover food delivery if you’re employed by services such as Uber Eats or GrubHub. This type of coverage is only available in select areas. Additionally, the delivery platform you use may also affect your eligibility. You may contact Progressive to confirm your qualifications.
Is rideshare insurance a requirement?
Rideshare insurance is not a legal requirement of any state. However, you should inform your insurance provider about your line of work. Hiding this information may result in your provider refusing to pay your claims if you get into an accident. If you’re a rideshare employee with personal car insurance from Progressive, the company requires you to add its rideshare coverage to your policy.
Can I get just get rideshare insurance?
Most insurance companies sell rideshare insurance as a policy add-on. You can insert it into your policy, but you can’t buy it as an individual product. Progressive requires you to get rideshare insurance on top of a standard car insurance policy if you work for a rideshare service like Uber or Lyft.
Will rideshare insurance reduce my premiums?
Rideshare insurance won’t reduce your policy premiums. Since it’s an add-on service, it’s more likely to increase your rates than decrease them. You can contact your insurance agent for more details.
Does DoorDash count as rideshare for insurance?
Yes, in most states, rideshare insurance covers drivers who operate on delivery service platforms like Uber Eats or DoorDash. However, the coverages that apply between a personal insurance policy with rideshare insurance and any other insurance provide through the delivery company may vary by state.
What does rideshare insurance mean?
Rideshare insurance extends coverage on your personal policy so that they apply during the “app on” period while you’re waiting for a ride request. This means that if an accident occurs while you’re waiting to be hired, the rideshare endorsement may potentially prevent you from paying any out-of-pocket expenses.
Does Florida require rideshare insurance?
Yes, rideshare drivers for companies like Uber and Lyft are required by Florida law to have insurance coverage whenever the rideshare app is on. While Florida’s rideshare insurance requirement is typically met by the company’s policy, rideshare drivers may also want to purchase their own policies.
Do I need to change my insurance to be an Uber driver?
Before you can start driving for Uber, you’ll need commercial private hire insurance, better known as Hire & Reward Insurance. You’ll also need the right level of public liability insurance to protect you in case you accidentally injure someone or cause damage to their property while you’re working.
What are the benefits of rideshare insurance?
Rideshare insurance covers specified loss of or damage to your rideshare vehicle and your liability to pay compensation for accidental loss or damage to someone else’s property caused by accident, which is partly or entirely your fault.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
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- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
