Do all insurance companies offer ridesharing coverage?

I'm going to start driving for Lyft. I know I need special insurance for ridesharing. Do all insurance companies offer it or will I need to find a special company?

Answer provided by
Emily Maracle
Answered on Jul 15, 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.
“Although ridesharing has become incredibly popular, not every car insurance company offers coverage.
Rideshare insurance is designed to protect your vehicle from damage while you are using it for ridesharing. Since ridesharing is considered a business activity, your personal auto policy would not provide coverage.
Without rideshare insurance, you’d be responsible for any damage that occurs while using your vehicle for the service.
Some carriers that offer ridesharing coverage are:
To find out whether your current carrier offers coverage, you should reach out to them directly.
If they don’t offer coverage, you’ll want to shop around. You should be able to find a carrier that will offer affordable car insurance that includes rideshare coverage.”

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