The insurer said Wednesday that the Ride for Hire policy will cost $15 to $20 a year on average and will provide coverage for drivers who get into accidents while they are on the way to pick up new fares. Uber and Lyft both provide insurance for drivers while they are carrying passengers, and they offer varying levels of coverage for drivers who have turned on their app and for drivers who are on their way to pick up a rider. [...] Allstate said insurance from ride-hailing app companies sometimes has a higher deductible than a drivers' personal auto policy, meaning a driver might have to pay a larger-than-expected deductible in some circumstances.