Exploring Allstate’s Rideshare Insurance Options
Driving for Uber or Lyft is a smart way to earn more. But a regular auto policy may not cover you when the app is on. Allstate offers a rideshare add-on that fills this gap, so you’re protected while you wait for a request, head to a pickup, and drive a rider.
Below, you’ll see how this coverage works, how it differs from a standard policy, and simple ways to lower your price as a rideshare driver.
Key Features of Allstate’s Rideshare Coverage
Allstate bridges the space between personal and commercial insurance. Protection starts the moment you log in to the app—well before a rider gets in. That’s the gap many personal policies leave open, which can expose you to big bills after a crash.
Get Auto Insurance Quotes
Compare quotes to find rideshare coverage that fits your budget.
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Check home options and bundle for extra savings.
How Allstate Protects Rideshare Drivers
Coverage follows your app status in three simple stages: waiting for a request, en route to the pickup, and on trip. This continuous protection helps prevent costly gaps.
You can add collision and comprehensive to cover your car from theft, fire, weather, or a crash. For rideshare use, that physical-damage protection can apply while the app is on (subject to program rules and deductibles). Consider add-ons like rental reimbursement (keeps you driving if your car is in the shop), roadside assistance, glass coverage, and—if you finance/lease—GAP to bridge a total-loss shortfall. After any incident, take photos, capture dashcam clips if available, file the in-app safety/incident report, and notify Allstate promptly to avoid delays. For a smooth claim experience at home or on the road, see our step-by-step guide: how to claim home damage with Allstate quickly.
Discount Opportunities and Cost Factors
Keep a clean record, use safe-driving telematics, and consider bundling home and auto. Driving fewer miles can also help. Ask about a defensive driving course credit in your state.
| Action | What It Does | Potential Impact* |
|---|---|---|
| Enroll in Allstate Drivewise® | Rewards gentle braking, smooth speed, and off-peak trips | Up to ~10–15% where available |
| Bundle Home + Auto | Applies multi-policy discount | Often ~10–25% |
| Defensive Driving Course | May lower points or surcharges | Small recurring credit |
| Low-Mileage Use | Shows reduced risk exposure | Often ~5–10% |
*Actual discounts vary by state, rating factors, and program rules. And if you’re comparing alternatives for rideshare pros, review Esurance insurance quotes side by side.
Frequently Asked Questions
These quick answers cover the most common questions from Uber and Lyft drivers.
What discounts does Allstate offer for Uber drivers?
Safe-driving, rideshare, and multi-policy discounts may apply. Ask which ones are available in your ZIP.
How can I qualify for the rideshare discount?
Add the rideshare endorsement to your Allstate policy. It covers personal and app use under one plan.
Can I bundle my auto insurance with home insurance?
Yes. Bundling often reduces the total premium and makes billing simpler.
Is it worth switching to Allstate for rideshare?
Many drivers prefer the seamless app-on protection. Compare quotes to see if the total cost and features beat your current setup.