Does Metromile Offer Rideshare Insurance?
Metromile does not offer insurance for any work vehicles, including food delivery or ride-sharing.
Written by Rebecca Wardell
Reviewed by Shannon Martin
Metromile does not offer rideshare insurance so if you work for a ride-share or food delivery company, you’ll have to find coverage through another provider.
- Personal and commercial car insurance policies usually cover rideshare drivers, but they often create a grey area in which the driver is uninsured.
- Rideshare drivers pay higher premiums but the consequences of not telling your insurance provider are worse.
- Personal and commercial car insurance policies usually cover rideshare drivers, but they often create a grey area in which the driver is uninsured.
- Rideshare drivers pay higher premiums but the consequences of not telling your insurance provider are worse.
Metromile does not offer rideshare insurance so if you work for a ride-share or food delivery company, you’ll have to find coverage through another provider.
- Personal and commercial car insurance policies usually cover rideshare drivers, but they often create a grey area in which the driver is uninsured.
- Rideshare drivers pay higher premiums but the consequences of not telling your insurance provider are worse.
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes Metromile have rideshare insurance?
No, Metromile does not offer car insurance for work vehicles, including those used for ride-sharing or food delivery.
In 2015, Uber and Metromile partnered to provide rideshare drivers a seamless personal and commercial per-mile insurance plan. However, this partnership is not the same as rideshare insurance.
The Uber and Metromile partnership only reduces the cost of personal car insurance for rideshare drivers using
pay-per-mile insurance
. It does not cover the grey area created between rideshare company policies and personal policies.Where available, rideshare insurance covers the grey area, so drivers are covered during personal use, while waiting for a ride request, and while fulfilling a trip.
What to do if you have Metromile car insurance and drive for a rideshare company
If you’re a rideshare driver with a Metromile insurance policy, you will not be covered while the rideshare app is on. If you get into an accident while working, you won’t be covered by Metromile and there’s a chance that they will cancel your policy.
Rideshare drivers have two kinds of car insurance policies: a personal one through their insurance provider and a commercial one through Uber or Lyft. During rides, Uber and Lyft’s commercial policy covers up to $1 million in
bodily injury
and property damage liability coverage
, plus collision coverage
and comprehensive coverage
for drivers who have personal full-coverage policies
.Without rideshare insurance, this coverage combination creates a grey area. For example, while drivers are logged into the app but have not accepted a passenger’s ride request, they are not likely to be covered by either policy.
Rideshare drivers who do not have rideshare coverage spend a significant amount of their working hours in this grey area (aka driving without insurance). Driving without insurance is a huge financial and legal risk that can lead to massive out-of-pocket expenses, possible policy cancellation, and
increased car insurance rates
.What is the best rideshare insurance company?
Metromile doesn’t offer rideshare insurance coverage, but many other car insurance providers do. Here are the best rideshare insurance providers available for Uber and Lyft drivers right now:
Rideshare insurance takes the form of an endorsement—that means it extends your personal policy to cover that grey area instead of you purchasing a separate policy. Coverage and pricing will vary between providers, including liability insurance, collision, and comprehensive options.
Make sure you understand when your personal auto policy coverage stops and when your TNC (transportation network company) coverage takes over before you start driving.
The cost range of rideshare insurance is big, ranging from $20 to $300 per year. In general, it costs more than regular car insurance.
The best way to find rideshare insurance coverage is to compare coverage options and quotes from three to five insurance providers. It’s a good idea to speak with insurance agents from those providers to confirm the coverage and how it will impact your current premium.
Should I tell my car insurance company that I drive for Uber?
It’s probably not what you want to hear but yes. Notifying your insurance provider that you are a rideshare driver will raise your premium but the consequences of withholding that information can be even more detrimental.
Rideshare drivers are riskier to insure because they spend more time on the road, putting them at a higher risk of an accident.
At best, you may encounter uncovered claims and forced policy cancellation. At worst, in some states, you may face fines or jail time for driving uninsured.
The bottom line: you should tell your insurance company if you are a rideshare driver and ensure you have rideshare coverage.
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