Rideshare Insurance: Everything You Need to Know

Insurance for rideshare drivers falls between commercial and personal auto insurance. Learn more about how to insure your vehicle, or enter your ZIP code below to start comparing rates.

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By Ava Lynch

Updated October 7, 2024

Edited By Beth Swanson

Jump to

How much does rideshare insurance cost?
How does rideshare insurance work?
Does Lyft/Uber provide coverage?
Do I need rideshare insurance?
What to do if you have an accident
What does rideshare insurance in my state look like?
FAQs

What is rideshare insurance?

Rideshare insurance is a car insurance endorsement option that bridges the gap between a personal auto insurance and the commercial policy provided by the rideshare company. In short: your rideshare insurance covers you up until accepting a ride request; once you've accepted a ride, coverage from the rideshare company takes over.

Let's explore the ins and outs of rideshare insurance, how much it costs, and what the coverage from rideshare companies like Uber and Lyft look like.

How much does rideshare insurance cost?

We discovered that adding a rideshare endorsement to your car insurance policy will raise your rates by an average of $94. Below are some car insurance providers that include this coverage as well as some estimated rates.

Keep in mind, rideshare availability will be subject to state and insurance provider availability. This data reflects costs paid by an average user profile in the U.S.

Average rideshare insurance rates from top companies

Updating data...

Company	With Rideshare Endorsement	Without Rideshare Coverage
Allstate	$217	$214
Farmers	$217	$160
GEICO	$138	$138
Nationwide	$139	$139
Progressive	$193	$158
State Farm	$172	$146
USAA	$131	$121

Source: The Zebra

Did you know?

Our agents can help you find rideshare insurance with select companies! Give them a call at 1-888-255-4364 to learn more.

How rideshare car insurance works for Uber and Lyft

If you are a Lyft or Uber driver, it's vital for you to know how your personal insurance and rideshare insurance policies differ. We'll start by breaking down how auto insurance coverage for the two largest ridesharing companies works. For more details on each period, expand the sections below.

Rideshare coverage by stage

	Personal auto coverage	Rideshare company coverage
Period 0: Offline	✓
Period 1: Logged in and available	Varies by company	✓
Period 2: En route to pick up passenger		✓
Period 3: Transporting passenger		✓

Period 0: Offline

This is when the driver is not using a rideshare app. This could include trips such as going to the doctor's office or the grocery store.

Insurance coverage: personal policy

Period 1: Logged in and available

This period begins when an Uber or Lyft driver is using their personal car — with the app active — but has not yet received a pick-up request. Here, you would need to be covered by both rideshare insurance AND Uber's and Lyft' insurance coverage to be completely protected. Uber and Lyft's insurance is active during this period, but they only offer liability coverage for other vehicles or passengers. In essence, your vehicle has no protection that would be provided by standard comprehensive and collision coverages. Rideshare insurance extends your personal auto policy to remedy this.

Insurance coverage: both personal policy and the rideshare company's insurance.

Period 2: En route to pick up passenger

Period 2 begins when a driver has the app active, has received a request, and is en route to pick up a rider. This is when your personal policy with rideshare endorsement cease to provide coverage. At this point, all insurance coverage is handled by Lyft or Uber.

Insurance coverage: Lyft or Uber's insurance

Period 3: Transporting passenger

This period begins when you have the app open and are currently driving your customer to their destination.

Insurance coverage: Lyft or Uber's insurance

What kind of coverage does Lyft/Uber provide to their drivers?

Uber and Lyft provide coverage to their drivers, but only in periods 1, 2 and 3, and the coverage amounts vary.

Uber and Lyft coverage types and limits

Period	Coverage type	Limit
Period 1	Liability	$1 million
Periods 2 & 3	Liability	$1 million
	Uninsured motorist/underinsured motorist coverage (UM/UIM)	$1 million
	Contingent collision and comprehensive coverage*	$50K per person bodily injury/ $100K per accident bodily injury/ $25K per accident property damage

Uber and Lyft coverage also carries deductibles for periods 2 and 3. Lyft enforces a maximum payout of $50,000 per accident.

