Progressive Rideshare Insurance: Reviews, Cost, Availability, and More

If you drive for a transportation network company (TNC) like Uber or Lyft, you’ll need additional coverage on top of your standard car insurance policy since your personal car insurance policy doesn’t protect you if you’re using your vehicle for business purposes.

Your rideshare company may also not provide enough coverage if you get into an accident while you’re waiting to accept a ride request. Adding a rideshare insurance endorsement to your policy can fill the coverage gap.

Many reputable car insurance companies, including Progressive, sell rideshare insurance. This article covers everything you need to know about Progressive’s rideshare insurance — including cost, coverage, and customer reviews.

Key Takeaways:

• Progressive customers pay an additional $38 per month for rideshare coverage, on average.
• You must have an existing Progressive car insurance policy to add rideshare coverage.
• Your rideshare coverage kicks in when you log into the app and while you’re waiting for passengers.

Progressive Rideshare Insurance: the Basics

Rideshare insurance is slightly different from standard car insurance. It provides coverage when you’re driving for a ride-hailing service like Uber or Lyft. Because Progressive personal car insurance doesn’t apply when driving for a rideshare company, you’ll need additional rideshare insurance to protect yourself and your vehicle.

Here are some of the most important things to know about rideshare insurance.

Does normal car insurance cover you while driving for ridesharing services?

Your normal Progressive car insurance policy provides limited protection for rideshare drivers. When you drive for Uber or Lyft, you’re technically using your vehicle for business purposes, which personal car insurance doesn’t cover.

You must add Progressive’s rideshare endorsement to your policy to get insurance while transporting passengers. The rideshare endorsement extends the coverage you have under your personal auto policy to the times you’re driving for Uber or Lyft.

Does Progressive Offer Rideshare Insurance?

Yes. Progressive offers a rideshare insurance endorsement to customers who already have a personal car insurance policy with the company. The coverage applies when you’re waiting to accept a ride request, when you’re driving to pick up passengers, and when you’re driving them to their destination.

Progressive’s rideshare insurance endorsement is available in all 50 states.

Let’s look at the cost of rideshare insurance with Progressive and how it stacks up to the rest of the industry.

How Much Does Progressive Rideshare Insurance Cost?

Adding a rideshare endorsement to your car insurance policy will increase your premium — but the rate increase will depend on various factors, such as your location, age, vehicle type, and driving record.

The table below shows how Progressive compares to the rest of the industry in terms of its average monthly premium, average monthly cost for rideshare coverage, and total monthly cost for a policy with rideshare coverage, according to Compare.com data.

Progressive charges an average of $38 per month to add rideshare coverage to your policy — increasing your average total monthly cost to $177, according to Compare.com data. But Progressive’s total cost is slightly less than the industry average.

Notably, Progressive’s average rideshare endorsement premium is among the most expensive. For instance, State Farm’s average monthly rate for rideshare coverage is $23.

That said, the additional cost of rideshare insurance makes it more important than ever to compare personalized rate quotes from several insurance companies. Comparing rates will help you find the most affordable policy for your unique driver profile and coverage needs.

How to Add Rideshare Coverage to a Progressive Car Insurance Policy

Progressive’s rideshare insurance endorsement is only available to existing car insurance policyholders. If you want to add rideshare coverage to your current policy, here are five steps to follow:

1. Contact Progressive: Call Progressive at 1 (855) 347-3939 and request to add a rideshare endorsement to your auto insurance policy. If you’ve worked with a specific agent before, you can also call them directly.
2. Understand your coverages: Progressive extends your personal car insurance coverages to your rideshare endorsement. So, for example, if you have collision and comprehensive insurance, those policies will also apply to your rideshare policy.
3. Choose a deductible: Some rideshare coverages, like comprehensive insurance, require a deductible. Select a deductible you feel comfortable with, and keep in mind that choosing a higher deductible will result in a lower monthly premium but more financial responsibility if you file a claim.
4. Get your quotes: A Progressive agent will calculate your rideshare insurance premium. You can also ask about discounts you might be eligible for, and if you’re satisfied with the quoted rate, the agent will add the endorsement to your policy.
5. Pay the first premium: Before your rideshare endorsement takes effect, you must pay the first month’s premium. After the initial payment, you’ll pay a combined monthly premium for your Progressive personal car insurance and rideshare insurance.

Progressive Rideshare Insurance Reviews: What Other Drivers Are Saying

Before you choose a car insurance company, it’s a good idea to read customer reviews and testimonials. Overall, Progressive doesn’t earn the best ratings on customer review sites like Trustpilot and Better Business Bureau. But it gets good reviews from rideshare drivers overall.

In response to comments about extremely high rates for rideshare insurance, some Progressive customers — like the Reddit user below — say they only pay around $15–$20 extra per month for coverage.

The customer below commented on a Reddit post about Progressive rideshare insurance being “worthless.” They say rideshare with Progressive is affordable and they had a great experience when they filed a rideshare claim with the company.

