How to Get Car Insurance if You’re a Lyft or Uber Driver

If you drive for Lyft or Uber you will likely need to purchase rideshare or commercial insurance so there are no gaps in your auto insurance coverage.

Brady Klopfer
How to Get Car Insurance if You’re a Lyft or Uber Driver

If you’re a driver, it’s crucial that you have car insurance. If you’re a driver for Lyft or Uber, then insurance is even more critical. Unfortunately, car insurance isn’t overly straightforward if you work for one of these rideshare companies. Both Uber and Lyft offer some insurance coverage of their own, but it won’t cover drivers full time, so it needs to be supplemented with a personal insurance plan as well.

However, that’s where it gets tricky. Many car insurance plans, when paired with the insurance provided by Uber and Lyft, still have gaps in the coverage. People who drive for Uber and Lyft need to make sure that there are no gaps in their coverage, or else they’ll be in danger of not being covered in the event of an accident.

If you do need additional coverage to fill the gaps between your personal car insurance and Uber or Lyft’s provided insurance, then you’ll surely want to find a cheap option.

In this article, Part 1 suggests you contact your car insurance company, Part 2 teaches you how to purchase affordable rideshare insurance, and Part 3 explains how to purchase cheap commercial insurance, if you need it.

Part 1 of 3: Contact your car insurance provider

You can determine whether you have gaps in your coverage on your own, and you can purchase the additional car insurance needed on your own. However, it’s easier and more fail proof to simply contact your car insurance company.

By contacting your car insurance provider, you can find out exactly where your car insurance is, and what it’s missing, as well as what you need to fill any gaps in your coverage for an affordable cost. You can contact your car insurance company by calling them, using their online chat system, or visiting an office.

Part 2 of 3: How to get cheap rideshare insurance

Most insurance companies offer rideshare insurance, which is an insurance package to supplement a pre-existing policy, to cover Lyft and Uber drivers. However, car insurance companies currently do not offer rideshare insurance in each state: instead, each company offers it only in a select number of states (if any at all), and some insurance companies only offer rideshare insurance in one state.

Purchasing cheap rideshare insurance is a matter of contacting numerous car insurance providers, and finding out which ones – if any – offer rideshare insurance. From there, you can compare quotes, and find the rideshare insurance package that is most affordable.

Part 3 of 3: How to purchase cheap commercial insurance

Unfortunately, purchasing cheap rideshare insurance isn’t always a possibility. Because legislation for rideshare insurance is relatively new, not all states and insurers have adopted it. While the list is always changing, currently Alaska, Hawaii, New Hampshire, New York, and North Carolina fail to have rideshare insurance options. In some other states the options may be limited enough that some drivers won’t be eligible for rideshare insurance.

If that’s the case, you’ll have to purchase commercial automotive insurance. Unfortunately, commercial auto insurance is a lot more expensive than personal car insurance or rideshare insurance, so Uber and Lyft drivers will have to decide whether or not it’s worthwhile continuing as a rideshare driver.

The cost of commercial car insurance differs depending on the state, provider, and how many miles you plan on driving for Uber and Lyft. The key to finding cheap commercial auto insurance is simply to shop around, and find numerous car insurance companies that fit your needs. That way, you’ll be able to compare quotes, and find the car insurance package that is easiest on your wallet.

The purpose of driving for Uber or Lyft is to make money. It only follows, then, that you’ll want to save as much money as possible when purchasing car insurance that will cover you while you’re on the job. With this guide, you should be able to find the best and most affordable insurance package that covers you while you drive for Lyft or Uber.

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