Ride Share Driver Insurance

Yes, you generally need separate ride-share insurance or a ride-share endorsement added to your personal auto insurance policy. While companies like Uber and Lyft provide some insurance coverage when you have a passenger or are on your way to pick one up, there may be gaps in coverage when you are available and waiting for a ride request.

Ride-share insurance usually covers liability for bodily injury and property damage, comprehensive and collision coverage, and may include uninsured/underinsured motorist coverage. The specifics can vary by the insurance provider and policy, so it's important to review the terms carefully.

The cost of ride-share insurance is typically affordable, but it may vary depending on several factors including your driving history, location, the type of vehicle you drive, and the coverage limits you select. It is typically more expensive than standard personal auto insurance due to the higher risk associated with transporting passengers for hire.

Generally, no. Most personal auto insurance policies exclude coverage for commercial use of your vehicle, which includes driving for ride-sharing services. Without appropriate ride-sharing insurance or an endorsement, you could be at risk of a coverage gap and potentially significant out-of-pocket expenses in the event of an accident while ride-sharing.