Does Liberty Mutual have rideshare insurance?
Liberty Mutual does not offer rideshare coverage directly to its customers. If you are currently a Liberty Mutual policyholder, you will not be able to add this as an endorsement to a personal car insurance policy.
However, Liberty Mutual is an official auto insurance provider for both Lyft and Uber in certain states. You can get a separate rideshare coverage plan from Liberty Mutual through either app if they partner in your area.
What to do if you have Liberty Mutual car insurance and drive for a rideshare company
So, as a Liberty Mutual customer, the most convenient way to get rideshare coverage is to purchase it through your Uber or Lyft app. Liberty Mutual won’t sell it to you on your own.
Liberty Mutual’s rideshare coverage, if purchased through either Uber or Lyft, provides the following significant rideshare protection:
While the rideshare app is turned on, waiting for a request:
Picking up or carrying a passenger or delivery:
Unlike some other rideshare insurance, Liberty Mutual’s rideshare coverage will cover you whenever the app is on, even while you aren’t matched with a passenger or delivery.
What is the best rideshare insurance company?
Liberty Mutual only offers rideshare coverage through partnerships with Uber and Lyft in certain states. However, the following insurers do offer rideshare coverage directly to their customers:
For each provider, you would purchase rideshare insurance as an add-on or an endorsement to your personal policy. The price and coverage levels vary from one insurer to the next, but you can expect bodily injury and property damage liability coverage. So long as you carry both comprehensive and collision coverage on your personal auto insurance policy, this should carry through onto the rideshare endorsement.
Rideshare insurance is usually pricier than standard car insurance, but the costs to add this coverage to your policy vary from $20 to as much as $300 more per year.
If you’re looking for rideshare insurance, it is always a smart move to compare between three and five providers to find the best coverage at a price that works for you. Speak with an insurance agent from each company to make sure you’re getting the right coverage for your needs.