Uber deductible: $1,000
Lyft deductible: $2,500

*Contingent comprehensive and collision coverage is dependent on your personal auto policy also carrying full coverage. The Lyft and Uber insurance limits are designed to meet or exceed state limits. If your state requirements differ, the company will match them, though they will not lower limits beyond their company standard of 50/100/25.

Do I need rideshare insurance?

Without rideshare insurance of your own, drivers are only covered by Uber or Lyft's insurance when the passenger is in the vehicle. This leaves the time waiting for a ride and traveling to the passenger with coverage gaps. With the rideshare endorsement, the coverage provided by your personal auto policy is extended through period 1, taking care of any coverage gaps that could prove costly.

In addition to providing coverage for the period when a driver is awaiting a ride request, rideshare coverage makes it so your insurance company can’t cancel your policy for being a rideshare driver. Most motorists have their cars insured for personal use. Using your vehicle in a business fashion — as rideshare drivers do — could actually require a more costly commercial policy.

What's different about rideshare insurance?

Working as a rideshare driver complicates the seemingly straightforward relationship between personal car insurance — the type of policy most drivers carry — and commercial car insurance. Insurance companies had to create entirely new rules and regulations to accommodate companies like Uber and Lyft.

Futher, delivery driver insurance still slightly differs from traditional rideshare insurance. Do you also drive for UberEats, Doordash, or other delivery service? Check out our page on car insurance for delivery drivers.

Get auto insurance for rideshare drivers today!

What to do if you're in an accident while driving for Uber or Lyft

Whether you are driving for a rideshare service or not, the first thing you should do in an accident is to contact the police. Afterward, you can start thinking about insurance. Follow your company's protocol based on the period you are in:

Period 0 (offline): Accidents that occur during period 0 fall under your personal policy and should be reported as such — unless your state or rideshare company stipulates otherwise.
Period 1 (logged in + available): Uber and Lyft provide liability-only coverage during period 1, so a rideshare policy is critical to prevent coverage gaps — contact both your personal insurance company and the rideshare service if you get in an accident in period 1.
Periods 2 and 3 (en route to or transporting passenger): If you are on your way to pick up a fare or are currently carrying a passenger when the accident occurs, Uber and Lyft's coverage works fully, covering any damages or injuries that you cause up to $1 million; however, the rideshare company's collision and comprehensive coverage only applies if you carry them on your personal policy.

Agent insight from The Zebra:

If an accident were to occur while waiting for a passenger, your personal auto policy would cover the loss. The comprehensive/collision deductibles you selected for your personal auto policy would apply here. If you get into an acciedent while in transit to pick up a passenger or you already have a passenger in your vehicle, then the commercial policy provided though Lyft or Uber would provide coverage and be subject to deductibles set by the company.

Katy Griffen — Insurance advisor at The Zebra

Uber and Lyft insurance coverage requirements by state

*If you just glanced at this table and your head is already spinning, Ask an Agent about rideshare insurance and we'll help you out.

