Driving for Uber or Lyft in Texas? 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.
🎖️ U.S. Military Veteran📋 Licensed in 50 States🕐 15+ Years Experience📅 Updated: April 10, 2026
The Rideshare Insurance Gap in Texas
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 Texas insurer fills this gap.
Rideshare Insurance Options in Texas
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 Texas Carriers Offer Rideshare Endorsements?
State Farm — rideshare vehicle endorsement available in Texas
Progressive — TNC (transportation network company) endorsement available
Allstate — Ride for Hire coverage available as add-on
GEICO — rideshare endorsement in select Texas markets
Erie — rideshare-specific endorsements in applicable states
All Carrier Rates in Texas
Insurance Company
6-Month Premium
Monthly Cost
USAA ⭐
$858
$143/mo
GEICO
$978
$163/mo
Progressive
$1,104
$184/mo
State Farm
$1,206
$201/mo
Allstate
$1,470
$245/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 Texas
Compare 5+ carriers. Free, no-obligation quote from a licensed agent.
USAA offers the cheapest full coverage at $143/month in Texas. Rates vary by driver — call (888) 217-6781 for a personalized comparison.
How much is rideshare insurance in Texas?
Full coverage in Texas averages $215/month, liability-only averages $63/month. The cheapest option is USAA at $143/month. Compare multiple quotes for your best rate.
Can I get a free rideshare insurance quote in Texas?
Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Texas 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.