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Does My Insurance Cover Me if I Drive for Uber or Lyft?

Buckle Team
July 19, 2022

Having Lyft and Uber driver insurance is essential. If you're wondering, does my insurance cover me if I drive for Uber or Lyft, the answer may surprise you. Explore the answer to questions like this before signing up for Uber (or Lyft) driver insurance. Then see how Buckle can help you get the rideshare insurance you need to drive with peace of mind.

You've decided to earn some extra cash by becoming a gig driver for Uber or Lyft. Good for you! One of the most important questions you'll ask when starting out in the rideshare industry is, "Does my insurance cover me if I drive for Uber (or Lyft)?" 

We'll answer some commonly asked questions about whether or not you're covered if you start driving for a rideshare company like Uber or Lyft. We'll then go over how Buckle can help you obtain the coverage you need, whether you're looking for Lyft or Uber driver insurance.

Does Uber Insure Drivers? What About Lyft?

First, let's establish that if you're going to be a Lyft or Uber driver, insurance is a must. This type of coverage is called rideshare or gig insurance. Rideshare companies like Uber and Lyft will provide some coverage for their drivers, but it doesn't protect you the entire time you're on the road – only when you're engaged in transporting passengers. So it's wise to close the gaps in coverage so you have peace of mind at all times.

No, Car Insurance for Uber Drivers Isn't Covered by Personal Car Insurance Policies

If you think you're all set because you already have a personal auto insurance policy, think again. Insurance companies won't normally pay on claims made while you're driving for hire. If you want rideshare coverage, you'll need a special Uber or Lyft driver insurance policy. 

What Insurance Companies Cover Uber Drivers or Lyft Drivers?

When trying to figure out what insurance companies cover Lyft or Uber drivers, note that many national car insurance carriers offer rideshare packages, but not all. You'll need to check with your personal auto insurance provider to find out if they provide rideshare insurance, and if so, what their coverage is. They might not cover everything.

Another option is to choose a provider specializing in rideshare insurance – like Buckle. Buckle coverage protects drivers at all times by providing insurance, whether they're on the road as Uber/Lyft drivers or using their vehicle for personal excursions.

Before landing on a rideshare insurance company for your vehicle, the following are some things to consider.

Are You the Getting Uber/Lyft Driver Insurance Coverage You Need?

Car insurance for Uber drivers or Lyft drivers may include the following types of coverage. Get clarification on your policy so you don't have any unpleasant surprises down the road:

  • Liability Insurance: When you're at fault, liability insurance coverage pays for the damages your vehicle causes to other cars and property – and provides personal injury protection. It also protects against claims that arise from damage or injuries. 
  • Collision Insurance: If you hit another car or object, collision coverage pays for the damage to your vehicle.  
  • Comprehensive Coverage: This type of insurance helps you pay replacement or repair costs for your vehicle if it's stolen or damaged (but not from a collision). 

What Is the Deductible?

Often, an insurance carrier will offer you what seems like a very affordable rate, but that's because the deductible is high. The deductible is the amount you're responsible for before the insurance company pays. For example, if your deductible is $1,000 and damages are $3,000, you'll pay the first $1,000 and the insurance company will cover the rest. Weigh your options carefully, so you choose a policy that fits your budget today and in the event of an accident.

Other Factors to Consider

There are a few intangibles that you should think about. For example, how responsive is the insurance company you're talking to? Do they have good reviews? Have they been recommended by a reputable source? 

Does My Insurance Cover Me if I Drive for Uber/Lyft? Yes – If You Choose Buckle.

For ultimate convenience, Buckle provides rideshare insurance coverage for both personal and rideshare driving. We offer coverage for delivery drivers, too. Many customers have chosen Buckle's Lyft and Uber driver insurance for the following reasons:

  • Affordable Rates
  • Deductible as low as $500
  • No credit check – we're more concerned with your driving record than your credit report.

Get a quote today and drive with peace of mind!

Buckle isn't available in all states, but we're working on it! In the meantime, rideshare drivers can sign up for a free membership and take advantage of tips, tricks and much more.

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