Although other insurance providers offer coverage for Uber and Lyft drivers, Amica does not have rideshare insurance. If you operate a vehicle for ridesharing purposes, you’ll need to purchase coverage from a separate provider.
Amica does not offer rideshare insurance.
You can purchase small business insurance from Amica, but unlike commercial insurance, it may not cover your business—or ridesharing—vehicle.
Rideshare insurance adds approximately 15% to 20% to your overall insurance rate.
Without further ado, let’s go over your options for rideshare insurance if you’re an Amica customer and why it’s so important that you keep yourself and your vehicle covered.
. You can also purchase small business insurance from Amica, which might cover a company vehicle.
That said, Amica doesn’t provide coverage for vehicles driven for Lyft, Uber, Doordash, or Postmates.
What to do if you have Amica car insurance and drive for a rideshare company
If you drive for a rideshare company like Uber or Lyft, you can still receive normal auto coverage under your Amica car insurance policy—it just doesn’t apply when your rideshare app is on and you’re operating your vehicle for rideshare purposes.
If you get into an accident while working for a rideshare company, you can’t submit a claim to Amica. In fact, your policy may be canceled if you try to submit a normal claim for an accident that occurred during a rideshare trip. Be sure to contact Amica to verify whether you can continue driving your vehicle under an Amica insurance policy if you use your vehicle for ridesharing.
, don’t offer rideshare insurance, mostly due to the liability expectations associated with covering rideshare vehicles. Amica technically does not offer commercial auto insurance, either, and their small business insurance might not cover your company vehicle—especially if you’re using it for ridesharing.
Uber and Lyft do offer their own commercial policies, which include up to $1 million in
While a commercial policy may seem like a wise option, they only offer coverage when passengers are in the car, and the deductibles are quite high (Uber drivers pay $1,000 and Lyft drivers pay $2,500). For this reason, it’s highly recommended that you find rideshare insurance from a regular insurance company if you ever drive for Uber or Lyft.
Amica doesn’t have rideshare insurance coverage, but that doesn’t mean you have to quit your ridesharing job. Other popular companies offer rideshare insurance, so you can continue driving for Uber and Lyft with coverage from any of these providers:
The companies listed above offer rideshare coverage as an add-on or “endorsement” on your existing personal insurance policy. Rideshare endorsements extend liability insurance and full-coverage options like collision and comprehensive insurance to cover you when your personal policy stops and your rideshare company’s policy kicks in.
Keep in mind that rideshare insurance typically increases your auto insurance rates. You can find a policy that adds rideshare insurance for as cheap as $20 extra per year, but some providers require a much steeper premium—you could pay as high as $300 per year.
Your rideshare insurance price will depend on your vehicle, location, driving history, and the type of ridesharing you engage in.
To find the best rideshare insurance policy for your specific needs, be sure to compare insurance rates and coverage levels from at least 3-5 providers. Discuss your options with an agent and find out how rideshare insurance might impact your rates.
Should I tell my car insurance company that I drive for Uber?
Yes, you should certainly let your insurance provider know if you’re driving for a rideshare company. While you might want to avoid disclosing your rideshare driving status in fear of a higher insurance rate, the consequences of leaving your provider out of the loop could leave you worse off.
So, yes—whether you’re working part-time or full-time, your insurance rate will go up once you let your provider know about your rideshare driving gig. Since you’ll be on the roads more frequently, the risk of an accident will be higher, so it makes sense as to why you’ll face higher premiums.
If you fail to notify your provider of your driver status and you get into an accident while ridesharing, your insurance will not cover your claims and your policy could get canceled. If you happen to drive uninsured altogether, beware of harsh penalties like license suspensions, jail time, or steep fees.
The bottom line:your ridesharing driver status should never be a secret, especially when it comes to your insurance company.Compare quotes from different providers to find the best policy for you, and keep your wallet and your vehicle protected even when your rideshare app is in use.