Rideshare & Delivery Insurance Calculator
Driving for Uber, Lyft, DoorDash or Instacart? See the extra coverage cost you need on top of your personal policy.
Your numbers
Extra annual coverage cost
$248
on top of personal policy
Added per month
$20.63
Cost per driving hour
$0.24
Insight — Your personal policy almost certainly excludes claims while the app is on — a single denied claim can cost far more than years of proper coverage. An endorsement is the cheapest fix for part-time drivers; full-time drivers often need a commercial policy.
Cover your rideshare miles
Personal policies often exclude app driving. Benchmark the cost here before you buy a rideshare endorsement.
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How this tool estimates: a rideshare endorsement adds roughly 15% to a part-time driver's personal premium, while a commercial policy for heavy full-time use can more than double it. Your actual cost depends on your insurer, state and hours — these are illustrative assumptions, not quotes.
Good to know
Clear, practical answers about the rideshare insurance calculator.
Does my personal car insurance cover Uber or DoorDash?＋
Usually not. Most personal auto policies exclude any period when you're logged into a rideshare or delivery app. The platform provides limited coverage during a trip, but there's a well-known gap when the app is on and you're waiting for a request — which is exactly what rideshare coverage closes.
Is a rideshare endorsement enough, or do I need commercial insurance?＋
For part-time drivers, a rideshare endorsement added to your personal policy is usually enough and far cheaper. Drivers who do it full-time, drive a high-value vehicle, or deliver for multiple platforms often need a commercial auto policy for adequate protection.
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