No, The Hartford does not offer rideshare insurance. If you are a current The Hartford customer and want rideshare coverage, you can purchase a separate commercial policy, or you can switch to a company that offers rideshare insurance.
Unlike The Hartford, insurers such as State Farm and Allstate offer rideshare insurance endorsements that you can add to a personal car insurance policy. Then, if you stop driving with a rideshare company, you can simply cancel the endorsement. Rideshare endorsements are an inexpensive way to supplement the coverage offered by Uber and Lyft, typically increasing a driver’s premium by about 15% - 20%. Alternatively, Geico offers a hybrid policy that covers both personal and rideshare driving with a single premium.
Rideshare insurance is not available in every state, though. In states where rideshare insurance is not available, drivers should consider a commercial policy instead. Drivers who need rideshare coverage but want to get their personal coverage from The Hartford can also take advantage of commercial policy options. The downside is that commercial policies are more expensive, averaging $1,200 to $2,400 annually.
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