How to Get Car Insurance if You’re a Lyft or Uber Driver

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Ensuring that you get full-coverage car insurance as an Uber or Lyft driver isn't straightforward, but it can be done. (Photo: @swinterroth via Twenty20)
Brady Klopfer · Writer · Oct 27, 2020
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    If you’re a driver, it’s crucial that you have car insurance. If you’re a driver for Lyft or Uber, then insurance is even more critical. Unfortunately, car insurance isn’t overly straightforward if you work for one of these rideshare companies. Both Uber and Lyft offer some insurance coverage of their own, but it won’t cover drivers full time, so it needs to be supplemented with a personal insurance plan as well.
    However, that’s where it gets tricky. Many car insurance plans, when paired with the insurance provided by Uber and Lyft, still have coverage gaps. If you need additional coverage to fill the gaps between your personal car insurance and Uber or Lyft’s insurance, then you’ll surely want to find a cheap option and utilize relevant discounts.

    Contact Your Car Insurance Provider

    You can determine whether you have gaps in your coverage on your own, and you can purchase the additional car insurance needed on your own. However, it’s easier and more fail-proof to simply contact your car insurance company.
    By contacting your car insurance provider, you can find out exactly what your car insurance offers and what it’s missing, as well as what you need to fill any gaps in your coverage for an affordable cost. You can contact your car insurance company by calling them, using their online chat system, or visiting an office.

    How to Get Cheap Rideshare Insurance

    Most insurance companies offer rideshare insurance, which is an insurance package designed to supplement a pre-existing policy, to cover Lyft and Uber drivers. However, car insurance companies currently do not offer rideshare insurance in each state; instead, each company offers it only in a select number of states (if any at all), and some insurance companies only offer rideshare insurance in one state.
    Purchasing cheap rideshare insurance is a matter of contacting numerous car insurance providers, and finding out which ones — if any — offer rideshare insurance. From there, you can compare quotes and find the rideshare insurance package that is most affordable.

    How to Purchase Cheap Commercial Insurance

    Unfortunately, purchasing cheap rideshare insurance isn’t always a possibility. Because legislation for rideshare insurance is relatively new, not all states and insurers have adopted it. While the list is always changing, currently Alaska, Hawaii, New Hampshire, New York, and North Carolina fail to offer rideshare insurance options. In some other states, the options may be limited enough that some drivers won’t be eligible for rideshare insurance.
    If that’s the case, you’ll have to purchase commercial automotive insurance. Unfortunately, commercial auto insurance is a lot more expensive than personal car insurance or rideshare insurance.
    The cost of commercial car insurance differs depending on the state, provider, and how many miles you plan on driving for Uber or Lyft. The key to finding cheap commercial auto insurance is simply to shop around. That way, you’ll be able to compare quotes and find the car insurance package that is easiest on your wallet.
    The purpose of driving for Uber or Lyft is to make money. It only follows, then, that you’ll want to save as much money as possible when purchasing car insurance that will cover you while you’re on the job. With this guide, you should be able to find the best and most affordable insurance package that covers you while you drive for Lyft or Uber.
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    This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!
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    Rated 4.7/5 in the App Store
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    This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!