Rideshare insurance guide • Coverage by app phase
Progressive Rideshare Insurance: How the Coverage Works
Progressive rideshare insurance is an add-on to a Progressive personal auto policy for drivers who work for rideshare companies such as Uber or Lyft. According to Progressive, it requires rideshare coverage on your personal policy if you drive for a rideshare company, and the add-on mainly fills the gap while your app is on and you are waiting for a ride request.
This guide explains what the add-on covers in each phase of rideshare driving, how deductible reimbursement works, how delivery driving fits in, and how to compare options. Blake Insurance Group is an independent agency and is not affiliated with Progressive; we can compare rideshare coverage from companies available to us.
Compare rideshare coverage
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Coverage in each phase of rideshare driving
| Phase | Liability | Your car's damage | Notes |
|---|---|---|---|
| App off | Your personal auto policy | Your comprehensive and collision | Normal personal driving |
| App on, waiting for a request | Your Progressive policy with the add-on is primary; the TNC may add more | Your Progressive comprehensive and collision | UM and medical coverage apply to you, not guest passengers, per Progressive |
| Ride accepted and passenger on board | The TNC's commercial policy | TNC coverage, which may depend on your personal coverage | Progressive roadside and rental may apply if on your policy |
Based on Progressive's rideshare coverage page, reviewed October 2026. Coverage varies by state and policy.
The waiting phase is the classic gap. Without an add-on, many personal policies exclude coverage while you are logged in to a rideshare app, and the TNC's coverage during that phase is often more limited than during an active trip.
Deductible reimbursement
TNC commercial policies often carry high physical damage deductibles. Progressive says that if the TNC's deductible is higher than your personal deductible, it reimburses the difference. Its example: with a $1,000 TNC deductible and a $500 personal deductible, Progressive pays you $500. Confirm how this works in your state and which coverages it applies to.
Delivery driving
Progressive says that in most states its rideshare coverage also applies when you deliver through platforms such as Uber Eats and DoorDash, but that the division between your policy and the delivery company's insurance varies by state. Delivery platforms provide different coverage than passenger rideshare, and some provide little or none during certain phases. If you drive for several apps, tell your insurer about each one.
What state law requires of rideshare companies
Most states require transportation network companies to carry insurance for their drivers. Many follow a model in which, during the waiting phase, coverage must be at least 50/100/25 in liability with additional excess coverage, and during an accepted trip at least $1 million in liability. Some states set different figures; California, for example, requires 50/100/30 plus $200,000 in excess liability during the waiting phase. The details differ by state, and TNC policies can change, so check your platform's insurance page. Our rideshare insurance guide covers this in more depth.
How to compare rideshare coverage
- List each app you drive for and how many hours a week you are logged in.
- Ask each insurer whether its add-on covers the waiting phase and delivery apps in your state.
- Compare deductible reimbursement and rental coverage while your car is repaired.
- Match liability, uninsured motorist, comprehensive, and collision limits on every quote.
- Ask whether full-time driving requires a commercial policy instead.
Personal coverage terms to match
| Coverage | What it pays for | What to match |
|---|---|---|
| Bodily injury liability | Injuries you cause to others | Per-person and per-accident limits, such as 100/300 |
| Property damage liability | Damage you cause to others' property | Same limit on both quotes, such as $100,000 |
| Uninsured/underinsured motorist | Your injuries when the at-fault driver lacks enough coverage | Same limits; ideally equal to your liability limits |
| Collision | Damage to your car from a crash | Same deductible |
| Comprehensive | Theft, fire, hail, flood, animal strikes, glass | Same deductible; note any glass option |
| Medical payments or PIP | Medical costs for you and passengers | Same limit; PIP rules depend on your state |
| Rental and roadside | Transportation during repairs; towing | Same daily and total limits |
Limits shown are examples, not recommendations. State minimum requirements differ.
If you have an accident while driving for an app
- Check for injuries and call 911 if needed.
- Take screenshots of your app status at the time of the accident. This determines which coverage applies.
- Exchange information and photograph the scene.
- Report the accident to the rideshare company through the app.
- Report it to your personal insurer and say you were driving for an app.
Failing to tell your insurer you were driving for an app can lead to a claim denial or policy cancellation.
How your state affects rideshare coverage
Car insurance is regulated state by state, which affects any company comparison:
- Minimum liability limits differ widely. State minimums are often far below what a serious accident costs, so many drivers choose higher limits.
