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A licensed insurance agent will help you find affordable rideshare insurance that matches your risks and your budget.
General liability insurance
This policy covers third-party lawsuits, such as a customer who slips getting into your car and suffers an injury. It's often the first policy purchased by a small business.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Slander and other advertising injuries
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for rideshare companies to buy general liability coverage and commercial property insurance together.
BEST FOR
- Accidents that harm customers
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
This policy covers financial losses from auto accidents involving your business's rideshare vehicles. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Auto accident injuries
- Property damaged by your vehicle
- Theft or vandalism of a rideshare vehicle
Workers' compensation insurance
Most states require workers' comp for rideshare companies that have employees. It also covers work-related medical costs for sole proprietors, which health insurance can deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Workplace injury lawsuits
Cyber insurance
This policy helps ride-hailing services recover financially from a data breach or cyberattack. It's recommended for any business that stores email addresses or other customer information.
BEST FOR
- Data breach investigations
- Fraud monitoring services
- Customer notification costs
Errors and omissions insurance
E&O insurance covers legal defense costs when a rideshare driver fails to pick up a passenger or is otherwise negligent. It's also called professional liability insurance.
BEST FOR
- Missed rides
- Breach of contract
- Scheduling errors
Looking for different coverage? See more policies.
How much does rideshare insurance cost?
A driver who works independently for Lyft or Uber can expect to pay less for insurance than a rideshare business with several employees.
Factors that affect the cost of business insurance include:
- Business location
- Business revenue
- Number of employees
- Employee driving records
- Types of insurance purchased
- Policy limits and deductibles
- Claims history
It's easy to get insurance for Uber drivers, Lyft drivers, and other transportation network companies (TNCs) and drivers if you have your business information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose a policy.
- Pay for your policy and download a certificate.
Insureon's licensed agents work with top-rated U.S. providers to find the right TNC policies for your business, whether you work alone or hire employees. Get peace of mind knowing you have the right protection for your risks.
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View video transcript.
[video: an animated header displays the Insureon logo. Underneath it, a subheading displays the text: "Do Uber drivers need rideshare insurance?"]
MALE VOICEOVER: If you drive for Uber, Lyft, or even Uber Eats, you might think your personal auto insurance has you covered. But here's the truth: It probably doesn't.
[video: an illustrated header displays the text: "Personal auto insurance policies often have business-use exclusions"]
Most personal auto policies have a business use exclusion.
[video: an illustrated header displays the text: "You could end up paying for:"]
[video: Under above header, three bullet points display the text: "Repairs"; "Medical bills"; "Lawsuits"]
That means if you're in an accident while driving for a rideshare app, your insurer could deny your claim, leaving you to pay for repairs medical bills, or lawsuits out of pocket. That's where rideshare insurance comes in.
[video: an illustrated header displays the text: "Rideshare insurance fills the gaps between personal and rideshare company insurance."
It fills the gaps between your personal auto policy and what the rideshare company provides, giving you consistent protection every time you're on the road.
Let's take a closer look at some of the top policies that can help protect your rideshare business.
[video: an illustrated header displays the text: "Commercial auto covers:"]
[video: Under above header, three bullet points display the text: "Auto accident injuries"; "Damage caused by your vehicle"; "Vehicle theft and vandalism"]
Commercial auto insurance protects you from costs due to an accident involving your business's rideshare vehicle. If you drive your personal vehicle for your Uber business, hired and non-owned auto insurance may be an alternate solution.
[video: an illustrated header displays the text: "General liability covers:"]
[video: Under above header, three bullet points display the text: "Slip-and-fall accidents"; "Customer property damage"; "Advertising lawsuits"]
General liability insurance covers third party accidents, such as a customer who slips when getting into your car and suffers an injury. It also covers personal and advertising
injury claims, such as libel or slander.
[video: an illustrated header displays the text: "A BOP combines general liability and commercial property into a cost-efficient policy bundle."]
A business owner's policy, or BOP, is a cost-effective way to bundle general liability and commercial property insurance coverage for less than it would cost to purchase these policies separately.
[video: an illustrated header displays the text: "Workers' comp covers:"]
[video: Under above header, three bullet points display the text: "Employee medical expenses"; "Disability benefits"; "Workplace injury lawsuits"]
Workers' compensation is required in most states for rideshare businesses with employees, and can shield you from work-related medical costs that your personal insurance may not cover.
[video: an illustrated header displays the text: "Cyber insurance covers:"]
[video: Under above header, three bullet points display the text: "Data breach investigations"; "Fraud monitoring services"; "Customer notification costs"]
Cyber insurance can help your Uber business financially recover from data breaches, phishing, and other types of cyberattacks.
