Safeco RideSharing Coverage™

Sharing Your Ride Now Comes With a Little More Protection

Currently available in Arizona, ​​Colorado, Illinois, Indiana, Ka​nsas, Minnesota, Missouri, ​​Oklahoma, Oregon, Tennessee, Utah, Washington and Wisconsin. Talk to your independent insurance agent to purchase.

Auto Insurance Coverage for Rideshare Drivers

Rideshare More. Worry Less.

So you’re a rideshare driver, generating extra income or maybe even working full-time using your personal vehicle to transport others. You love the freedom of setting your own hours and traversing the city with interesting people in tow. What you might not love? The gap in your auto insurance coverage that happens when you drive for a transportation network company (TNC), such as Uber or Lyft.

Nearly every carrier’s auto policies exclude coverage for incidents that occur when a personal vehicle is used to transport paying passengers, such as during ridesharing.

Where's Your Coverage Gap?

The entire time your TNC app is on, your personal auto policy is suspended. Your TNC does provide coverage, but only for the period of time between accepting the passenger and dropping off the passenger. No passenger, no coverage* for your vehicle and any damages or injuries you may sustain or cause.

Safeco RideSharing Coverage steps in to cover you between passengers, effectively closing the gap.

RideSharing Coverage

Safeco RideSharing Coverage Fills in the Gap – and Then Some

  • Extend your personal auto policy: With Safeco RideSharing Coverage, you get nearly the same coverage during applicable ridesharing activities as you do any other time you drive. Most of the coverages and options you selected for your Safeco auto policy extend to your RideSharing Coverage.
  • Cover your ridesharing gap for mere cents a day: You’ll likely pay less than $10 a month for Safeco RideSharing Coverage, which is currently available in Colorado, Illinois and Indiana and will expand to additional states soon.
  • Identify which vehicle you use for ridesharing: Your RideSharing Coverage will only apply to the vehicle specified on your policy. If you have other vehicles insured with Safeco, the coverage will not apply to them unless you purchase coverage for each one.
  • Get around-the-clock claims service: Should you have a claim, you can reach Safeco 24 hours a day, seven days a week by calling 1-800-332-3226. We’re always here to help.

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* No coverage for comprehensive and collision. TNC could provide potentially lower liability limits than your personal policy. Not available in all states.

© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.