Do you need commercial insurance for Lyft?

I’m a college student looking to make some extra money this summer, and I’m thinking about driving for Lyft. I’m wanting to get all the details down before I sign up. Do you need commercial insurance for Lyft?

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Mariza Morin · Answered on Jan 16, 2023
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s a great way to earn some extra cash this summer! You don’t need commercial insurance to drive for a rideshare company like Lyft or Uber, but it’s a good idea to add rideshare coverage to your current policy.
Lyft and other rideshare companies offer some coverage to their drivers, but they do not provide full coverage. Unfortunately, there are gaps in these rideshare companies’ policies. For example, if you get into a car accident while on the job but haven’t accepted a ride request at the time, then you might be the one left paying for the damages.
Rideshare insurance policies vary by provider, but you might end up paying as little as $10 a month for extra protection while driving for Lyft. Thankfully, many top insurance companies provide rideshare insurance, including GEICO, Allstate, and State Farm.
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