Driving for Uber or Lyft in Montana? 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 Montana
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 Montana insurer fills this gap.
Rideshare Insurance Options in Montana
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 Montana Carriers Offer Rideshare Endorsements?
State Farm — rideshare vehicle endorsement available in Montana
Progressive — TNC (transportation network company) endorsement available
Allstate — Ride for Hire coverage available as add-on
GEICO — rideshare endorsement in select Montana markets
Erie — rideshare-specific endorsements in applicable states
All Carrier Rates in Montana
Insurance Company
6-Month Premium
Monthly Cost
USAA ⭐
$594
$99/mo
GEICO
$678
$113/mo
Progressive
$762
$127/mo
State Farm
$834
$139/mo
Farmers
$960
$160/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 Montana
Compare 5+ carriers. Free, no-obligation quote from a licensed agent.
USAA offers the cheapest full coverage at $99/month in Montana. Rates vary by driver — call (888) 217-6781 for a personalized comparison.
How much is rideshare insurance in Montana?
Full coverage in Montana averages $149/month, liability-only averages $38/month. The cheapest option is USAA at $99/month. Compare multiple quotes for your best rate.
Can I get a free rideshare insurance quote in Montana?
Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Montana 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.