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Best Insurance For Delivery Drivers, Rideshares, & Other Gig Drivers
Don’t rely on limited rideshare coverage. Find the insurance you need to stay protected while driving for work.
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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Erica SeppalaErica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well.
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Chelsea KrauseChelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well.
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Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.
Car insurance for delivery drivers, rideshare drivers, and other gig workers can be confusing. If you’re using your personal vehicle for work, you might assume your standard auto policy covers you — but that’s not always the case.
In reality, coverage depends on how and when you’re using your vehicle. If you don’t inform your insurer that you’re using your car for work, your policy may not cover you — and claims could be denied. Here’s where to get the coverage you need.
Best Insurance For Delivery Drivers, Rideshares, & Car Sharing
The best insurance for delivery drivers, rideshares, and car shares includes low deductibles, clear policies, and competitive pricing. The following insurance companies offer the best options for these kinds of drivers:
ERGO NEXT Insurance focuses on small businesses and independent workers, making it a strong option for delivery drivers who need flexible, budget-friendly coverage.
With relatively transparent pricing and customizable policy options, ERGO NEXT can be a good fit for gig workers looking for straightforward commercial auto insurance.
Types Of Coverage
ERGO NEXT offers commercial auto insurance designed for small businesses, including coverage options for delivery drivers.
If you use a personal vehicle for work, you may need to add hired and non-owned auto (HNOA) coverage to extend protection.
ERGO NEXT policies are generally not designed for rideshare use, so drivers working with platforms like Uber or Lyft may need to look for specialized coverage elsewhere.
ERGO Next Pricing
ERGO NEXT provides general pricing guidance upfront, which is less common among larger insurers.
According to the company, some customers pay under $100 per month for commercial auto insurance, though rates vary based on factors such as location, vehicle type, and driving history.
Hired and non-owned auto coverage is available as an add-on, with basic coverage starting at a relatively low monthly cost.
Choose ERGO Next If...
You want affordable commercial auto coverage with simple pricing
Pricing varies, with some average cost examples available
Coverage Options
Comprehensive coverage with customizable policies
Quote Speed
Usually same-day
Pros
Coverage available for car shares
Fast quotes
Complete auto coverage from personal cars to commercial fleets
Cons
May be expensive
Not available in all states
Why We Chose The Hartford
The Hartford is one of the few major insurers that may offer coverage options for vehicle owners using their cars for business-related purposes beyond standard personal use, including some car-sharing scenarios.
While not specifically designed for car-sharing platforms, The Hartford’s commercial auto policies can help fill certain coverage gaps, making it a potential option for individuals renting out their vehicles.
Types Of Coverage
The Hartford offers commercial auto insurance for a wide range of business uses.
For car-sharing hosts, coverage may be available to help protect vehicles used in short-term rental situations, depending on how the policy is structured. However, this coverage is not specifically tailored to platforms like Turo and may require additional underwriting.
The Hartford does not offer rideshare insurance and is generally not designed for independent gig drivers, such as those working for delivery platforms.
The Hartford Insurance Pricing
The Hartford offers customized pricing based on individual risk factors.
Rates vary depending on factors such as your location, driving history, claims history, vehicle type, and coverage needs. To receive an accurate quote, you’ll need to contact the company directly.
Choose The Hartford If...
You’re exploring coverage for business-related vehicle use beyond personal driving
You want a provider that can potentially accommodate more complex or customized use cases
Rideshare endorsement may extend to delivery driving
Deductible reimbursement available
Multiple discounts and savings programs
Fast online quotes and policy setup
Cons
Requires a personal auto policy to add rideshare coverage
Why We Chose Progressive
Progressive offers one of the most comprehensive options for drivers who use their vehicles for both rideshare and delivery work.
With a widely available rideshare endorsement and flexible policy options, Progressive can help cover gaps between personal auto insurance and coverage provided by platforms like Uber, Lyft, and delivery apps.
Types Of Coverage
Progressive offers a rideshare endorsement that extends coverage for drivers working with transportation network companies (TNCs) and, in many cases, delivery platforms.
