Rideshare Insurance for Uber & Lyft Drivers in Dallas, DeSoto & Waxahachie
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Close Your Coverage Gaps & Protect Yourself While Driving
If you drive for Uber, Lyft, or any other TNC (Transportation Network Company), you may be surprised to learn that their insurance does NOT fully cover you in every situation. The National Association of Insurance Commissioners (NAIC) notes that rideshare companies provide limited commercial coverage, but coverage changes depending on what “phase” of the ride you are in.
On top of that, personal auto insurance excludes business use, which often leaves big gaps.
That’s where rideshare endorsements and rideshare gap coverage come in.
To learn more, or review your current coverage for free, call Michael Sifford in Dallas, DeSoto & Waxahachie, TX today!
Why Rideshare Insurance Matters In Dallas, DeSoto & Waxahachie, TX
A ridesharing endorsement helps fill the gaps between:
- Your personal auto policy
- Your rideshare company’s (TNC) commercial policy
Without it, you may be stuck paying for damages, injuries, or deductibles out of pocket.
Example:
If you log into the app and go through a drive-thru before a ride request—your personal policy may deny a claim, and Uber/Lyft may not cover that period. A rideshare endorsement protects you in exactly those moments.
What Rideshare Insurance Typically Covers
We help all types of drivers find affordable, reliable car insurance including:
Liability Coverage
Covers injuries or property damage you cause.
Personal liability usually stops when you turn the app on—but the TNC only provides minimal liability coverage until you accept a ride.
Rideshare endorsement → fills that gap.
Collision & Comprehensive Coverage
Pays for repairs to your own vehicle.
If an accident happens while the app is on, your personal policy won’t help unless you have a rideshare endorsement to extend your coverage.
Medical Payments / PIP
Helps cover your medical bills.
Some TNCs don’t include this—your endorsement may extend your PIP coverage.
How Rideshare Coverage Works (3 Phases)
Phase 1
App On / Waiting for a Ride Request
This is where most coverage gaps occur.
The TNC generally provides very low liability limits and no coverage for your vehicle.
Your rideshare endorsement can extend:
- Liability
- Collision & Comprehensive (if included in your personal policy)
- Medical Payments/PIP
Phase 2
Accepted a Ride & Driving to Pick Up Passenger
TNC coverage increases to around
$1,000,000 liability, but often:
- You must pay a high deductible (sometimes $2,500).
- Your medical bills may not be covered.
Rideshare endorsement → can help fill these gaps and reduce out-of-pocket expense.
Phase 3
Passenger in the Vehicle
TNC coverage remains high during the active trip, but endorsements may still:
- Reduce your deductible
- Supplement missing coverages
- Offer additional personal protection
Personal Use / App Off
Once you sign out, your personal auto policy resumes like normal.
Rideshare Insurance Can Lower Your Deductible
TNC deductibles can be steep—often $2,500 for collision or comprehensive.
Your personal policy might have a $500 deductible.
A rideshare endorsement can cover the difference, saving you thousands if you’re involved in an accident while actively driving for Uber or Lyft.
How Much Does Rideshare Insurance Cost In Dallas, DeSoto & Waxahachie, TX?
Costs depend on many factors, but typically:
- According to a statewide review, the average extra cost for rideshare coverage in Texas is around US$51/month on top of the base premium, according to Compare.com
- For full-coverage policies (liability + comprehensive/collision + rideshare endorsement), some drivers report total monthly premiums ranging approximately US$135–200/month.
- In other cases (depending on insurer, driving record, and the level of coverage), full-coverage rideshare policies could run higher — for example, some estimates show riders paying up to US$200–235/month, or more depending on added protections.
What Affects the Cost
- Whether you choose liability-only coverage vs full coverage (with collision and comprehensive) — full coverage raises the premium.
- Your driving history, type of vehicle, and how much you drive (full-time rideshare vs part-time).
- The
insurer you use. Some insurers tend to offer cheaper add-ons than others.
Most drivers find that rideshare insurance is very affordable—especially compared to the risk of going without it.
How to Get Rideshare Insurance
Simply contact us and we’ll:
- Review your current auto policy
- Check whether your carrier offers rideshare endorsements
- Provide quick quotes with immediate coverage options
- Give you a free coverage review so you understand every gap
- Help you compare rideshare policies side-by-side
Get a Quick Quote Today — Immediate Coverage Available
Whether you need insurance for your personal vehicle, your rideshare driving, or you want to know “Can you beat my rate?”, we’re here to help.
Talk to the Experts
Get your quick quote, free insurance checkup, or immediate car insurance coverage today.