[video: an illustrated header displays the text: "E&O covers:"]
[video: Under above header, three bullet points display the text: "Missed rides"; "Breach of contract"; "Scheduling errors"]
Errors and omissions insurance, sometimes called professional liability coverage, protects you from lawsuits related to work mistakes and oversights, such as a driver failing to pick up a passenger.
While Uber and Lyft do offer insurance for their drivers, it doesn't protect you all the time.
[video: an illustrated header displays the text: "App off: Covered by personal car insurance"]
For example, when the app is off, you're only covered by your personal policy.
[video: an illustrated header displays the text: "App on & waiting for requests: Limited coverage."]
When the app is on and you're waiting for a request, limited liability coverage kicks in, but doesn't cover your own car's damage.
[video: an illustrated header displays the text: "En route or with a passenger: Stronger coverage but may not cover everything."]
And when you're en route or with a passenger, the coverage is more comprehensive, but may not include everything, like medical payments or certain collision costs.
[video: an illustrated header displays the text: "Rideshare insurance helps:"]
[video: Under above header, three bullet points display the text: "Avoid denied claims"; "Cover costly repairs"; "Pay for medical expenses"]
With rideshare Insurance, you can avoid denied claims, protect yourself from costly repair bills, get coverage for medical expenses, and keep your driving business running smoothly.
[video: an illustrated white header displays the text: "Insureon is the #1 digital agency for small business insurance."]
We make it easy for small business owners and Uber drivers to find the right, most affordable coverage.
Get free quotes for your small business with Insureon today.
Click the link to get started!
[video: an animated header displays the Insureon logo]
Yes, rideshare insurance coverage is required in every state, both by state law and by the rideshare companies.
Vehicles owned by a business should be covered by commercial auto insurance, while personal vehicles used for work purposes can be covered by hired and non-owned auto insurance (HNOA).
Your policy must meet your state's minimum coverage requirements and those of the rideshare company. You must also comply with any special requirements for TNCs, such as those outlined by California law.
These types of auto insurance might be required:
- Bodily injury liability
- Property damage liability
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
Rideshares and other for-hire transportation businesses may have additional requirements based on the laws in their city, county, or other locality. Typically, this depends on:
- Where you operate
- Type of vehicle, such as a sedan or limo
- The vehicle's seating capacity
For example, the New York City Taxi & Limousine Commission (TLC) mandates different coverage limits for luxury limos, black cars, and other for-hire vehicles, depending on the type of vehicle and how many passengers it holds.
In addition to auto insurance, most states require businesses to carry workers' compensation insurance for their employees.
Your personal auto insurance policy only covers personal use of your vehicle—not business use—so it won't cover your rideshare trips. However, it might provide coverage in certain situations, such as before a ride request is accepted or while the rideshare app is off.
Some insurance companies offer HNOA or rideshare coverage as an add-on to personal auto insurance, which will provide protection if you get into an accident while driving for Uber or another rideshare company. Other times, you can buy it as a standalone policy.
Talk to an insurance agent to find rideshare coverage that meets your specific needs and to fill in any coverage gaps.
What is the best insurance for Uber drivers?
First, it's important to know that the insurance provided by Uber and other rideshare companies is not typically the best. Their policies usually come with a high deductible or low limits, which can leave you paying exorbitant out-of-pocket costs after an auto accident.
The best insurance for Uber drivers and other rideshare drivers would be a hired and non-owned auto policy, or a rideshare endorsement to your personal car insurance policy. Look for the following characteristics:
- Low deductible. With a low deductible, you only have to pay a small amount before your insurance kicks in to cover a claim.
- Higher limits. Your insurance company will cover claims up to the policy's limits. Choosing higher liability limits gives you greater financial protection in the event of an accident.
- A-rated carrier. The most trusted insurance providers are rated A or better by the credit rating agency AM Best.
If you opt for a commercial policy, then you can include additional coverages. Collision coverage pays for damage caused by vehicle collisions, while comprehensive coverage pays for damage from hail, vandalism, falling branches, and animal collisions.
Better coverage costs more, but it's always possible to save money. With Insureon, you can compare quotes from A-rated carriers to find auto insurance coverage that matches both your risks and budget.
Yes, DoorDash and other delivery services are sometimes considered a rideshare for insurance purposes. You may need a TNC or rideshare endorsement in order to be properly covered while en route to a delivery destination.
However, the specifics depend on your state laws and your insurance company. You'll need to ask your insurer whether Dashers are covered, or whether you can add an endorsement to your personal auto policy.
While DoorDash does offer coverage, it's only a minimal amount of liability coverage during the "Delivery Service" period. If an accident happens at any other time, or your vehicle is damaged, it won't provide coverage.