Does Allstate offer Rideshare Insurance?

With Allstate’s Ride for Hire insurance endorsement, you can purchase additional coverage that helps fill the gaps between your personal policy and your TNC’s.
Written by Natalie Todoroff
Reviewed by Kathleen Flear
Allstate offers rideshare insurance through their Ride for Hire insurance endorsement, which will help fill in coverage lapses between your personal
car insurance
and transportation network company’s (TNC’s) policies.
  • Ride for Hire is an insurance add-on available for Uber and Lyft drivers—but not for Doordash, Uber Eats, or other food delivery service drivers. 
  • Ride for Hire can help lower your out-of-pocket expenses if you get into an accident while your TNC app is on.
Without further ado, here’s everything you need to know about Ride for Hire, Allstate’s rideshare insurance endorsement.

Does Allstate have rideshare insurance?

Yes, Allstate offers rideshare insurance with their Ride for Hire endorsement
Ride for Hire offers drivers additional coverage where their TNC’s policy is lacking. The Ride for Hire endorsement is exclusively available for business or artisan use and for drivers of rideshare companies like Uber and Lyft. 
Ride for Hire does not cover drivers for food delivery services like Doordash and UberEats and it is not designed for commercial use. 

What to do if you have Allstate car insurance and drive for a rideshare company 

You may be thinking, if my TNC already has an insurance policy, can’t I just rely on that? While you could in theory, you’d be playing a risky game. 
When you’re off the clock—meaning you are not actively driving for Uber or Lyft and using your vehicle for your personal use—you’d be covered by your personal car insurance policy. And when you’ve got a passenger in your car, you’ll be under your TNC’s driver insurance policy. 
But what about that gray area in between? When your app is on but you’re waiting for a passenger assignment, who would cover you in the event of an accident? Your personal car insurance policy may have exclusions that exclude you from coverage while driving for Uber. And because you don’t yet have a passenger, your TNC’s insurance policy may not kick in, which means you’re essentially driving around without insurance for a significant chunk of your working hours. 
Even if your TNC’s policy covers you in the event of an accident, you may not be thrilled with the kind of coverage they provide. Generally, these policies have sky-high
—$1,000 for Uber and $2,500 for Lyft—that could leave you in a financial lurch. 
And while Uber or Lyft’s own policies may seem impressive on paper—with up to $1 million in
bodily injury
property damage liability coverage
during rides, along with collision coverage and comprehensive coverage for drivers who have
full-coverage policies
for personal use—in the real world, they can leave you with pricey out-of-pocket expenses. 
Allstate’s Ride for Hire endorsement can help lower your out-of-pocket expenses with deductible gap coverage up to $2,500. 
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What is the best rideshare insurance company?

Although Allstate’s rideshare coverage is among the best available, the following insurance providers also offer comparable coverage: 
Just like Allstate’s, the rideshare coverages available from the insurance providers listed above are all endorsements you can add to your existing policy. Exactly what you get will change based on the insurance provider you choose, but in general, you can expect a rideshare endorsement to include some basic liability insurance as well as collision and comprehensive options. 
Costs will also vary based on the insurance provider. It’s typical to pay between $20 and $300 per year to add rideshare insurance to your policy.  
There’s no one rideshare insurance provider better than all the rest, but there is a tried-and-true method to finding the best one for you: comparison shopping. Get quotes from at least 3-5 companies before you decide which one best suits your coverage needs and budget. 
To do this, you can call up insurance agents from each provider or use a comparison shopping tool to help do the legwork for you. 

Should I tell my insurance company that I drive for Uber or Lyft?

You should always tell your insurance provider that you drive for Uber or Lyft. Your rates may increase, but the consequences of not disclosing the information are far worse.
Unfortunately, your new side gig will come with some increased expenses. When driving for Uber or Lyft, you’ll be on the road for longer periods, which increases your odds of getting into an accident. The more likely that is, the more risk you pose to your insurance provider—so you’ll have to pay a higher rate to get covered. 
However, if you don’t tell your insurance provider that you drive for a rideshare app, you run the risk of involuntary policy cancellation. And driving without insurance is punishable by steep fines or even jail time. 
There’s no debate: if you drive for a rideshare company, you absolutely need to inform your insurance company. 
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