- No-fault states require personal injury protection, which changes how injury claims are paid.
- Rating factors differ. Some states limit or ban the use of credit-based insurance scores, gender, or occupation in pricing.
- Uninsured motorist rules differ. Some states require it; others require insurers to offer it and let you reject it in writing.
- Company availability differs. A company's programs, discounts, and appetite in one state may not match another.
A comparison that is accurate in one state can be wrong in the next, which is another reason to compare actual quotes for your address rather than national averages.
Rideshare add-on vs. commercial insurance
| Option | Who it fits | What to know |
|---|---|---|
| Personal policy without add-on | Not recommended for app drivers | Many personal policies exclude coverage while you are logged in to an app |
| Rideshare add-on or endorsement | Part-time and many full-time app drivers | Fills the waiting-phase gap; TNC insurance applies during trips |
| Hybrid rideshare policy | Drivers in states where offered | Some insurers offer a single policy covering personal and rideshare use |
| Commercial auto or livery policy | Drivers who carry passengers outside TNC apps, or fleet operators | Higher cost; required for some types of commercial driving |
Availability depends on your state and insurer.
Tips for rideshare drivers
- Keep screenshots or trip logs showing when you were logged in and on trips.
- Carry roadside and rental reimbursement, which help you get back to work faster after a covered loss.
- Review your platform's insurance page at least once a year, since TNC coverage changes.
- Consider higher uninsured motorist limits, since you spend more time on the road than most drivers.
- Tell your insurer whenever you start driving for a new app.
What rideshare coverage costs
Rideshare add-ons generally cost far less than a commercial auto policy, though the amount varies by insurer, state, vehicle, and driving record. The price depends on how the add-on is structured: some insurers charge a flat amount, while others apply a percentage to the personal premium. When comparing, look at the total premium with the add-on, not just the add-on charge, since the base personal premium can differ more than the endorsement does. Also compare deductibles, because a lower add-on price can come with less generous deductible reimbursement or rental coverage.
What to have ready for a rideshare quote
These details help quote rideshare coverage accurately.
- Apps you drive for. Rideshare and delivery platforms.
- Hours per week. Time logged in and on trips.
- Vehicle details. VIN and current mileage.
- Current declarations page. To match limits and deductibles.
- Driving history. Accidents and violations in recent years.
Progressive rideshare insurance FAQs
Can Blake Insurance Group add Progressive rideshare coverage to my policy?
No. We are not affiliated with Progressive. Progressive lists 1-855-347-3939 for adding coverage. We can compare rideshare options available to us.
Does Progressive require rideshare coverage?
Progressive says it requires rideshare coverage on your personal policy if you drive for a rideshare company.
Does the add-on cover me during a trip?
During an accepted trip, the TNC's commercial policy generally provides liability. Progressive coverages such as roadside and rental may apply if on your policy.
Does it cover delivery driving?
In most states, according to Progressive, though the split with the delivery company's insurance varies.
What is deductible reimbursement?
Progressive reimburses the difference when the TNC's deductible is higher than your personal deductible.
Are my passengers covered while I wait for a request?
Progressive says UM and medical coverages in that phase apply to you, not guest passengers.
Do I need commercial insurance?
Usually not for part-time app driving with an add-on, but full-time or livery work may require commercial coverage.
What if I do not tell my insurer I drive for an app?
A claim could be denied or your policy cancelled. Always disclose app driving.
Is Progressive rideshare coverage available in every state?
Availability and details vary by state. Check with Progressive for your state.
How much does a rideshare add-on cost?
It varies by insurer, state, and driver. Compare the total premium with the add-on included.
Does the rideshare add-on change my personal coverage?
Your personal coverage continues to apply when the app is off. The add-on extends coverage into the waiting phase.
Should I keep records of my app activity?
Yes. App status at the time of a loss determines which policy applies, so screenshots and trip logs help.
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Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Not affiliated. Blake Insurance Group is an independent insurance agency. We are not Progressive, are not affiliated with or endorsed by Progressive, and this page does not state that we are appointed to sell Progressive policies. Company names are trademarks of their owners and are used for identification only. Information about Progressive comes from its public materials and may change.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
If you drive for an app, make sure every phase is covered. Request a quote and tell us which apps you drive for.
