Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Apr 1, 2021

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Just What's Essential

  • Lyft insurance covers you when you are working
  • Your personal car insurance would cover you while not working, but they need to know you are driving for Lyft
  • Consider adding a rideshare endorsement to your personal car insurance

Lyft insurance covers you while you are working for them should an accident occur. However, Lyft does require that you carry personal car insurance that meets your state’s minimum requirements.

You don’t have to worry about Lyft car insurance rates since the company pays for the coverage, but that doesn’t mean your personal car insurance won’t go up.

It can be difficult to find affordable car insurance if you are a rideshare driver because your car insurance company may require you to either add an endorsement to your policy or a purchase commercial policy.

Even though you don’t have to buy Lyft car insurance, you can still shop around for cheap personal car insurance. Enter your ZIP code now to compare car insurance quotes today.

What does car insurance for Lyft drivers cover?

Lyft driver insurance covers you while you are working, but the coverage is different whether you are picking up a ride or during the ride. The coverage at each stage is:

  • When the app is off – your personal car insurance will provide coverage
  • Waiting for a ride request – Lyft provides third-party liability coverage of 50/100/25
  • Picking up passengers and during the ride – $1,000,000 third-party liability coverage, uninsured/underinsured motorist, comprehensive and collision coverage provided you having those coverages personally

Lyft requires a $2,500 deductible on comprehensive and collision coverages but will repair or replace your vehicle up to the actual cash value or your car.

You don’t need to get Lyft car insurance quotes because the coverage is free.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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What kind of personal car insurance coverage do you need to drive with Lyft?

Almost all states require that drivers carry at least a minimum amount of liability car insurance, and each state will have different requirements. Lyft requires that you carry at least whatever the minimum is in your state.

Lyft also requires that you have comprehensive and collision coverages on your personal car insurance if you want those coverages while you are driving for them.

Having as much coverage as possible is recommended when you are driving for a rideshare. Consider adding uninsured/underinsured motorist and medical payment coverage as well.

In addition to your standard personal car insurance, you may be required to either add a rideshare endorsement or buy a separate commercial car insurance policy.

When do you need a commercial auto insurance policy?

Your auto insurance company will let you know if they require a separate policy or if you can add the rideshare endorsement to your policy.

According to NOLO, some car insurance companies will just allow you to add the endorsement The endorsement covers damage to the driver’s car and is a much cheaper option.

What insurance companies cover Lyft?

Many of the major car insurance companies offer Lyft insurance, including GEICO, Allstate, and Liberty Mutual.

Although you don’t have to worry about finding affordable Lyft car insurance since it is provided for you, you can still shop around to find the cheapest personal car insurance. Enter your ZIP code to compare quotes now.