Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 29, 2021

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Key Takeaways

  • Car insurance is the cheapest for Lyft drivers
  • Lyft insurance doesn’t cover drivers at all times
  • Rideshare insurance provides additional protection

Lyft offers insurance to drivers, but it might not be enough if you get into an accident. Car insurance companies offer rideshare coverage for those that desire more protection. Learning about car insurance companies that cover Lyft drivers will help you get the best coverage.

Before learning about car insurance companies that cover Lyft drivers, enter your ZIP code above to find free auto insurance rates in your area.

How much is coverage from car insurance companies that cover Lyft drivers?

The Insurance Information Institute says that multiple factors impact cost, including the type of vehicle you drive and the policy you need. Coverage for Lyft drivers falls under commercial auto insurance. Many popular car insurance companies offer commercial policies, including:

  • Progressive
  • Nationwide
  • Farmers
  • The Hartford
  • State Farm

The following chart shows the rates of affordable car insurance companies that cover Lyft drivers based on the type of vehicle:

Average Minimum and Maximum Monthly Rates from Car Insurance Companies That Cover Lyft Drivers
Vehicle TypeMonthly Minimum Commercial Car Insurance RatesMonthly Maximum Commercial Car Insurance Rates
Cab$416$833
Car$50$273
Delivery Van$275$516
Limousine$333$500
Semi-Truck$667$1,041
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As you can see, car insurance quotes are cheaper than quotes for any other type of commercial vehicle.

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What policies are available from car insurance companies that cover Lyft drivers?

Lyft only requires that drivers carry a personal car insurance policy that meets their state’s minimum coverage requirements. The company provides insurance for drivers covering three different stages, all requiring operation of the app.

When waiting for a ride request, third-party insurance provides coverage. This coverage includes:

  • $50,000 bodily injury coverage per person
  • $100,000 bodily injury coverage per accident
  • $25,000 property damage coverage per accident

If the driver is on the way to the pickup point or has a passenger in the vehicle, they can receive coverage that includes:

  • $1 million for third-party auto liability
  • Uninsured or underinsured motorist bodily injury
  • Contingent comprehensive and collision up to the actual cash value of the car ($2,500 deductible)

While Lyft car insurance offers enough coverage to operate a vehicle, drivers might determine that they need more. Driving strangers around is different from being in a car by yourself. So what car insurance covers Lyft drivers?

Private auto insurance companies offer variations of car insurance for Lyft and Uber drivers through rideshare insurance. These policies are for those that use their vehicle for ridesharing companies like Lyft and Uber. Most companies offer three types of rideshare insurance policies.

  • Rideshare insurance gap coverage – Covers situations that might not be covered by Lyft when the app is on but passengers are not in the car
  • Personal insurance coverage extension – Allows customers to extend personal coverage into ridesharing trips
  • Hybrid insurance package – Replaces your personal car insurance with a rideshare-friendly plan

The best car insurance for Lyft drivers depends on multiple factors, including the amount of coverage needed and the car insurance companies’ rates that cover Lyft drivers in your area.

You might find some car insurance companies that don’t cover Lyft drivers, so ask specifically about rideshare insurance policies when looking for coverage.

How can I buy car insurance from companies that cover Lyft drivers?

If you decide that you need more insurance than what is offered by Lyft, the first step is to determine how much coverage is necessary. Then you can start looking at car insurance quotes that cover Lyft drivers. Comparing prices will allow you to find the best value for your situation.

Should you get into an accident while driving for Lyft, the app provides easy access to 911. This feature is available for any driver, regardless of their coverage. The app also allows those with insurance provided by Lyft to report their accident to the claims customer care team.

Car Insurance Companies That Cover Lyft Drivers: The Bottom Line

Lyft offers limited insurance coverage to drivers, but only while they’re using the app. Private companies provide additional options through rideshare insurance. Knowing about car insurance companies that cover Lyft drivers will help you obtain the best coverage.

Now that you know about car insurance companies that cover Lyft drivers, enter your ZIP code below to get free auto insurance quotes in your area.