Looking for Ridesharing (Uber/Lyft) Insurance?
Protect your rideshare driving from accidents, passenger injuries, liability claims, and coverage gaps. Get coverage for Uber, Lyft, and transportation network company drivers.
What is Ridesharing (Uber/Lyft) Insurance?
Ridesharing insurance protects TNC drivers from accidents, passenger injuries, liability gaps, and physical damage during rideshare operations. Coverage includes rideshare endorsements, commercial auto, and gap coverage. Rideshare platforms and state regulations require proof of insurance before driver approval or operations.
Rideshare Gap Coverage:
Protection during Period 1 (app on, no passenger) when platform coverage is limited.
Commercial Auto:
Comprehensive coverage for all rideshare periods, including passenger transport.
Physical Damage:
Covers collision and comprehensive damage to your vehicle during rideshare use.
Certificates:
Fast proof for rideshare platforms and regulatory compliance.
Who Needs Ridesharing (Uber/Lyft) Insurance?
- Uber Drivers : Businesses requiring specialized insurance coverage
- Lyft Drivers : Businesses requiring specialized insurance coverage
- Multi-Platform TNC Drivers : Businesses requiring specialized insurance coverage
- Part-Time Rideshare Drivers : Businesses requiring specialized insurance coverage
Why Harper?
Rideshare Expertise
We understand TNC driver risks—coverage gaps, accident liability, platform insurance limitations, and state requirements. Get coverage for Uber, Lyft, or multi-platform driving.
Fast Proof for Platforms
Rideshare platforms verify insurance before driver activation. We deliver documents quickly for platform approval.
Clear Simple Guidance
We explain Period 1, 2, and 3 coverage, gap insurance, and rideshare endorsements clearly.
Tailored to Your Driving
Match coverage to your activity—part-time rideshare, full-time TNC driving, or multi-platform operations.
Frequently Asked Questions
What insurance do rideshare drivers need?
Rideshare drivers need either a rideshare endorsement on personal auto insurance or commercial rideshare coverage that addresses three coverage periods: Period 1 (app on, waiting for requests—minimal platform coverage), Period 2 (request accepted, en route to passenger—platform provides liability but often no physical damage), and Period 3 (passenger in vehicle—platform provides $1 million liability and contingent collision/comprehensive). Personal auto policies exclude rideshare activity, creating dangerous coverage gaps without proper insurance.
Is rideshare insurance required?
Uber and Lyft require drivers to maintain personal auto insurance meeting state minimums and verify coverage before platform activation. Many states now require rideshare-specific insurance or endorsements for TNC drivers. However, standard personal auto policies exclude commercial activities, including ridesharing, meaning drivers operating without rideshare coverage face claim denials. Period 1 gaps are particularly problematic as platform coverage is minimal and personal policies exclude this use.
How much does rideshare insurance cost?
Rideshare endorsements added to personal auto policies typically cost $10-30 per month ($120-360 annually) for part-time drivers. Full commercial rideshare policies for full-time drivers cost $200-500+ monthly ($2,400-6,000+ annually) depending on location, driving record, vehicle, and coverage limits. Costs vary significantly by state—some states have competitive rideshare insurance markets, while others have limited options. High-mileage, full-time drivers in urban areas typically pay the most.
What are the coverage gaps for rideshare?
The most significant gap occurs during Period 1 (app on, waiting for ride requests) when Uber/Lyft provides only minimal liability coverage and no physical damage coverage, while personal auto policies exclude this commercial use. This means if you're in an accident with the app on but no passenger, you may have no collision coverage for your vehicle and limited liability protection. Period 2 also has gaps, as platform contingent collision/comprehensive often has $2,500 deductibles.
Does personal auto insurance cover ridesharing?
No, standard personal auto insurance policies specifically exclude coverage for vehicles used for hire, transportation of passengers for compensation, or commercial activities. This means any accidents during rideshare operations—even with the app simply turned on—could result in complete claim denial and policy cancellation. Drivers must either add rideshare endorsements to personal policies or purchase commercial rideshare coverage.
Do I need rideshare coverage for occasional driving?
Yes, even occasional or part-time rideshare drivers need proper coverage because personal auto policies exclude any commercial use, regardless of frequency. A single accident with the rideshare app could result in claim denial, policy cancellation, and personal liability for all damages. Most insurers offer affordable rideshare endorsements specifically for part-time drivers, making proper coverage accessible even for occasional supplemental income driving.