State	Uber Requirements	Lyft Requirements
Alabama	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Alaska	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Arizona	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Arkansas	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
California	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/30 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Colorado	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Connecticut	Period 1: 50/100/30 limits - 20/40 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25, 20/40 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Delaware	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - with Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Florida	Period 1: 50/100/25 - $10,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision with deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Georgia	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - with Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/50 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Hawaii	Period 1: 50/100/25 - $10,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision with deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Idaho	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Illinois	Period 1: 50/100/25 - 25/50 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Indiana	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Iowa	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Kansas	Period 1: 50/100/25 - 25/50 UM/UIM - PIP; $4,500 medical expenses, up to $900/month for one year for disability/loss of income, $25/day for in-home services, $2,000 for burial services, $4,500 rehab Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Kentucky	Period 1: 50/100/25 - $10,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Louisiana	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Maine	Period 1: 50/100/25 - 50/100 UM/UIM - $2,000 of medical payments Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Maryland	Period 1: 50/100/25 - 30/60/15 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Massachusetts	Period 1: 50/100/25 - 20/40 UM/UIM - $8,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM deductibles at $1,000	Period 1: 50/100/30 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Michigan	Period 1: 50/100/25 - Unlimited PIP - $1,000,000 Property Protection Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Minnesota	Period 1: 50/100/25 - 25/50 UM/UIM - $40,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 - Deductibles at $1,000	Period 1: 50/100/30 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,500,000 - $1,500,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Mississippi	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Missouri	Period 1: 50/100/25 - 25/50 UIM/UM Period 2 & 3: $1,000,000 combined single auto liability limit - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - UM/UIM 50/100 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Montana	Period 1: 50/100/25 Period 2 & 3: $1,000,000 combined single auto liability limit - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Nebraska	Period 1: 50/100/25 - 25/50 UIM/UM Period 2 & 3: $1,000,000 combined single auto liability limit - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 25/50/25 - 25/50 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Nevada	Period 1: 50/100/25 Period 2 & 3: $1,000,000 combined single auto liability limit - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,500,000 - UIM/UM $1,500,000. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
New Hampshire	Period 1: 50/100/25 - 25/50/25 UM/UIM - $1,000 medical payments Period 2 & 3: $1,000,000 combined single auto liability limit - $1,000,000 UIM/UM - $1,000 deductibles	Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
New Jersey	Period 1: 50/100/25 - $15,000 PIP Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,500,000 - UIM/UM $1,500,000. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
New Mexico	Period 1: 50/100/25 Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
New York	Period 1: 50/100/25 - 50/100 death liability - $50,000 PIP Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000 * Lyft does not provide coverage to drivers in the five bouroughs of New York City
North Carolina	Period 1: 50/100/25 - 30/60/25 UM/UIM Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,500,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
North Dakota	Period 1: 50/100/25 - 25/50 UIM/UM - 30 PIP Period 2 & 3: $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Ohio	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Oklahoma	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Oregon	Period 1: 50/100/25 - 25/50 UM/UIM - $15,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Pennsylvania	Period 1: 50/100/25 - $5,000 Medical benefits Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Rhode Island	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,500,000 - UIM/UM $1,500,000. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
South Carolina	Period 1: 50/100/25 - 25/50/25 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/50 - 50/100 UM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
South Dakota	Period 1: 50/100/25 - 25/50 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Tennessee	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Texas	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Utah	Period 1: 50/100/25 - $3,000 PIP Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/30 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Vermont	Period 1: 50/100/25 - 50/100/10 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100/10 UM/UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Virginia	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Washington	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/30 - 50/100 UIM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
West Virginia	Period 1: 50/100/25 - 25/50/25 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UIM/UM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Wisconsin	Period 1: 50/100/25 - 10/25/50 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 - 50/100 UM Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Wyoming	Period 1: 50/100/25 Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000
Washington DC	Period 1: 50/100/25 - 25/50/5 UM/UIM Period 2 & 3: combined single auto liability limit at $1,000,000 - $1,000,000 UIM/UM - Comprehensive/Collision deductibles at $1,000	Period 1: 50/100/25 Period 2 & 3: combined single limit of auto liability $1,000,000 - $1,000,000 UIM/UM. Comprehensive/Collision deductibles at $2,500 with max coverage of $50,000

*Please note: it is your responsibility to inform your insurance company that you drive for a ride-sharing service. Because this is considered a business activity, a standard insurance policy does not provide sufficient coverage. Driving for a rideshare company without a proper insurance policy could leave you at risk for any potential damages and could lead to your coverage being dropped altogether. Please contact a representative at your insurance company to discuss coverage options.

Frequently asked questions— Rideshare insurance

What does rideshare insurance cost?

Adding a rideshare endorsement to your auto insurance policy is typically fairly affordable. According to our data, adding rideshare coverage can cost as little as a few extra dollars a month. This price varies by driver and insurance company, though, so be sure to contact your insurance agent for a direct quote.

Do I need to tell my insurance company about driving for Uber or Lyft?

Yes. Because this is considered a business activity, a standard insurance policy does not provide sufficient coverage. Driving for a rideshare company without a proper insurance policy could leave you at risk for any potential damages and could lead to your coverage being dropped altogether.

Does rideshare insurance apply to delivery drivers?

It depends. Some company's rideshare coverage offerings would apply here, but it also depends on the state in which you drive and the exact coverages and limits provided by each company. Learn more about car insurance for delivery drivers.

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