Insurance for Uber and Lyft
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Car Insurance for Uber Drivers
If you are a rideshare driver for a company like Uber or Lyft, you are also in the legal category known as “drive for hire.” Driving for hire means that personal car insurance does not cover you or your passengers while you’re logged into the app. If you are driving for Uber or Lyft, you should consider a personal rideshare insurance policy.
What will change if I start driving for Uber?
Uber and Lyft provide its drivers with Florida’s legally required insurance while logged into the app, but coverage will not protect your property through comp and collision. When you accept a ride and pick up a passenger, Uber provides additional liability, bodily injury, and PIP but does not cover the cost of damages to your personal property.
What Florida Requires While Logged in
Bodily injury $50K/$100K
Property damage $25K
Personal injury (PIP) $10K
What Florida Requires When Providing a Ride
Bodily injury $1M
Property damage $1M
Personal injury (PIP) $10K
Do I need additional coverage while driving for Uber or Lyft?
Limited coverage based on Florida’s legal requirements is certainly better than no coverage, but you may feel more comfortable knowing that your property is always protected in the event of an unexpected accident. As an Uber or Lyft driver, you may want to consider an individual rideshare insurance policy.
Benefits of Individual Rideshare Insurance
Comp & collision while logged in and transporting customers
Increased liability & property damage coverage
Increased PIP coverage
Can I find affordable insurance as an Uber driver?
Yes! We work to get the best possible rates to protect you, your property, and your passengers. Call us today or simply enter your zip code to compare quotes for the exact coverage you need.
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Our Service Areas
Our Florida-based staff serves Davie, Fort Lauderdale, Hollywood, Cooper City, Lauderhill, Tamarac, Margate, and Miramar with rapid insurance and tag services.