Driving for Uber or Lyft in Illinois? Your personal auto insurance does not cover you while the app is on. You need either a rideshare endorsement ($15-$30/month) or a commercial policy to close the dangerous coverage gap between personal insurance and Uber/Lyft's limited coverage.
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The Rideshare Insurance Gap in Illinois
Period 0
App Off: Personal Insurance
Period 1
App On, No Ride: GAP!
Period 2
En Route to Rider: Uber/Lyft
Period 3
Rider in Car: Uber/Lyft
The dangerous gap is Period 1 — when the app is on but you haven't accepted a ride yet. Your personal insurance won't cover you (you're driving commercially), and Uber/Lyft provide only minimal coverage. A rideshare endorsement from your Illinois insurer fills this gap.
Rideshare Insurance Options in Illinois
Rideshare endorsement ($15-$30/mo) — the simplest solution; adds Period 1 coverage to your existing personal policy
Hybrid personal/commercial policy — some carriers offer all-in-one policies designed for rideshare drivers
Full commercial auto policy — most expensive but covers all periods; necessary for full-time drivers
Which Illinois Carriers Offer Rideshare Endorsements?
State Farm — rideshare vehicle endorsement available in Illinois
Progressive — TNC (transportation network company) endorsement available
Allstate — Ride for Hire coverage available as add-on
GEICO — rideshare endorsement in select Illinois markets
Erie — rideshare-specific endorsements in applicable states
All Carrier Rates in Illinois
Insurance Company
6-Month Premium
Monthly Cost
GEICO ⭐
$738
$123/mo
Progressive
$834
$139/mo
Country Financial
$858
$143/mo
State Farm
$912
$152/mo
Allstate
$1,110
$185/mo
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
🎖️ Get Rideshare Insurance Quotes in Illinois
Compare 5+ carriers. Free, no-obligation quote from a licensed agent.
GEICO offers the cheapest full coverage at $123/month in Illinois. Rates vary by driver — call (888) 217-6781 for a personalized comparison.
How much is rideshare insurance in Illinois?
Full coverage in Illinois averages $163/month, liability-only averages $55/month. The cheapest option is GEICO at $123/month. Compare multiple quotes for your best rate.
Can I get a free rideshare insurance quote in Illinois?
Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Illinois to find your lowest rate in under 2 minutes.
Sources & Methodology
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.