What is rideshare coverage?
Do you use your personal car as a rideshare driver for a Transportation Network Company (TNC)? Their insurance may not cover what you might expect. If you’re a State Farm® auto insurance policyholder, extend your coverage by taking advantage of our competitively priced rideshare driver coverage.1
Talk to a State Farm agent
Why pick State Farm Rideshare Driver coverage?
More protection
More protection
Our additional rideshare driver coverage simply extends the coverage that you already have on your personal State Farm auto policy. It also provides protection on top of the coverage maintained on your behalf by the TNC.
Matching coverages
Matching coverages
You’ll receive the full protection offered from your personal auto policy, including the limits and deductibles. You’ll get the same protection levels extended while you are on the app.
Familiar folks
Familiar folks
If you ever need to file a claim for a covered loss, you’ll work with folks you already know. You’ll deal directly with State Farm.
When does rideshare driver coverage apply?2
Think about time periods. Our rideshare coverage may help protect you from when your app is on to delivering your rider.
|
Time frames |
App on – Available for hire You have the rideshare app on but are not yet connected with a paying customer. |
Matched with rider You’ve connected with a customer |
Transporting A paying passenger is in the car with you, driving to their destination. |
|
Liability to others |
Rideshare driver coverage5 |
Transportation Network coverage |
Transportation Network coverage |
|
Damage to your car3 |
Rideshare driver coverage5 |
Rideshare driver coverage5 |
Rideshare driver coverage5 |
|
Medical coverage4 |
Rideshare driver coverage5 |
Rideshare driver coverage5 |
Rideshare driver coverage5 |
Liability to others
App on – Available for hire
You have the rideshare app on but are not yet connected with a paying customer.
Rideshare driver coverage5
Matched with rider
You’ve connected with a customer and are heading to pick them up.
Transportation Network coverage
Transporting
A paying passenger is in the car with you, driving to their destination.
Transportation Network coverage
Damage to your car3
App on – Available for hire
You have the rideshare app on but are not yet connected with a paying customer.
Rideshare driver coverage5
Matched with rider
You’ve connected with a customer and are heading to pick them up.
Rideshare driver coverage5
Transporting
A paying passenger is in the car with you, driving to their destination.
Rideshare driver coverage5
Medical coverage4
App on – Available for hire
You have the rideshare app on but are not yet connected with a paying customer.
Rideshare driver coverage5
Matched with rider
You’ve connected with a customer and are heading to pick them up.
Rideshare driver coverage5
Transporting
A paying passenger is in the car with you, driving to their destination.
Rideshare driver coverage5
What does rideshare driver coverage cost?
Our rideshare driver coverage generally adds about 15 to 20 percent to your current State Farm premium, depending on the coverages you've chosen for your personal auto policy, any discounts that may apply, and other rating factors. It's a simple way to extend the limits and deductibles from your personal auto policy to cover you while you are driving for a TNC (some state-specific requirements may apply).
Talk to a State Farm agent for a rideshare insurance quote
Disclaimer
1 Our endorsement is called Transportation Network Company Driver Coverage except in D.C. which is Private Vehicle-For-Hire Company Operator Coverage.
2 Coverage varies by state. State Farm Rideshare Driver Coverage is the same as the 6015 TNC endorsement.
3 Physical damage coverages of comprehensive and collision, and Rental and Emergency Road Service coverage apply if you selected these options on your personal auto policy.
4 Medical coverage applies if you selected this option on your personal auto policy.
5 Coverage maintained on your behalf by your Transportation Network Company may also apply. See your Transportation Network Company for details.
Disclosures
This is a general description of coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverages and their availability may vary by state. For further information, please see a State Farm agent.
Each State Farm insurer has sole financial responsibility for its own products.
State Farm Mutual Automobile Insurance Company State Farm Indemnity Company (Licensed in NJ) Bloomington, IL
State Farm County Mutual Insurance Company of Texas (Licensed in TX) Richardson, TX
SMA-40068.3 06-2021
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