This coverage can help protect you during periods when you’re logged into an app but not actively transporting a passenger or completing a delivery — times when coverage gaps are most common.
The rideshare endorsement can be added directly to a personal auto policy, allowing for more consistent protection whether you’re driving for work or personal use.
Progressive also offers a deductible reimbursement feature, which can help cover the difference between your personal deductible and the higher deductible required by a rideshare company’s policy.
Progressive Pricing
Progressive offers personalized pricing based on factors such as your location, driving history, vehicle type, and how you use your car.
Drivers can request quotes online and compare multiple coverage levels to find a policy that fits their needs and budget.
The company also offers optional programs, such as usage-based discounts, that may help lower premiums depending on driving behavior.
Choose Progressive If...
You want one policy that helps cover multiple types of gig driving
You drive for both rideshare and delivery platforms
Competitive pricing for military members and families
Highly-rated customer service
Cons
Limited to military members, veterans, and eligible families
Why We Chose USAA
USAA offers rideshare coverage designed specifically for military members, veterans, and their families, making it a strong option for eligible drivers who use their vehicles for gig work.
With competitive pricing and a reputation for strong customer service, USAA stands out for those who qualify for membership.
Types Of Coverage
USAA offers a rideshare endorsement that can extend coverage for drivers working with transportation network companies (TNCs) like Uber and Lyft. In many cases, this coverage may also apply to delivery driving, depending on how the vehicle is used and the policy details.
This endorsement helps cover gaps between your personal auto policy and the insurance provided by rideshare or delivery platforms.
USAA does not offer coverage for car-sharing hosts renting out their vehicles through platforms like Turo or Getaround. Personal auto policies typically exclude this type of use, so separate coverage may be required.
To add rideshare coverage, you must have an active USAA auto insurance policy and meet any applicable coverage requirements.
USAA Pricing
USAA offers personalized pricing based on factors such as your driving history, location, and vehicle type.
Rideshare coverage is typically available as a low-cost add-on to an existing auto policy, though you must first qualify for USAA membership to receive a quote.
Choose USAA If...
You are an active military member, veteran, or eligible family member
You want affordable rideshare coverage from a trusted insurer
State Farm stands out for the variety of discounts available to drivers, making it a strong option for those looking to lower the cost of rideshare insurance.
With nationwide availability and multiple savings programs, State Farm can be a good fit for drivers who want flexible coverage paired with discount opportunities.
Types Of Coverage
State Farm offers a rideshare endorsement — often referred to as transportation network company (TNC) driver coverage — that extends protection for drivers working with platforms like Uber and Lyft.
This coverage helps fill gaps between your personal auto policy and the insurance provided by rideshare companies, particularly during periods when you’re logged into the app but not actively transporting passengers.
State Farm’s rideshare coverage is not designed for delivery drivers or other types of gig work outside of rideshare platforms.
State Farm Pricing
State Farm offers personalized pricing based on factors such as your location, vehicle, driving history, and coverage needs.
Rideshare coverage is available as an add-on to a standard auto policy and typically increases premiums.
Where State Farm stands out is its range of discount programs, including options for safe driving, bundling policies, and maintaining a clean driving record. These programs can help reduce overall insurance costs, depending on eligibility.
Choose State Farm If...
You want multiple discount programs to lower your premiums
You drive for rideshare platforms like Uber or Lyft
Allstate offers flexible options for rideshare drivers, including the ability to add coverage to a personal auto policy or explore alternative policy structures depending on your needs.
This flexibility makes it a strong option for drivers who want more control over how their rideshare coverage is set up.
Types Of Coverage
Allstate’s Ride for Hire coverage is designed for drivers working with transportation network companies (TNCs) such as Uber and Lyft.
This coverage can be added to a personal auto policy to help fill gaps between your personal insurance and the coverage provided by rideshare platforms.
Allstate’s rideshare coverage is not designed for delivery drivers or other types of gig work outside of rideshare platforms.
