Does Progressive Offer Rideshare Insurance?
Progressive does offer rideshare insurance to its customers—but you’ll need to have a certain amount of liability coverage beforehand.
Written by Claire Beaney
Reviewed by Kathleen Flear
Progressive does offer rideshare insurance in most states—and if rideshare endorsement isn’t available in your state, they can help you find commercial insurance instead.
- Progressive does offer rideshare insurance coverage.
- You’ll need at least 50/100/25 in liability coverage through Progressive to add rideshare insurance to your car insurance policy.
- Rideshare drivers have higher insurance rates, but the repercussions of not informing your insurance provider can be far worse.
- Progressive does offer rideshare insurance coverage.
- You’ll need at least 50/100/25 in liability coverage through Progressive to add rideshare insurance to yourcar insurancepolicy.
- Rideshare drivers have higher insurance rates, but the repercussions of not informing your insurance provider can be far worse.
Does Progressive have rideshare insurance?
Yes, Progressive does offer rideshare insurance to policyholders.
In most states, you can add ridesharing insurance to your existing Progressive auto insurance policy. This includes rideshare, Doordash, other food delivery services, and business/artisan use.
If Progressive does not allow rideshare on your personal policy, they can assist you in obtaining a commercial auto policy instead. In addition, Progressive offers for-hire livery insurance in 43 states.
Having commercial auto insurance, also known as livery insurance, is highly recommended (and sometimes necessary) if you operate a taxi, limousine, or any other vehicle used for commercial purposes to transport passengers for a fee.
What to do if you have Progressive car insurance and drive for a rideshare company
In most cases, your state law will require your Transportation Network Provider (TNC) to provide insurance for each of their drivers. However, the insurance provided by your rideshare company may not protect you as much as you believe it does. Progressive's rideshare insurance is useful in situations where TNCs or your personal auto policy won't cover you, such as when you're waiting for a rider.
If your car is damaged during part of a trip, for example, your personal auto policy's
comprehensive
and collision coverage
will kick in with Progressive rideshare coverage.Adding rideshare coverage to your Progressive car insurance gives you more convenience and peace of mind. Here are a few benefits of Progressive's rideshare coverage:
- One policy, one payment: All of your coverage needs, including personal and ridesharing, can be met by, and paid for, through a single policy.
- Extended coverage: When you're logged in and waiting for passengers, you can confidently drive, knowing that your coverages still apply.
- Deductible reimbursement: If the ridesharing company's insurance deductible is lower than your own, Progressive will pay the difference. For example, they'll pay you $500 if your deductible is lower than the $1,000 in the ridesharing company's policy.
As an added bonus, incorporating ridesharing coverage into a Progressive policy is a breeze. To add a rideshare endorsement to your current auto policy, existing Progressive customers can call 1-855-347-3939.
The only requirement is the amount of liability insurance you hold with Progressive—you must have liability limits of at least $50,000 in
bodily injury liability
per accident, $100,000 in bodily injury liability per accident, and $25,000 in property damage liability
per accident.New Progressive customers can
check online
or call the number above to let them know you're driving for a rideshare company and hoping to get rideshare insurance coverage.RECOMMENDED
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What is the best rideshare insurance company?
Progressive does offer rideshare insurance coverage, but it’s not the only choice on the market. The following providers are some of the best options available for Uber and Lyft drivers right now:
No matter the provider, your ridesharing insurance will be an endorsement to your current personal insurance policy, rather than a stand-alone plan.
Pricing and coverage limitations vary, but your ridesharing endorsement should extend liability insurance, collision, and comprehensive coverage from your existing policy to cover you between when your personal policy stops and your rideshare company's policy kicks in. Rideshare insurance is more expensive than conventional auto insurance, although the additional cost might be as little as $20 per year or as much as $300 per year.
To find the best rideshare insurance provider, get quotes from at least five different companies and compare coverage and price. If possible, you should consult with a representative from each insurer to learn more about the specifics of your policy and how they might affect your premiums.
Should I tell my car insurance company that I drive for Uber?
Yes. You might be putting off alerting your insurance provider about your new ridesharing job because you're afraid it will raise your rates—but the repercussions of not telling them could be far worse.
We'll be honest: if you tell your insurance carrier that you're driving for a rideshare service part-time or full-time, your rate will go up. Driving for Uber and Lyft keeps you and your car on the road for extended periods of time, increasing the likelihood of an accident and the expense of personal insurance.
However, failure to notify the company could result in unpaid claims or even involuntary cancellation, and driving without insurance is illegal and carries severe penalties in almost every state.
The bottom line is that you should never try to conceal your ridesharing driving from your insurance provider. Instead, take the initiative and look into rideshare insurance before you start the job!
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