California Rideshare Insurance: Protection for Drivers – Ridester (blog)


Uber and Lyft are two of the most important ridesharing corporations on the earth, and their humble begin in Silicon Valley made method for a completely new sort of auto protection within the space: California rideshare insurance coverage.

And it’s for good cause.

California is house to more rideshare drivers than some other state. So it is sensible that this new sort of insurance coverage can be pioneered right here.

Related: The Definitive Guide To Rideshare Insurance

Which Companies Provide California Rideshare Insurance?

Allstate, Farmers, Liberty Mutual, Mercury, Met Life, State Farm, and USAA are six of the most important gamers that presently supply California rideshare insurance coverage.

The insurance policies that these corporations supply vary extensively in scope, and every one gives a special sort of protection for totally different causes.

Let’s check out every.


Allstate’s California rideshare insurance coverage coverage provides a further layer to a driver’s private insurance coverage coverage, focusing in on Period 1.

In addition, these kinds of insurance policies additionally supply protection to bridge the “Coverage Gap” that arises when drivers are logged right into a rideshare app and ready for a passenger request to return in.

Their “Ride for Hire” coverage provides an additional layer of safety to permit drivers to select up and drop off passengers with out dropping sleep over their protection. Policies can value as little as $15-20 per yr, making Allstate an incredible choice for California drivers wanting for rideshare insurance coverage.

Liberty Mutual

Liberty Mutual insurance in California is one other nice choice for rideshare drivers. This firm provides insurance policies at aggressive charges and gives in depth billing choices.

And don’t quote us on this, however from what we’ve discovered it looks like a few of their private auto insurance coverage insurance policies may probably prolong to ridesharing.

Liberty Mutual California Rideshare Insurance Screenshot

As I stated, we don’t know for positive, however it appears like this could be the case based mostly on one current discussion board submit for Uber drivers. It’s value a name to your insurance coverage agent to seek out out.


A Mercury California rideshare insurance coverage coverage is an alternative choice to think about when buying round.

According to their web site, “Mercury Insurance can provide the coverage you need, and the best part is that it can cost as little as $0.20 a day! That’s right, you can protect your vehicle, family and livelihood for as little as a few pennies a day.*”

These varieties of insurance policies purpose to fill the Coverage Gap, offering drivers with top quality insurance coverage that extends protection in Period 1.

(866) 592-0056

Met Life

MetLife, one of many nation’s main insurance coverage corporations, recently announced distinctive protection choices, together with a coverage that gives California rideshare insurance coverage protection.

MetLife’s rideshare insurance coverage coverage “offers coverage for rideshare drivers at every stage of the trip: while the driver is logged into the app and waiting for a passenger request, is en route to pick up a passenger, and during the trip with the passenger.”

The value of the premiums on these kind of insurance policies range based mostly on the quantity of miles a drivers truly drives.

State Farm

If you’re wanting for California rideshare insurance coverage, one other nice choice is to take a look at State Farm’s Rideshare Driver Coverage.

Having a coverage from this firm will cowl drivers in Period 1, Period 2, AND Period three. This provides simply one other strong layer of protection to defend you from legal responsibility and undesirable bills in case of an accident.

A coverage from State Farm in California, in line with their web site, provides about 15 to 20 % to a present State Farm premium, relying on the protection choices chosen.


If you’re wanting for a California rideshare insurance coverage choice that begins at solely $6 per thirty days, then look no additional than USAA’s policy.

The insurance policies provided by this firm add one other layer of safety to drivers, serving to offset the price of automotive repairs, medical payments, and different accident-associated bills.

In addition, there’s a whole suite of protection choices to satisfy most budgets and wishes. This opens up the door for most drivers, leaving them with little excuse to not be coated.

USAA rideshare insurance coverage - California rideshare insurance policy graphic

The kicker to USAA is that they solely serve army group members and their household. While a terrific choice, the choices are restricted to a sure group that most individuals gained’t be eligible for.

My Take: Cheapest Rideshare Insurance California

It’s exhausting to inform which choice from above is the most cost effective California rideshare insurance coverage coverage. The costs of every coverage actually simply rely in your driving report, protection ranges, and quite a lot of different elements which are distinctive to you.

What we will say, nevertheless, is that drivers ought to store round and worth out as many various quotes as attainable.

What is the perfect California rideshare insurance coverage coverage? Which would you advocate to different drivers? Let us know within the feedback under!

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