All things insurance, all in one place.

Insurance for rideshare drivers doesn’t have to be confusing. We’re here to help you understand what you need, what Lyft covers, and what to do in an accident.

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What you need to drive with Lyft

Lyft drivers are required to have a personal auto insurance policy that meets minimum state coverage requirements.

Keep in mind that certain personal auto policies may 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.

What Lyft covers

There are three distinct periods that determine your insurance coverage while driving.

App is off

App is off

Your personal auto insurance coverage applies.

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App is on, waiting for a ride request

Lyft provides third-party liability insurance for covered accidents if your personal insurance does not apply. 1

  • $50,000/person for bodily injury
  • $100,000/accident for bodily injury
  • $25,000/accident for property damage
App is on for passengers

App is on, picking up passengers or during rides

Lyft provides the following insurance for covered accidents:

  • $1,000,000 for 3rd-party auto liability 1
  • Uninsured/underinsured motorist bodily injury 2
  • Contingent comprehensive & collision up to the actual cash value of the car ($2,500 deductible) 3

1 Policies may be modified to comply with state or city insurance requirements.
2 Coverage, where provided, may be modified to the extent allowed by law.
3 Applies if a driver has obtained comprehensive and collision on their personal auto insurance policy.


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What to do in an accident

Call 911

Call 911 easily

To give you immediate access to emergency help in case you ever need it, we built a 911 button into your app.

Report your accident screen

Report your accident

If you were in a collision, report your accident here. Our Claims Customer Care team is available 24/7 and will guide you through the next steps.

Questions? We’ve got answers.