Can I purchase an insurance policy for ridesharing coverage only?

I don't want any other insurance coverage beyond ridesharing. Is it possible to get insurance for only that?

Answer provided by
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Emily Maracle
Answered on Jul 16, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Whether or not you can get standalone rideshare insurance depends on the carrier.
Most car insurance companies offer rideshare coverage as a policy add on. This means you’d be required to have an existing policy with them to add on coverage.
There are some carriers that do offer standalone policies, but they will likely be more expensive.
Since ridesharing is considered commercial or business use, standalone rideshare policies will be significantly more expensive than a personal auto policy with rideshare added on.
If you are looking to save money on your car insurance, you may be able to keep the state minimum car insurance on your vehicle with rideshare added on.
Carrying liability car insurance only will always be the cheapest option for insurance. However, there may be certain coverage requirements for ridesharing.”
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