Allstate Pricing
Allstate offers personalized pricing based on factors such as your location, driving history, vehicle type, and coverage needs.
Rideshare coverage is typically available as an add-on to an existing auto policy, though options may vary depending on how you choose to structure your coverage.
To get an accurate quote, you can start the process online or work directly with an agent.
Choose Allstate If...
You want flexible ways to structure rideshare coverage
You drive for Uber, Lyft, or similar rideshare platforms
Merchant Maverick has been researching and reviewing business insurance since 2020. Our writers have tested over twenty different major insurance companies. In each review, we evaluate pricing, features, customer service, and user reviews.
When comparing different business insurance companies, we consider many data points, including relative pricing, the number of standard insurance policies available, and the ability to create custom policies. Our lists of the best business insurance providers include only those we’ve deemed worthwhile from multiple vantage points and often share qualities such as low cost, a variety of niche business insurance policies, multiple ways to file claims, and excellent customer support.
We spend an average of 10-15 hours researching and updating each one of our lists, ensuring that the business insurance companies included meet our internal standards for quality and reputation.
How To Tell If You Need Extra Rideshare Or Delivery Driver Insurance
When you’re actively driving for a transportation network company (TNC) like Uber, Lyft, DoorDash, or Instacart, limited coverage may be provided by the platform. However, there are gaps — particularly when you’re waiting for a request or between jobs — where your personal policy may not apply.
If you regularly use your vehicle for gig work, you may need additional coverage to ensure you’re fully protected on the road
What Insurance Do Delivery & Rideshare Drivers Need?
Delivery drivers, rideshare drivers, car-sharing hosts, and other gig workers who use their personal vehicles for business purposes may not be fully covered by a standard auto insurance policy.
To stay protected, you may need additional coverage depending on how you use your vehicle.
Rideshare Insurance
If you drive for a rideshare service like Uber or Lyft, the company may provide limited coverage while you’re actively transporting a passenger.
However, personal auto policies typically exclude business use. If your insurer isn’t aware you’re driving for a rideshare platform, your coverage could be denied in the event of a claim.
Rideshare insurance helps fill the gap between personal and company-provided coverage, particularly during periods when you’re logged into the app but not actively driving a passenger.
Delivery Driver Insurance
Many delivery platforms, such as DoorDash, Postmates, and Uber Eats, offer some level of commercial auto coverage while you’re completing deliveries. However, drivers are still required to maintain their own personal auto insurance.
As with rideshare driving, failing to disclose business use to your insurer can result in denied claims. Depending on your provider, you may be able to add coverage through an endorsement or may need a separate commercial auto policy.
Insurance For Car Sharing
Car-sharing platforms like Turo and Getaround allow you to rent out your personal vehicle. However, this type of use is typically excluded from standard auto insurance policies.
While these platforms may provide coverage during the rental period, you’ll still need personal insurance for times when your vehicle is not in use. In many cases, your insurer may require you to add commercial or rental-related coverage if you plan to participate in car sharing.
Not all insurers offer these types of specialized coverage, so you may need to look beyond your current provider to find the right policy.
In many cases, this coverage is offered as an add-on, which may require switching insurers to get the protection you need.
To help you compare options, we’ve identified the best insurance providers for:
Rideshare drivers (Uber, Lyft, and similar platforms)
Delivery drivers (DoorDash, Grubhub, Postmates, and others)
Car-sharing hosts (Turo, Getaround, and similar services)
The Bottom Line On Delivery & Rideshare Insurance
Rideshare and delivery insurance can be confusing because it sits between personal and commercial coverage. In many cases, standard auto policies don’t fully cover business use, which can leave gaps in protection.
If you regularly use your vehicle for gig work, it’s important to understand how your coverage works and whether you need additional protection, such as a rideshare endorsement or commercial policy.
Taking the time to review your options — and choosing a policy that matches how you actually use your vehicle — can help you avoid unexpected costs and ensure you’re properly covered on the road.
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
View Erica Seppala's professional experience on LinkedIn.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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