Does Liberty Mutual Offer Rideshare Insurance?

Liberty Mutual doesn’t sell rideshare insurance directly to policyholders, but it does partner with Uber and Lyft as an official provider in certain states.
Written by Jason Tushinski
Reviewed by Kathleen Flear
background
Liberty Mutual does not offer
rideshare insurance
as an endorsement or add-on for personal
car insurance
policies. However, Liberty Mutual does offer rideshare coverage through both Uber and Lyft in certain states, as it is an official auto insurance provider for both rideshare services.
  • Liberty Mutual won’t sell rideshare coverage directly to its customers.
  • Liberty Mutual’s rideshare coverage is only available through Uber or Lyft in certain states.
  • Several other insurance companies do offer rideshare coverage as an endorsement for personal policies.

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 
You won’t be able to use your personal auto insurance policy from Liberty Mutual as protection when you drive for Uber or Lyft—specifically when you have your app turned on. That means you won’t be able to
file a claim
through your personal Liberty Mutual policy if you’re involved in a collision while driving for a rideshare app.
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 is available for Uber in
Connecticut
,
Rhode Island
,
Vermont
,
New Hampshire
,
Maine
,
Massachusetts
,
South Carolina
, and Puerto Rico. Liberty Mutual’s rideshare coverage is available for Lyft in
Arizona
,
Michigan
,
New Mexico
,
Texas
, and
Utah
.
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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:
Deductibles
  • $1,000 for Uber drivers
  • $2,500 for Lyft drivers
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.
You can’t rely on your personal car insurance policy for your time ridesharing—and passing on rideshare coverage from Liberty Mutual or any other provider is not a good idea. Not only could this mean you can face significant out-of-pocket costs, but you could also face fines and even jail time for
driving without car insurance

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.
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FAQ

Yes, you should definitely inform your insurer if you start driving for Uber or Lyft. Your rate will almost definitely go up, but concealing your rideshare work from your insurer can lead to more severe consequences than a slight rate increase, including cancellation.
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