Securing Rideshare Insurance with Progressive: A Guide
Driving for Uber, Lyft, or any rideshare company can be rewarding, but it also comes with unique risks. That’s why having the right insurance is essential. Progressive offers flexible rideshare coverage designed to protect you in every phase of your work — from waiting for a ride to dropping off passengers.
This easy guide explains how to get rideshare insurance from Progressive, what documents you’ll need, and how to compare options to find the best deal for your budget.
How to Get Rideshare Insurance with Progressive
Progressive’s rideshare policy fills the coverage gap between your personal car insurance and what Uber or Lyft provides. Here’s how to get started in just a few steps:
Before applying, gather these key documents:
- Driver’s license
- Vehicle registration
- Proof of your rideshare employment (Uber, Lyft, etc.)
Once you have everything ready, visit the Progressive website or contact an agent to request a rideshare insurance quote. You can also check rates through comparison tools like The Zebra for side-by-side offers.
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Understanding Progressive’s Rideshare Coverage
When driving for a rideshare company, your insurance coverage changes depending on whether your app is off, waiting for a passenger, or driving with one. Progressive’s rideshare endorsement fills these coverage gaps, keeping you protected at all times.
Be honest about how often and where you drive. Drivers who work in low-risk areas or during daytime hours often receive better rates. Keeping your vehicle in top condition and avoiding claims can also help reduce costs.
Progressive also offers safe-driver and telematics programs that track driving habits. Combining these with bundle discounts can lead to big savings. Always check the “app on, waiting for rides” section in your policy to understand your limits.
| Driving Phase | Typical TNC Coverage | Progressive Coverage |
|---|---|---|
| App off (personal use) | Your personal policy applies | Full Progressive coverage |
| App on, waiting for ride | Limited liability only | Progressive adds complete protection |
| Passenger in car | Company policy covers most losses | Works with TNC policy seamlessly |
| Roadside & rental | May vary by provider | Available as an add-on |
How to Save More on Rideshare Insurance
To lower your premiums, drive safely and avoid unnecessary claims. Progressive rewards consistent, careful drivers through its usage-based programs, which can track mileage and behavior for extra discounts.
Bundling home and auto insurance can reduce your overall cost. To explore more saving opportunities, check out our auto insurance comparison by ZIP guide.
If you drive part-time, Progressive also offers pay-per-mile plans that adjust costs based on how much you drive — ideal for flexible or seasonal rideshare drivers.
Frequently Asked Questions
What is rideshare insurance?
Rideshare insurance bridges the gap between your personal car insurance and your company’s coverage, so you’re always protected when the app is on or off.
How does Progressive's rideshare insurance work?
It provides coverage while waiting for passengers, driving to pick them up, or during the trip itself — ensuring continuous protection across all driving phases.
Can I add rideshare coverage to my existing Progressive policy?
Yes. You can easily add a rideshare endorsement to your existing policy without replacing it.
In conclusion: Getting rideshare insurance with Progressive is fast and affordable. Prepare your documents, explore available discounts, and choose coverage that fits your driving habits. With the right policy, you can focus on your passengers and profits with total peace of mind.