People who drive for a rideshare company like Uber or Lyft are covered by those companies when they are driving “on the job” with a passenger in the car. The same drivers are covered by their own auto policies when they are driving for personal use. However, there is a gray area when drivers are looking for passengers (but have not yet picked them up) in which neither of those coverages apply. This rideshare coverage raises rates by 49%. This is up significantly from last year, when it was only a 15% additional cost.