Rideshare Insurance in Arizona – What Types of Coverage Do You Need?

When determining whether or not to purchase a rideshare insurance in Arizona, you should take a look at some of the different options available. These policies are typically a bit more expensive than rideshare endorsements, but they are worth considering for any business. In Arizona, rideshare insurance is required by law, so you must make sure you’re protected while driving for ridesharing companies. Below are some of the most common types of coverage you can find.

Allstate

When you drive for Uber, Lyft, or other ridesharing companies in Arizona, it’s a good idea to have rideshare insurance coverage. These services may not cover everything you need, but they can help lower the out-of-pocket expenses of your rideshare trip. For example, Uber covers only a portion of your deductible, while Allstate offers coverage for both the deductible and rental car expenses. If you don’t have rideshare insurance, you can still get an Allstate quote.

You should consider getting Allstate rideshare insurance if you are in Arizona because this type of coverage is not provided by personal auto insurance. While most personal auto insurance policies do not cover rideshare drivers, Allstate Ride for Hire coverage is available for a small monthly premium. It offers additional coverage, including collision and deductible gap coverage, and will pay up to $2,500 in damages for any accident. The Allstate coverage includes gap insurance, too, which is an added bonus.

GEICO

The cost of rideshare insurance in Arizona has been steadily rising. But there are some things to keep in mind when comparing companies. The cheapest rideshare insurance Arizona companies are not necessarily the best for bad drivers. GEICO is the best for those with a history of accidents. A sample driver paid an average of $1,116 for a year’s coverage. GEICO also scores well for customer satisfaction and claims. This company pays for roadside assistance and can give you a rental car if your vehicle is rendered undriveable for 24 hours.

GEICO’s competitive pricing and good customer service make it a good choice for young drivers. The company’s policy features a number of discounts and special features, including good student and driver’s education course discounts. It also offers discounts to those with a clean driving record and for those who have completed a driver’s education course. However, GEICO does not offer a distant student discount. This is unfortunate because young drivers are more likely to get into accidents and suffer injuries.

State Farm

If you’re planning to become a rideshare driver in Arizona, you should know that State Farm has policies that cover these types of businesses. A rideshare insurance endorsement adds fifteen to twenty percent to the cost of your car insurance policy and provides higher limits and lower deductibles. However, these policies are not as affordable as Uber’s liability-only coverage, and your premiums can increase if you have multiple companies.

In Arizona, you can also add coverage for this kind of service to your existing auto policy. State Farm’s policies cost $1,253 per year. These policies include roadside assistance, rental car reimbursement, and travel cost reimbursement. State Farm also offers a variety of discounts, including one for driving responsibly and the Steer Clear course. You can also download the State Farm app to make payments, file a claim, and more.

USAA

When you need rideshare insurance in Arizona, look no further than USAA. It offers a variety of discounts, including reduced premiums for new cars and a 15% discount for safe driving. You can even sign up for the SafePilot program, which offers a 10% discount on your premium when you buy a new car or get a new car insurance policy. The SafePilot program is available in Arizona, Oregon, South Dakota, and Texas. If you don’t have a membership with the AAA, you can still take advantage of these discounts, including a 60 percent discount on vehicle storage.

USAA rideshare insurance Arizona does not specify what type of ridesharing is covered under the policy. The coverage is available for delivery drivers and other types of ridesharing, including Uber and Lyft. This insurance also doesn’t specify what type of insurance the driver needs. The benefits of USAA rideshare insurance are the affordable rates and customizable policy limits, and the easy claims process, which can be done online or through a mobile app. Plus, the company partners with 2,900 repair shops across the country, making it easy to take your vehicle to a shop that services rideshare vehicles.

Safeco

If you plan to drive in the city for a living, you may be interested in Safeco rideshare insurance Arizona. Unlike most companies, Safeco offers a low price on insurance for your rideshare business. It’s also good to know that the company offers several discounts to its customers. For instance, new customers receive a 27% discount on their rideshare insurance Arizona premium, while new adult customers get a 5% discount. In states where the new teen discount is not available, a tenured policyholder will get a 10% discount.

Although you can’t purchase rideshare insurance in every state, Safeco offers special coverage for rideshare drivers. This insurance can be purchased as an endorsement to your current auto insurance policy. It costs less than $10 per month and protects you in case of an accident while driving a rideshare service. The company is available in more than 20 states, including Arizona. Those who live in California, Colorado, Illinois, Indiana, Tennessee, Washington, and Wyoming can also purchase rideshare insurance from Safeco.

Mercury

If you are a rideshare driver, Mercury rideshare insurance Arizona can help you protect your business. Although you don’t have to purchase a separate rideshare insurance policy, it is worth considering. Mercury offers policies that are affordable and provide basic coverage. You can get a policy with less than $1 per day and pay as little as $30 per month. You can also opt to buy a rideshare insurance policy add-on, as some policies are designed for rideshare drivers and don’t offer coverage for the driver. The coverage limits and deductibles are also customizable, and you can choose the amount of your deductible. Although Mercury does not support online claims, you can track the status of your claim through your customer account.

GEICO is the top pick among Insurify researchers, with a composite score of 87. Mercury offers a hybrid policy with a deductible of $250. To qualify for this policy, drivers must work for DoorDash, Uber Eats, Amazon Flex, Postmates, or Grubhub. GEICO also received high marks from Investopedia researchers. Mercury rideshare insurance Arizona is another option you can consider.