Ride-hailing? Be Protected.
Ride-hailing can help you earn extra cash, but it can also lead to gaps in your auto insurance coverage. Allstate Ride for Hire can help you stay protected for as little as $15-20 per year. If you're thinking about using your personal vehicle to drive for a transportation network company (TNC), we can help you get protection.
Allstate Ride for Hire can help:
- Cover gaps in your personal auto insurance coverage when your insured vehicle is used to drive for a TNC.
- Provide additional protection if your TNC's insurance falls short of your needs in the event of an accident.
Your Allstate agent can help you learn more about the benefits of adding the Allstate Ride for Hire endorsement to your existing auto insurance policy.
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Whether you're in your car with the app on and waiting for an assignment or driving to pick up a passenger/driving a passenger, Allstate Ride for Hire can help with some of the potential gaps in your coverage.
Offline
Personal Use
App on
Waiting for assignment
Accepted trip or passenger
En route or on trip
Personal auto policy
Your personal auto policy would likely apply
Personal auto policies may have exclusions; TNC policy may offer limited coverage
Personal auto policies may have exclusions; TNC policy may offer coverage (possible high deductible)
Allstate personal auto policy with Allstate Ride for Hire
Your existing Allstate personal auto policy would likely apply
Allstate Ride for Hire can help fill some of the coverage gaps between TNC policy and your existing Allstate auto policy*
TNC policy likely applies and Allstate Ride for Hire can help provide deductible gap coverage to help reduce your out-of-pocket expenses
Offline
Personal Use
Your personal auto policy would likely apply
App on
Waiting for assignment
Personal auto policies may have exclusions; TNC policy may offer limited coverage
Accepted trip or passenger
En route or on trip
Personal auto policies may have exclusions; TNC policy may offer coverage (possible high deductible)
Offline
Personal Use
Your existing Allstate personal auto policy would likely apply
App on
Available for hire
Allstate Ride for Hire can help fill some of the coverage gaps between TNC policy and your existing Allstate auto policy*
Accepted trip or passenger
En route or on trip
TNC policy likely applies and Allstate Ride for Hire can help provide deductible gap coverage to help reduce your out-of-pocket expenses
Chart for illustrative purposes only and assumes TNC provides a certain level of coverage. Please refer to policy of TNC to determine coverage for your situation. Allstate Ride for Hire only applies to covered losses.
Ride for Hire may help fill some of the gap between the TNC commercial policy coverage and your existing Allstate auto policy that can arise:
App On
Waiting for assignment
When your ride-hailing app is on, but you don't have a passenger and haven't accepted an assignment yet, you may not be covered under your personal auto policy and your TNC may have limited coverage1. Allstate Ride for Hire could help protect you in this type of situation.
Accepted Trip or Passenger
En route or on trip
If you're driving to pick up a passenger or have a passenger in your car, the TNC policy may cover you, but the deductibles could be high. Allstate Ride for Hire could help cover the gap and reduce your out-of-pocket expenses if your vehicle is damaged2.
Have questions? Your Allstate agent can help you understand ride-hailing insurance and how adding Allstate Ride for Hire to your existing auto insurance policy could help you stay protected.
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