If you've been in an accident and it’s an emergency, call 911. Learn more [here](#accident "here").

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](#faq)__.

### What Lyft’s insurance covers
There are three distinct periods that determine your insurance coverage while driving.

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

Lyft maintains third-party liability insurance for covered accidents if your personal insurance does not apply of at least: <sup>1</sup>
- 	$50,000/person for bodily injury
- 	$100,000/accident for bodily injury
- 	$25,000/accident for property damage

Lyft maintains  the following insurance for covered accidents:
- 	At least $1,000,000 for third-party auto liability
- 	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)

*1 Except covered accidents occurring in Arizona and Nebraska; where the 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.*

Quickly connect with an ADT security professional directly from your app. They can share important ride details with 911.

If you were in a collision, report your accident __[here](https://help.lyft.com/hc/en-us/articles/360018628473 "here")__. Our Claims Customer Care team is available 24/7 and will guide you through the next steps.

Everything you need to know about insurance coverage and options while driving with Lyft. Find out what personal auto insurance coverage you need, by state — and what’s covered by Lyft. 


Insurance resources for Lyft drivers

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*For illustrative purposes only; results may vary. Above figures based on earnings in {{region}} from 11-18-2021 to 12-15-2021. Drivers using Lyft earn by the job, not by the hour. The hourly earnings communicated are no guarantee of future performance and not indicative of any specific driver's earnings, and calculated before taxes, insurance, depreciation, and other costs associated with being a rideshare driver. This calculation includes all online platform time for drivers, including any potential time spent engaged with other app-based services.

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Shared matches you with others going the same way, so you can split the cost. Price is fixed upfront and always less than a standard Lyft. Available in select cities.

SHARED

Lux Black is the ultimate luxury ride. Arrive in a black car piloted by a top driver.

LUX BLACK

Lux Black XL is our most spacious luxury ride. Piloted by a top driver, this black car comfortably seats six passengers.

LUX BLACK XL

Lyft XL is a supersized ride with six seats for when you need more space or just want to roll with the entire squad. Available nationwide.

LYFT XL

Lyft Lux is your high-end ride. From business trips to a night on the town, it’s the perfect way to add a little luxury and arrive in style.

Lyft is your own personal ride. Whether you’re riding solo or hitting the town with your friends, this sedan is yours to fill. Up to 4 max; available nationwide.

LYFT

Get up to {{couponAmount}} off your next ride!

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Rideshare with Lyft. Lyft is your friend with a car, whenever you need one. Download the app and get a ride from a friendly driver within minutes.

All things insurance, all in one place.

What you need to drive with Lyft

What Lyft’s insurance covers

Coverage when the app is off

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

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

OUR TRUSTED AUTO INSURANCE PARTNERS

What to do in an accident

Get emergency help

Report your accident

Questions? We’ve got answers.