Car Insurance for Rideshare insurance (Uber and Lyft drivers)

Numbers refreshed November 4, 2026

Official and insurer sources cover the rules, discounts and programs for rideshare insurance for uber and lyft drivers.

What to know about car insurance for rideshare insurance (uber and lyft drivers)

Rideshare driving splits into three periods: the app is on and you're waiting (1), a ride is accepted (2), and a passenger is in the vehicle (3). (NAIC: Commercial Ride-Sharing (updated 12-18-2025))
Business use, and being available for hire, are usually excluded from personal auto policies. (NAIC: Consumer Insight: Uber or Lyft? Protect yourself when ridesharing)
At least 50/100/25 applies to Uber third-party liability while you're online and waiting. (Uber: Insurance for rideshare drivers (uber.com))
For the drive to the pickup and for the trip itself, Uber liability coverage starts at $1,000,000, which is 1e+06 USD at minimum. (Uber: coverage details (uber.com))
Contingent collision and comp from Uber and Lyft covers you up to the actual cash value, but only where your own policy already includes both kinds of coverage, and the deductible is $2,500: 2500 USD deductible. (Lyft Help: rideshare coverage (lyft.com))
In most markets, Lyft provides liability coverage of at least $1,000,000 while you're picking up a rider or on a trip: 1e+06 USD (at least, in most markets). (Lyft Help: coverage details (lyft.com))

The estimate tool figures a price from your age, driving record and the car you drive, in your state. It asks for no name or phone number.

First written November 4, 2026