Rideshare insurance

Here are some car-share insurance options other than those provided by Uber and Lyft that are available in Virginia ¹:

   Progressive: Offers coverage in most states, including Virginia.
   Geico: Offers coverage in most states, including Virginia.
   Allstate: Offers coverage in almost all states, including Virginia.
   State Farm: Offers coverage in most states, including Virginia.
   Farmers Insurance: Offers coverage in over a dozen states, including Virginia.
   Erie Insurance: Offers coverage in the state of Virginia.
   Mercury Insurance: Offers coverage in a handful of states, including Virginia.
   American Family Insurance: Offers coverage in about 15 states, including Virginia.

The cost of rideshare insurance depends on factors like the insurance provider, the value of your car, driving record, and location ¹. Here are some general guidelines ²:

   Allstate: affordable auto insurance ridesharing endorsement for drivers on a budget
   Progressive: cheap rideshare insurance based on how much you want to pay
   USAA: ridesharing coverage with fairly reasonable rates (only available to current and former military members and their families)

When a car is owned by both a business and an individual and is used for rideshare purposes, the insurance classification can be a bit nuanced. Typically, rideshare insurance is designed to cover personal vehicles used for ridesharing and might not fit neatly into a standard commercial policy. However, some insurance companies are more flexible in this regard. Here are a few that might consider such a vehicle as a personal vehicle used for rideshare, rather than strictly a commercial case:

1. **Geico**: Geico's rideshare insurance can sometimes be added to a personal auto policy, and they may be able to accommodate vehicles with mixed ownership.

2. **Progressive**: Progressive offers rideshare insurance that can be attached to a personal auto policy. They are known for flexible coverage options, which might work for a vehicle owned by both an individual and a business.

3. **State Farm**: State Farm provides rideshare insurance endorsements that can be added to a personal auto policy. They may offer solutions that fit your situation, particularly if the vehicle is primarily used for personal purposes.

4. **Allstate**: Allstate’s rideshare insurance can also be added to a personal auto policy, and they might be able to offer options that work for vehicles with mixed ownership.

5. **Farmers Insurance**: Farmers offers rideshare coverage as an endorsement to a personal policy, which might suit your needs depending on how the vehicle is used.

It’s essential to discuss the specifics of your situation with an insurance agent to find the best coverage. Explain the dual ownership and the primary use of the vehicle to ensure that the policy covers all necessary aspects. The insurance agent can help tailor the coverage to fit both the personal and business components of vehicle ownership.

If State Farm and Progressive have indicated that they need to treat the vehicle as commercial, it suggests that their underwriting policies require a commercial insurance approach for vehicles with mixed ownership or used for business purposes, even if they are also used for ridesharing.

In this case, you might need to look at insurance companies that are more flexible with the classification of such vehicles. Here are a few additional steps and options you might consider:

1. **Contact Local Insurance Agents**: Sometimes local agents have more flexibility and can provide tailored solutions that might not be apparent through general company policies.

2. **Check with Rideshare-Specific Insurers**: Some companies specialize in rideshare insurance and might offer more customized solutions. For instance:

  - **MetroMile**: They offer usage-based insurance which might be more adaptable.
  - **Haven Life**: Known for more flexible insurance solutions.

3. **Explore Hybrid Commercial Policies**: Some insurers offer hybrid policies that combine personal and commercial coverage. This might be suitable for vehicles used for both personal and rideshare purposes.

4. **Consult with a Broker**: Insurance brokers can help navigate complex situations and might find options that aren’t readily available through direct insurance company channels. They have access to multiple carriers and can find a policy that fits your specific needs.

5. **Consider Business Insurance with Rideshare Endorsements**: While not ideal, you might need to look at business auto insurance with rideshare endorsements if the vehicle is primarily considered a business asset.

Ensure that any policy you choose provides adequate coverage for all scenarios in which the vehicle will be used, including personal driving, ridesharing, and any business-related activities.