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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 Allstate Ride for Hire to your existing auto insurance policy.

Talk to an agent


When Allstate Ride For Hire Can Help.

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

phone with x.

Offline

Personal Use

Your personal auto policy would likely apply


phone icon.

App on

Waiting for assignment

Personal auto policies may have exclusions; TNC policy may offer limited coverage


car with checkmark icon.

Accepted trip or passenger

En route or on trip

Personal auto policies may have exclusions; TNC policy may offer coverage (possible high deductible)

phone with x.

Offline

Personal Use

Your existing Allstate personal auto policy would likely apply


phone icon.

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*


car with checkmark icon.

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.


Understanding Ride-hailing Coverage Gaps.

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 icon.

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.

Car icon with checkmark icon over.

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.


Ask Your Agent About Adding Allstate Ride For Hire.

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.

Talk to an agent

*Possible TNC coverage may apply to/in addition to your current Allstate auto policy.

Allstate Ride for HireTM provides deductible gap coverage for damage to your vehicle up to $2,500. Not available in every state. Feature optional. All coverages subject to terms, conditions, limitations and availability. Terms may vary by state.

Insurance, coverage and discounts are subsequent to terms, conditions & agreements, which may vary by state. Discount amounts and total savings will vary.

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