Does Farmers Offer Rideshare Insurance?
If you drive for Uber or Lyft, you can get rideshare insurance through Farmers—as long as you have an existing auto insurance policy with them.
Written by Macy Fouse
Reviewed by Christelle Agustin
If you drive for Uber or Lyft, Farmers offers a rideshare endorsement to existing policyholders in 36 states, but you can expect it to raise your annual insurance rates.
- You can add rideshare coverage to your Farmers car insurance policy in 36 states.
- Uber drivers can also use Farmers commercial insurance for rideshare work in 18 states.
- Even if rideshare coverage increases your rates, skipping out on it is never a good idea.
- You can add rideshare coverage to your Farmers car insurance policy in 36 states.
- Uber drivers can also use Farmers commercial insurance for rideshare work in 18 states.
- Even if rideshare coverage increases your rates, skipping out on it is never a good idea.
Does Farmers have rideshare insurance?
Yes, Farmers offers rideshare insurance—but only as an endorsement to an existing auto policy. If you have Farmers car insurance, you can purchase rideshare coverage; however, this insurance does not cover any delivery services you perform with your car, like DoorDash or Amazon delivery.
Farmers rideshare endorsements are currently only offered in 36 states, so make sure your state is covered before you sign up for a Farmers policy just for rideshare coverage.
Farmers also offers commercial insurance in 16 states and the
District of Columbia
. Commercial insurance traditionally covers vehicles used by businesses, but in 2021, Farmers extended their commercial insurance offerings to cover Uber rideshare drivers and couriers. Under this type of Farmers insurance, coverage begins when a driver signs into their Uber app and continues through accepting a trip, picking up a passenger, and completing a trip. Farmers offers commercial insurance in the following states:
- Arizona
- Delaware
- District of Columbia
- Georgia
- Hawaii
- Indiana
- Iowa
- Kansas
- Maryland
- Missouri
- Nebraska
- Nevada
- North Dakota
- Pennsylvania
- South Dakota
- Virginia
- West Virginia
Adding rideshare insurance to your Farmers insurance policy
If you’re on the clock working for a rideshare company, your regular Farmers policy won’t cover your vehicle. That means if you get into an accident while working, you can’t submit a claim to Farmers. Not only will you have to pay for the accident out of pocket, but if they find out you were driving for a rideshare company when it happened, they may even cancel your policy.
To be covered when you’re on the clock, you’ll need to add rideshare coverage to your policy. If you already have a car insurance policy with Farmers and you’ve made sure their rideshare insurance is offered in your state, all you have to do is contact your Farmers agent to update your policy.
Uber and Lyft’s commercial auto insurance includes up to $1 million in
bodily injury liability
and property damage liability
. It also includes collision and comprehensive coverage for drivers who have personal full-coverage insurance
policies. However, that coverage only applies when a passenger is in the car. Any claim you make will, unfortunately, also come with a pricey deductible ($1,000 for Uber drivers and $2,500 for Lyft drivers). If you’re a rideshare driver without rideshare insurance, you’re left with a wide gap in coverage. Essentially, you’d be driving without insurance for a huge portion of your work hours—which is incredibly risky and could lead to mind-boggling expenses, policy cancellation, and soaring premiums in the future.
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What is the best rideshare insurance company?
Farmers is a decent option when it comes to rideshare insurance coverage, but it may not be the best choice for everyone—especially if it’s not offered in your state. Here are a few other providers who offer rideshare insurance:
None of these companies offer standalone rideshare insurance. Just like Farmers, rideshare coverage is an add-on to your existing policy. Coverage limits and policy options will vary by company and state, but in general, most rideshare endorsements will extend your liability and full coverage options from your personal policy once you clock in.
We’ll be honest: adding rideshare coverage will increase your insurance rates. However, the amount will depend on many factors, meaning the additional cost could be as little as $20 extra per year or as much as $300 per year.
As with any car insurance, the best way to find rideshare coverage that fits your needs is to compare quotes and coverage from at least three providers. Better yet, talk to an agent from each company to get an idea of how their rideshare policy will fit your insurance needs.
Should I tell my car insurance company that I drive for Uber?
Absolutely. Maybe you’re avoiding telling your insurance provider about your rideshare hustle because you don’t want your rates to go up. We get it—but, in reality, the consequences of keeping this from your provider are far worse.
Failing to notify your insurance company could leave you with uncovered claims and involuntary cancellation. Without an insurance policy, you would be breaking the law in almost every state!
Even though telling your insurer about your rideshare gig could increase your rates, you would be on the good side of the law.
Our advice? Don’t keep your rideshare job a secret from your insurance provider! Instead, do some research and invest in rideshare insurance.
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