Does MAPFRE Offer Rideshare Insurance?

MAPFRE offers a rideshare endorsement to Uber or Lyft drivers in Massachusetts and California.
Written by Jessica Gibson
Reviewed by Amy Bobinger
Rideshare insurance is essential if you’re driving for Lyft or Uber. Unfortunately, MAPFRE only offers this
car insurance
add-on to qualifying drivers in
Massachusetts
and
California
. If you live elsewhere, you’ll have to get rideshare coverage from a different insurer.
  • Rideshare insurance is available as an add-on to a driver’s personal insurance policy.
  • MAPFRE only offers a rideshare endorsement to drivers in Massachusetts and California.
  • The MAPFRE rideshare add-on doesn’t cover delivery drivers.

Does MAPFRE have rideshare insurance? 

Yes, but the answer is a little complicated. 
MAPFRE is currently made up of six companies that provide car insurance to drivers in 14 states. Unfortunately, not all drivers can’t get rideshare insurance from them. MAPFRE only offers rideshare coverage to Massachusetts and California drivers—and only if you drive for Lyft or Uber, not a delivery service.
Don’t confuse commercial insurance, which you can get through MAPFRE if you’re in their coverage area, with rideshare insurance. Commercial insurance takes care of vehicles used by businesses, but it doesn’t insure drivers for transportation network companies. If you work for Uber, Lyft, or DoorDash, for example, you’ll need a rideshare add-on or endorsement for your personal car insurance. 
Remember, you can only get this from MAPFRE if you live in Massachusetts or California and you drive for Lyft or Uber.
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What to do if you have MAPFRE car insurance and drive for a rideshare company

As soon as you turn on the rideshare app to begin work, your personal MAPFRE insurance is no longer in effect. So, if you’re driving a passenger or are on your way to collect a rider and you get into an accident, you can’t submit a claim to MAPFRE. In fact, if they find out that you’re a rideshare driver, they might cancel your policy.
For insurance coverage while you have a passenger, you can use Uber and Lyft’s commercial auto insurance policies. These provide up to $1 million in
bodily injury
and
property damage liability coverage
. You’ll also get collision coverage and comprehensive coverage if you have a personal
full-coverage policy
There are a few drawbacks to these companies’ policies. They’re only in effect while you have a passenger in the car, and you’ve got to pay a hefty deductible. Uber drivers pay $1,000, while Lyft drivers pay $2,500!
You might be thinking that you’ll risk it and just go with the company’s commercial insurance plus your personal MAPFRE policy. We strongly urge you not to do this since you’ll have gaps in coverage where you won’t be insured, and driving without car insurance is incredibly risky.
MORE: How to work for a rideshare company: driving for Lyft or Uber

What is the best rideshare insurance company?

Rideshare is a tricky insurance product, so it’s a little hard to find an affordable rideshare endorsement. If you don’t meet MAPFRE’s eligibility requirements, shop for the add-on from another auto insurance company. Here are national providers available for Uber and Lyft drivers in most states:
Keep in mind that you’re not buying a whole car insurance policy—you’re getting an endorsement, which is an add-on to your existing personal insurance policy. As with any insurance, the price and coverage limits depend on your demographics. Insurers usually require you to have basic liability insurance, while others also require
collision coverage
or
comprehensive insurance
A rideshare endorsement could cost you anywhere from $20 to $300 per year. That’s a pretty big range, so it definitely pays to shop around for the most competitive insurance rates. If you’re unsure whether a provider offers rideshare insurance, talk to one of their insurance agents for clarification.

Should I tell my car insurance company that I drive for Uber?

Yes! It’s not worth it to keep this important information from your carrier.
We won’t sugar coat it—your premium will go up when you tell your insurer that you’re driving for a rideshare service. After all, you’re riskier to insure because you’re on the road a lot, which makes you more likely to get into an accident.
If you don’t tell them and you get into a car accident, they won’t cover your claim. They could even cancel your policy! Plus, since you’re essentially driving without insurance, you could face state penalties like a harsh fine and jail time.
With these consequences in mind, it’s a much safer idea to inform your insurance company and get the required rideshare endorsement before you turn on the app.
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