On the other hand, a few commenters on Reddit mentioned that Progressive’s rates can be high and recommended that the original poster get quotes from other companies. The Reddit user below claims Progressive quoted them $200 per month to add rideshare insurance to their policy.

Progressive Rideshare Insurance Alternatives

Many popular insurance companies offer rideshare insurance to existing customers. Before you choose a rideshare insurance company, it’s a good idea to compare several companies to find the best one for your needs and preferences.

Here are a few of the top insurance companies offering rideshare insurance if Progressive isn’t right for you:

• GEICO: Current policyholders can get commercial insurance policies and rideshare endorsements.
• State Farm: Existing customers can add a rideshare endorsement to their car insurance policy, which adds about 15% to 20% to the existing premium.
• Allstate: Uber and Lyft drivers currently insured through Allstate can add a rideshare endorsement to their auto policy.
• Farmers: The company offers rideshare insurance that provides physical damage coverage when you’re in the app and waiting to accept a ride.

How Does Progressive Rideshare Insurance Work?

Progressive rideshare insurance works in conjunction with the rideshare company’s insurance policy. It provides third-party liability insurance if you cause an accident while driving for a ride-hailing service like Uber and Lyft.

Some of the coverages on your personal auto insurance policy, like collision insurance, comprehensive insurance, uninsured/underinsured motorist (UM), and personal injury protection (PIP), will apply if you get into an accident.

Here’s what you should know about the coverage requirements for Uber and Lyft, and when your Progressive rideshare coverage applies.

What type of coverage do you need for Uber and Lyft?

Uber and Lyft both provide some insurance coverage for drivers. When the app is on and you’re waiting to accept a ride request, both companies provide third-party liability coverage with the following limits:

• $50,000 in bodily injury liability per person
• $100,000 in bodily injury liability per accident
• $25,000 in property damage liability per accident

When you’re driving to pick up a passenger and during rides, Uber and Lyft cover:

• $1,000,000 in liability insurance
• First-party coverages include UM coverage, PIP, and medical payments coverage.
• Collision and comprehensive insurance with a $2,500 deductible (only available if you already have this coverage on your personal car insurance policy).

Even though rideshare companies provide coverage for drivers, it’s still important to supplement with a rideshare insurance endorsement. Rideshare insurance provides coverage during certain phases when your personal car insurance policy and the rideshare company’s insurance don’t apply or provide limited protection.

Learn about when rideshare insurance kicks in and when it doesn’t provide coverage in the section below.

When does rideshare coverage kick in?

Typically, rideshare insurance kicks in when you’re in the rideshare app and able to accept a ride request. It also covers the period when you’re driving to pick up a passenger and during trips. Rideshare insurance doesn’t provide any coverage after you turn off the app.

Progressive Rideshare Insurance FAQs

If you still have questions about Progressive rideshare insurance, check out these answers to common questions.

Is Progressive rideshare insurance worth it?

It depends. Progressive rideshare insurance is worth it for some drivers, particularly if you already have a personal auto policy from Progressive. But there’s no single best rideshare insurance company for everyone, which is why it’s important to compare multiple insurers.

What’s the best insurance company for Uber drivers?

No single insurance company is the best insurer for all Uber drivers. The best rideshare insurance company depends on factors like your location, coverage needs, budget, and preferences.

Does rideshare insurance cover DoorDash?

Yes. Most rideshare insurance policies cover DoorDash drivers, including ones from Progressive. Like Uber and Lyft, DoorDash provides some insurance coverage for delivery drivers, but it’s often limited. Getting rideshare insurance is a good supplement to your personal car insurance policy and DoorDash’s insurance policy.

Do you need to tell your insurance company if you drive for rideshare?

Yes. You should always tell your insurance company if you’re driving for a ride-sharing service or on-demand delivery company. If you don’t tell your insurance company and you get into an accident while you’re ridesharing, your insurer might not cover the claim.

What is rideshare gap protection?

Rideshare gap protection is another name for rideshare insurance coverage. Rideshare insurance fills the gap between what your personal auto insurance policy covers and what the rideshare company’s insurance policy covers.

Data Methodology:

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources:

1. Insurance Information Institute, “Ride-sharing and insurance: Q&A,” accessed August 7, 2024.
2. National Association of Insurance Commissioners, “Uber or Lyft? Protect Yourself When Ridesharing,” accessed August 7, 2024.
3. Lyft, “Insurance resources for Lyft drivers,” accessed August 7, 2024.
4. Uber, “Insurance for Rideshare and Delivery Drivers,” accessed August 7, 2024.
5. Reddit, “Progressive Rideshare Insurance is Worthless, spend more for cheaper deductibles or rental,” accessed August 7, 2024.
6. Reddit, “Progressive Insurance,” accessed August 7, 2024.
7. Doordash, “Understanding Auto Insurance Maintained by DoorDash,” accessed August 12, 2024.