How Rideshare Insurance Works for Uber & Lyft Drivers This means as a rideshare driver, you’re most at risk during Period 1 since you won’t get any collision coverage from rideshare companies and your personal insurer likely won’t cover you during this time either. However, when you’re online and waiting for a request during Period 1, you have no collision coverage from Uber or Lyft and much lower liability limits. Period 2 starts once you accept a ride request and are en route to your passenger, and Period 3 starts once your passenger gets into your car. Uber and Lyft only cover rideshare drivers during Periods 2 and 3. You don’t want your income stream cut off before rent is due next month! Why Delivery, Uber and Lyft Drivers Need Rideshare Insurance There are many states where there isn’t an officially recognized rideshare insurance policy and, although you may still be covered by Uber/Lyft, your personal insurer may drop you for being a rideshare driver. If you’re just learning about rideshare insurance and not sure why you need it, it’s because as a rideshare driver, you need to be especially mindful about the risks and insurance limits in your state.

Updated for 2022: Yes, you will want delivery insurance for your food delivery driving! Find our top recommended delivery insurance agents. Use the drop-down menu above to jump to your state.

Additionally, if you have an agent that you’d like to personally recommend, don’t hesitate to reach out to me with their contact info. This post will continue to be updated with insurance information for each of the markets, but if you have conflicting info or would like to add to this page, please leave a comment below. In This Article The Best Rideshare Insurance for Rideshare Drivers By State There are still a few states that don’t have rideshare friendly options, but we keep this page updated as new options are added every week, so be sure to check back frequently! This is especially important if you drive for one of the best food delivery services, too, as insurance requirements are different for couriers vs drivers. If you’re looking for the best rideshare insurance, we’ve made it easy to learn about the options in your state on the page below.Īfter you sign up for a gig job like Uber, make sure to get several rideshare insurance quotes from the agents below.

Geico drive easy passenger