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Insurance coverage while driving with Lyft

It’s important you know how and when our policies may cover you and/or your passengers in the event of an incident. The following is an overview of how our insurance policies work.
*These policies do not apply to NYC Taxi and Limousine Commission, livery, or Transportation Charter Permit drivers on the platform, who are subject to state and local requirements to carry their own commercial auto insurance.
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Coverage when the app is off
Lyft does not have a policy that applies when your app is off. You should contact your personal auto insurer in this case.
If you rented a car through Express Drive, the standard auto insurance in the rental agreement applies.
Coverage when the app is on and driver is receiving rides
Lyft maintains third-party liability insurance for covered accidents, if your personal insurance does not apply, of at least*:
  1. $50,000/person for bodily injury*
  2. $100,000/accident for bodily injury*
  3. $25,000/accident for property damage*
*For covered accidents in Arizona and Nebraska, 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. Lyft does not procure insurance for rides with (i) Taxi and Limousine Commission (TLC) drivers originating in the five boroughs of New York City and specific NY counties (Westchester, Nassau, Suffolk, Dutchess, Ulster, and Rockland), and (ii) livery and/or Transportation Charter Permit (TCP) drivers countrywide. TLC, livery, and TCP drivers procure their own policies consistent with state and local requirements.
Learn more here. Contact your insurance company, agent, or broker to learn more.
Coverage when the app is on and driver is picking up a passenger/during a ride
Lyft maintains the following insurance for covered accidents:
  1. In most markets, at least $1,000,000 for third-party auto liability coverage (these limits are lower and/or not procured in certain markets, exceptions noted below)
  2. First-party coverages, which may include uninsured motorist coverage, underinsured motorist coverage, PIP, MedPay, and/or Occupational Accident coverage
  3. 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)
* For covered accidents in Maryland, third-party liability insurance is $125,000 (combined single limits for bodily injury and property damage) during the time in which a driver is en route to pick up a passenger, consistent with state requirements. Lyft does not procure insurance for rides with (i) TLC drivers in the five boroughs of New York City and specific NY counties (Westchester, Nassau, Suffolk, Dutchess, Ulster, and Rockland), and (ii) livery and/or TCP drivers countrywide. TLC, livery, and TCP drivers procure their own policies consistent with state and local requirements.
Express Drive coverage
Express Drive insurance coverage depends on which of the following four periods you're in when an incident occurs:
  1. Personal driving: You’re offline (i.e. not in driver mode).
  2. Waiting for a request: When the app is in driver mode and you have not received a ride request.
  3. Picking up a passenger: This includes the time from accepting a ride request until you pick up your passenger.
  4. Ride in progress: This includes the time from pickup of a passenger until the time the ride has ended.
Complete coverage details for our Express Drive program can be found here.
Know your insurance
These coverages are available in all states in the U.S., except Lyft does not procure insurance for rides with (i) Taxi and Limousine Commission (TLC) drivers originating in the five boroughs of New York City and specific NY counties (Westchester, Nassau, Suffolk, Dutchess, Ulster, and Rockland), and (ii) livery and/or Transportation Charter Permit (TCP) drivers countrywide. TLC, livery, and TCP drivers procure their own policies consistent with state and local requirements.‬
Some regions may have specific requirements that modify the described coverage.
Several personal auto insurers also offer different coverages available for transportation network drivers. Please contact your personal auto insurer to find out what policies are available to you.
If you need to review Lyft’s proof of insurance, click here to learn more.
For your claims process, you can expect to work with one of the following companies: Allstate Insurance Company (North Light Specialty Insurance Company), Liberty Mutual Insurance, Mobilitas Insurance Company, Progressive (United Financial Casualty Company), State Farm Insurance Company, or Travelers (Constitution State Services).
What insurance is needed for livery and TCP drivers?
As a professionally licensed driver, you are subject to state or local livery regulations, including requirements to carry your own commercial auto insurance. Rideshare insurance policies do not apply. Commercial policy coverage amounts may be less than rideshare policy coverage amounts.
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