The price of insurance also varies based on the same factors that influence your personal auto insurance.

These factors include, but are not limited to:

Date of birth

Older drivers are less likely to have accidents. According to the Insurance Information Institute, insurance companies typically charge more if you have teenagers or people under 25 listed on the policy.


Statistically men have more accidents, DUIs, and more serious accidents compared to women. As a result, men often pay more for auto insurance than women.

Marital status

Statistically, married couples are less likely to have car accidents and injuries and often pay less than single policyholders.


With your zip code, Insurance Navy can check the vandalism, theft and accident rates, medical area and repair costs, as well as weather in your area. All these can increase or decrease the costs of your insurance rates. Typically, people in larger cities pay more than people in rural areas do

Driving record

A good driving record means a lower premium. If you have serious accidents, DUIs or license suspensions, you may pay more for an insurance policy or may even require an SR-22 filing for a number of years.


A vehicle identification number allows Insurance Navy to look up the summary of a car. This includes the make and model, body style, engine and transmission type. The VIN also contains additional information the insurance company may want to know. Such as if the car has any safety enhancements, breaking systems or recalls that may cause an accident.


ACVs and symbols are used to assess the risk of insuring a car. Symbol ratings determine the danger of bodily and property injury, and medical costs associated with the specific make and model.

Desired coverage

Adding extra coverages will increase your insurance rates.

Do you need more information about rideshare insurance? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy carefully for details on rideshare insurance. Rideshare insurance cost varies by contract.