Rideshare Insurance

Specialized liability insurance for rideshare drivers

Rideshare insurance provides coverage for drivers using ride-hailing platforms, including premium and black car services. Whether you drive part time or full time, you may need extra coverage while accepting rides. Rideshare insurance can help make sure you're covered for every mile.

What is rideshare insurance?

Rideshare insurance is a type of livery insurance that helps protect drivers who use their car for both personal trips and rideshare work. If you drive for a platform like Uber or Lyft, your coverage needs can change the moment you turn on the app. A standard personal auto policy may not apply during parts of a trip, which can leave gaps in protection.

Most rideshare companies provide some insurance, but coverage can vary based on what you're doing at the time. Whether you're waiting for a request, heading to a pickup, or transporting a passenger, the right policy can help you stay protected throughout the ride.

Rideshare insurance types

Your coverage needs are shaped by how you use your vehicle for ridesharing:

• Commercial auto insurance is typically required for luxury, premium, or professional rideshare services like Uber Black and Lyft Black.
• Personal auto insurance with rideshare coverage may be available for drivers using their personal vehicles for standard rideshare coverage. This option generally isn't designed for luxury or professionally operated vehicles.

In other words, your setup determines which type of rideshare insurance fits best. If you're not sure if you need commercial auto insurance, explore our commercial vs. personal auto tool. When you have a better idea, you can start an online quote or call to speak with a licensed agent.

Who needs commercial coverage for luxury rideshare services?

Premium rideshare work — such as black car, executive, or luxury services — comes with higher vehicle values, added liability risks, and stricter local requirements. Commercial auto insurance helps meet these needs and protect your luxury vehicles, passengers, and business.

For-hire livery insurance is the main type of insurance used for premium rideshare services. It includes the auto coverages required by state law, such as liability. Progressive Commercial offers livery insurance in 40 states for drivers and businesses that provide passenger transportation services.

Commercial auto insurance for Uber Black

Uber Black connects passengers with professional drivers in high-end vehicles. It's available in most major U.S. cities. These services have to meet company and local livery rules. That means they need commercial insurance for Uber Black. A personal auto policy won't qualify.

If you want to learn more about Uber Black insurance requirements, you can review their commercial coverage FAQ.

Commercial auto insurance for Lyft Black

Lyft Black also offers a premium experience in select markets. Because Lyft Black operates at a higher service level, you'll typically need a commercial policy to meet Lyft Black car insurance guidelines and local regulations.

What premium vehicles are eligible for black car rideshare service?

Black car rideshare services typically require newer, high-end sedans and SUVs to meet specific standards for comfort, size, and appearance. These models help meet platform and local livery requirements, which is why drivers using them typically need commercial auto coverage.

Eligible vehicles for Uber Black car insurance and Lyft Black car insurance include:

• Mercedes‑Benz E‑Class and S-Class
• BMW 5 Series and 7 Series
• Audi A6, A7, and A8
• Cadillac Escalade
• Chevrolet Suburban and Tahoe
• Lincoln Navigator and Aviator
• Lexus LS and LX
• Tesla Model S and Model X
• Genesis G90 and GV80
• Land Rover Range Rover
• Porsche Cayenne
• Volvo XC90 and S90

How does rideshare insurance for premium vehicles work?

Premium rideshare providers are usually treated as commercial drivers, which means the rideshare company's liability policies might not apply. To cover your luxury services, you'll probably need business auto insurance.

Commercial for-hire livery can help protect you during all stages of a ride, like:

• Waiting for trip requests
• Driving to a pickup
• Transporting customers

In many cases, your commercial auto policy can protect your personal driving, too. Get a quote or call us to learn more about what we can cover.

Personal auto insurance options for non-luxury rideshare drivers

Some drivers may be able to add rideshare coverage to a personal auto policy. This endorsement helps protect standard rideshare services when the app is on and your personal auto policy may not apply. This option isn't intended for luxury or professionally operated vehicles, and it usually won't meet the requirements for black car services.

How much does rideshare insurance cost?

The cost of rideshare insurance depends on a variety of factors, including:

• Service level: Standard rideshare or premium black car service
• Coverage structure: Commercial for-hire livery policy or personal auto endorsement
• Coverage selections: Liability limits and operational commercial auto coverages
• Vehicle: Luxury vehicle type and value

Commercial auto insurance for black car services is usually more expensive. But, it can replace a separate personal policy and may qualify you for business auto discounts. The best way to learn your Lyft Black or Uber Black insurance cost is to get a quote.

Why choose Progressive Commercial for black car premium rideshare insurance

Progressive Commercial is the #1 commercial auto insurer in America.^* We have the expertise and flexibility to provide the coverage you need at competitive rates. Start a quote online or call us today to speak with an agent who can help you find the right protection for your luxury rideshare gig.

More information

• What is for-hire livery?
• Do I need a commercial auto policy?