Texas Rideshare Insurance for Uber and Lyft Drivers
Farmers and Geico are the only insurance that will insure both Lyft and Uber drivers. USAA also insures Lyft and Uber drivers but you will need to be an active or past military member or related to a military member. These three companies are the cheapest options. Metlife will only insure Lyft drivers. Allstate is listed to offer rideshare insurance in this state but the policies are unavailable as of January 2016. See below for more information.
- Farmers: Farmers Rideshare insurance is not available for sale online. Call 1-855-808-6599 or talk to your Farmers agent to add this new coverage in Arkansas, Arizona, California, Colorado, Kansas, Minnesota, Nevada, Ohio, Oklahoma, Texas, Utah, and Wisconsin! With Farmers Rideshare, you can avoid a potential gap in coverage by extending your personal auto insurance coverage when you are logged in and waiting to be matched with your next rider.
- Geico: If you live in CT, GA, MD, OH, PA, TX, or VA and have been approved to drive for Uber (UberX and UberXL), Lyft and other on-demand services, you may be eligible for GEICO Ridesharing Insurance. GEICO’s ridesharing policy is the affordable alternative that covers your vehicle for personal use, ridesharing and other on-demand services. Bridging the gap, this “hybrid auto policy” provides coverage when the rideshare app is off, when it is on with no passengers in the vehicle, and when it is on with passengers (subject to exclusions and conditions).
- Metlife (Lyft only): MetLife Auto & Home® and Lyft, one of the nation’s leading ridesharing companies, announced today that Lyft drivers in California—one of the largest ridesharing states—now have access to a unique auto insurance policy tailored specifically for Lyft drivers. The policy was first made available to Lyft drivers in Colorado, and expanded to Illinois, Texas and Washington earlier this year.
- Allstate : They are in the process of getting their policies running in the above listed states, so it is unclear if it is actually available for purchase. You can go to Allstate’s website for more information.
- USAA- USAA auto insurance policy provides gap protection coverage that protects its members during the “unmatched phase” — the time they are logged in to the ridesharing app but are not yet matched with a fare. Once a fare is accepted, the driver is covered by the ridesharing service’s commercial insurance policy.
To see rideshare insurance options in all 50 states, you can view them here: