Rideshare Insurance Calculator

Rideshare driving is commonly split into Period 1 (app on, waiting for a ride request) and Periods 2-3 (en route to or transporting a passenger). Standard personal auto policies typically exclude commercial activity, so they often don't respond in Period 1. The rideshare companies do carry contingent third-party liability during Period 1 — commonly $50,000 per person and $100,000 per accident for injuries plus $25,000 for property damage, though several states set different minimums — so the gap is usually not a total absence of liability coverage. What is genuinely missing in Period 1 is coverage for your own car: the rideshare companies' contingent comprehensive and collision coverage only begins once you accept a ride, so damage to your own vehicle while you're waiting is on you unless an endorsement or commercial policy fills it. Check your own rideshare company's current coverage page and your state's TNC statute, since both the limits and the state minimums change.

This calculator applies a simplified assumption that about 40% of your total rideshare hours are spent waiting for a request (Period 1) and 60% are spent en route to or with a passenger (Periods 2-3). Your actual split depends heavily on the market you drive in and time of day, so treat this as an illustrative estimate of gap exposure rather than a measurement of your specific pattern.

A rideshare endorsement is a relatively low-cost add-on to your existing personal auto policy that extends coverage to fill the rideshare gap, while a full commercial policy replaces your personal coverage entirely with a dedicated policy built for livery/TNC use. Endorsements are cheaper and adequate for lighter drivers, while heavier drivers who spend many hours per week driving often find a commercial policy's broader coverage worth the higher cost. Note that the two carry different deductibles too: your personal policy's own deductible applies under an endorsement, but rideshare companies commonly apply a separate roughly $2,500 deductible to their own contingent comprehensive/collision coverage in Periods 2-3 — Worst-Case Claim Deductible takes the larger of the two, since which one actually governs depends on which policy responds to the claim.

It's a simple threshold based on your weekly rideshare hours: 10 hours or fewer suggests an endorsement is likely sufficient, 11 to 30 hours suggests a hybrid approach (a dedicated rideshare policy that blends personal and commercial coverage), and more than 30 hours suggests a full commercial policy is worth considering. This calculator only prices the endorsement and the full commercial policy, because hybrid rideshare products are offered by a narrower set of carriers and priced too differently by state and company to estimate meaningfully. If your hours land you in the hybrid band, read the endorsement and commercial figures as the lower and upper bounds and get a real quote for the middle — this is a general rule of thumb, not a substitute for a licensed insurance agent's assessment of your specific risk and state requirements.

No — the endorsement and commercial premium figures here are simplified estimates meant to illustrate the relative cost trade-offs between coverage options, not real, current rate filings from any specific insurer. Actual rideshare insurance pricing varies by state, insurer, your driving record, the rideshare company you drive for, and your vehicle, so use this as a starting comparison before requesting real quotes.