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What is rideshare coverage?

Using your personal car as a rideshare driver Transportation Network Companies (TNCs) such as Uber or Lyft may require additional protection they don’t provide. As a State Farm® Auto Insurance policyholder, you can extend your coverage.footnote 1

What rideshare driver insurance covers

Our additional rideshare driver coverage simply extends the coverage that you already have on your personal State Farm
Auto policy. It also provides protection on top of the coverage maintained on your behalf by the TNC like Uber or Lyft.

You may receive the protection offered from your personal auto policy, including the limits and deductibles. Liability coverage is only extended while on the app so long as no ride request has been accepted and no person is occupying the vehicle for a charge.

If you ever need to file a claim for a covered loss, you’ll work
with folks you already know. You’ll deal directly with State Farm.

What does rideshare driver coverage cost?

Our rideshare driver coverage generally adds about 15 to 20 percent to your current State Farm premium. But that depends on the coverages you've chosen for your personal auto policy, any discounts that may apply, and other rating factors. It's a simple way to extend the limits and deductibles from your personal auto policy to cover you while you are driving for a TNC (some state-specific requirements may apply).

Coverage in action

Let’s say your TNC app is on and you’re en route to pick up a passenger. Another vehicle smacks into you at the light. Rideshare coverage would help pay for damage to your car.

When does rideshare driver coverage apply?footnote 2

Think about time periods. Our rideshare coverage may help protect you from the time you turn your app on until you deliver your passenger.

Liability to others
Damage to your carfootnote 3
Medical coveragefootnote 4
Available for hire

You have the rideshare app on but are not yet connected with a paying customer.
Matched with rider

You’ve connected with a customer and are heading to pick them up.
Transporting

A paying passenger is in the car with you, driving to their destination.
Liability to others
Damage to your carfootnote 3
Medical coveragefootnote 4
Available for hire

You have the rideshare app on but are not yet connected with a paying customer.
Matched with rider

You’ve connected with a customer and are heading to pick them up.
Transporting

A paying passenger is in the car with you, driving to their destination.
Liability to others
Damage to your carfootnote 3
Medical coveragefootnote 4
Available for hire

You have the rideshare app on but are not yet connected with a paying customer.
Matched with rider

You’ve connected with a customer and are heading to pick them up.
Transporting

A paying passenger is in the car with you, driving to their destination.
Liability to others
Damage to your carfootnote 3
Medical coveragefootnote 4
Available for hire

You have the rideshare app on but are not yet connected with a paying customer.
Matched with rider

You’ve connected with a customer and are heading to pick them up.
Transporting

A paying passenger is in the car with you, driving to their destination.

Frequently asked questions about rideshare coverage

Get a local agent who gets you

There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.

Related insurance coverages

Simple Insights®

Looking for help protecting your vehicle? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

1Return to reference Our endorsement is called Transportation Network Company Driver Coverage except in D.C. which is Private Vehicle-For-Hire Company Operator Coverage.

2Return to reference Coverage varies by state. State Farm Rideshare Driver Coverage is the same as the 6015 TNC endorsement.

3Return to reference Physical damage coverages of comprehensive and collision, and Rental and Emergency Road Service coverage apply if you selected these options on your personal auto policy.

4Return to reference Medical coverage applies if you selected this option on your personal auto policy.

Uber is a registered trademark of Uber Technologies, Inc.

Lyft is a registered trademark of Lyft, Inc.

This is a general description of coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverages and their availability may vary by state. For further information, please see a State Farm agent.

Each State Farm insurer has sole financial responsibility for its own products.

State Farm Mutual Automobile Insurance Company 
State Farm Indemnity Company (Licensed in NJ)
Bloomington, IL

State Farm County Mutual Insurance Company of Texas (Licensed in TX)
Richardson, TX