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All things insurance, all in one place.

Insurance for rideshare drivers doesn’t have to be confusing. We’re here to help you understand what you need, what Lyft’s insurance covers, and what to do in an accident.

What you need to drive with Lyft

Drivers are required to have auto insurance that meets minimum state coverage requirements.

Keep in mind that most personal auto policies will not cover you while you’re driving with Lyft.

For complete coverage whenever you drive, consider buying a rideshare insurance policy or a rideshare endorsement.

To learn more about our insurance coverage, see our FAQs.

What Lyft’s insurance covers

There are three distinct periods that determine your insurance coverage while driving.

Coverage when the app is off

Your personal auto insurance coverage applies. If you rented a car through Express Drive, the standard insurance included applies.

Coverage when the app is on and drivers are able to receive ride requests

Lyft maintains third-party liability insurance for covered accidents if your personal insurance does not apply of at least: ¹

$50,000/person for bodily injury
$100,000/accident for bodily injury
$25,000/accident for property damage

Coverage when the app is on and drivers are en route to pick up passengers, or during rides

Lyft maintains the following insurance for covered accidents:

In most markets, at least $1,000,000 for third-party auto liability coverage (these limits are lower or not procured in some markets, exceptions noted below)²
First party coverages, which may include uninsured motorist coverage,
underinsured motorist coverage, PIP, MedPay, and/or Occupational
Accident coverage
If a driver obtains comprehensive and collision on their personal auto
policy, Lyft then maintains contingent comprehensive & collision coverage
up to the actual cash value of the car ($2,500 deductible)

Coverage when the app is on and a ride is in progress

Lyft maintains the following insurance for covered accidents:

At least $1,000,000 for third-party auto liability coverage^*
First party coverages, which may include uninsured motorist coverage,
underinsured motorist coverage, PIP, MedPay, and/or Occupational
Accident coverage.
If a driver obtains comprehensive and collision coverage on their personal auto policy, Lyft then maintains contingent comprehensive & collision coverage up to the actual cash value of the car ($2,500 deductible)

1 For covered accidents in Arizona and Nebraska,third-party liability insurance is $25,000/per person for bodily injury; $50,000/accident for bodily injury and $20,000/accident for property damage, consistent with state requirements. For rides originating in the five boroughs of New York City, as well as countrywide rides with livery and TCP drivers, Lyft does not procure any liability policy. TLC, livery and TCP drivers procure their own policy.

2 For covered accidents in Maryland, Lyft maintains $125,000 for third-party liability insurance (combined single limits for bodily injury and property damage) during the time in which a driver is en route to pick up a passenger, consistent with state requirements. For rides originating in the five boroughs of New York City, as well as countrywide rides with livery and TCP drivers, Lyft does not procure any liability policy. TLC, livery and TCP drivers procure their own policy.

* For rides originating in the five boroughs of New York City, as well as countrywide rides with livery and TCP drivers, Lyft does not procure any liability policy. TLC, livery and TCP drivers procure their own policy.