Rideshare Insurance Coverage

Before you consider driving for Uber, Lyft, or Flywheel learn more about rideshare insurance.

Considering driving for Uber, Lyft, or Flywheel and wondering about rideshare insurance? Ridesharing has become more popular than avocado toast, but before you hop behind the wheel, make sure you have the coverage you need.

While rideshare companies offer their drivers insurance coverage, it can be patchy. You might be covered while you’re toting customers, for example, but if you have a crash after you drop your passengers off—when you're alone in the car—the incident may not be covered. (That’s the kind of surprise that makes people say things like, "I don't like surprises.") On the flipside, your personal policy may not cover accidents that happen while you’ve got a rider in the car.

When you’re a rideshare driver, coverage depends on when the accident occurs:

Period 0

App is off, and you’re not ridesharing. Your personal insurance policy may cover you if an accident happens.

Period 1

App is on, and you’re waiting to be matched with a rider. Your personal coverage probably doesn’t cover this period. Your rideshare company provides liability coverage for this period, although it may be a small amount.

Period 2

You’ve been matched with a rider, and you’re on your way. Your rideshare company offers primary coverage during this time.

Period 3

Your riders are aboard. Your rideshare company’s policy covers any accidents while your passengers are in the car.

If you become a rideshare driver, make sure to tell your insurance company. If they find out another way—such as when you try to file a claim—they might drop your coverage.

The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.