What’s the Right Car Insurance for Uber Drivers (or Lyft)?

You’ll need a personal rideshare policy to get enough coverage while driving for Uber or Lyft, even though these companies offer their own insurance.
Written by Brady Klopfer
Edited by Bellina Gaskey
The right car insurance for Uber or Lyft drivers should include rideshare coverage so there are no coverage gaps between your personal auto policy and the coverage Uber or Lyft offers.
  • Your insurance company can cover you if you drive for Uber or Lyft, but you’ll need to select a
    rideshare insurance policy
    .
  • Uber or Lyft’s insurance isn’t enough to rely on for the entire duration of your work shift. 
  • Your insurance company could deny you coverage if you fail to disclose that you’re a rideshare driver.

Your current insurance company can cover you if you drive for Uber or Lyft if you have rideshare insurance

Your insurance company can most likely cover you if you work for Uber or Lyft, but your personal auto insurance policy probably doesn’t cover you while you’re driving for a rideshare app.
Driving for Uber or Lyft counts as a profession (even if you do it part-time), so you’ll need an insurance package that covers it.
As Uber and Lyft have become popular, so too has rideshare insurance. Many insurance companies offer rideshare insurance or a rideshare endorsement, which keeps your car insured when you use it for professional purposes.
Rideshare insurance is usually a bit more costly than standard insurance, and it’s only allowed in roughly half of US states. To find out if your insurance company and your state offer rideshare insurance, give your provider a call.
If rideshare insurance is not available to you, you’ll have to buy commercial auto insurance to get coverage while rideshare driving.
For food delivery drivers: You can often get rideshare insurance if you deliver food with a company like Doordash or Grubhub, too. 

Rideshare companies offer limited insurance for drivers

When you drive for Uber and Lyft, your car is automatically covered to a certain extent. 
Here’s what Uber insurance includes: 
While this coverage helps you while waiting for a ride request, picking up a passenger, and transporting the passenger, you still don’t want to risk any coverage gaps.
You should still get rideshare insurance as an add on to your personal car insurance policy (or purchase a commercial policy) in case you need higher limits than what Uber or Lyft provides—or better coverage when you’re not actively with a passenger. 

How to upgrade to rideshare insurance if you drive for Uber or Lyft

You should definitely upgrade your insurance policy to include ridesharing or
commercial insurance
use if you drive for Uber or Lyft. 
To add rideshare insurance to your current policy, start by giving your insurance agent a call.
Popular providers that offer rideshare coverage include: 
If your company doesn’t offer rideshare insurance: You’ll want to shop around for a new policy using a comparison tool like
Jerry
. A licensed broker, Jerry does all the hard work of finding the best coverage from top name-brand insurance companies. 
We’ll help you secure the right auto insurance coverage at the best rate—even if you’re an Uber or Lyft driver looking for rideshare insurance.
If you don’t want the extra coverage: you must still inform your insurance company that you drive for a rideshare company. If you don’t disclose this information, your personal insurance can be voided.
Jerry
was absolutely worth it. I saved $150, which might not sound like a lot, but really helps me as a New York City resident.” —Jameson T. 
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FAQs

Yes. As a rideshare driver, you will be driving much more often than a normal driver. 
This makes you more likely to file a claim at some point, so insurance companies will want to raise your premium. You'll also have to pay a bit more for the additional coverage of rideshare insurance.
Your insurance provider doesn't have a way to tell if you drive for Uber or Lyft, but that doesn’t mean you can get away without disclosing that information. Don't give your insurer a reason to deny you coverage.
Getting proper insurance while driving for Uber or Lyft doesn’t need to be a hassle. Just get rideshare insurance from your current provider or switch to a company that offers it.
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