Rideshare Insurance in Florida (2024)
Florida rideshare drivers and companies need to meet minimum insurance requirements that depend on the three phases of rideshare driving.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
If you drive for a rideshare company like Uber or Lyft in Florida, your personal auto policy can only protect you when the app is off. You’ll need additional rideshare insurance to cover you while you’re on your way to pick up a passenger and when you’re driving a passenger.
Here’s what you need to know about auto insurance in Florida as a rideshare driver.
Quick Facts
Uber and Lyft have different driver and vehicle requirements in Florida.
The average cost of rideshare insurance in Florida is $185 per month for liability coverage and $291 for full-coverage insurance.
Rideshare driving has three phases, and the type of insurance that applies depends on which phase you’re in as a rideshare driver.
Cost of rideshare insurance in Florida
Rideshare insurance in Florida ranges from $84 to $370 per month for liability coverage and $97 to $536 per month for full coverage, based on Insurify data.
How much you pay for coverage depends on a number of factors, including your ZIP code, your driving history, and the insurance company you choose. State Farm and GEICO offer the lowest monthly premiums for rideshare liability insurance in Florida, with monthly rates of $84 and $87, respectively.
Here’s a look at average rideshare liability insurance premiums from the most affordable insurance companies in the Sunshine State.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $84 |
| GEICO | $87 |
| Allstate | $146 |
| Mile Auto | $149 |
| Safeco | $164 |
| Mercury | $173 |
| Travelers | $174 |
| Liberty Mutual | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best rideshare insurance companies in Florida
As you shop around, you’ll notice that many car insurance companies provide rideshare insurance. Here’s more information about three of the best options: State Farm, Allstate, and Mercury.
State Farm: Best for cheap rates
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $68/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has the cheapest liability rideshare insurance in Florida on average, making it a solid choice. The car insurance company also offers plenty of discounts that can help you save even more money on a rideshare policy.
Pros
Lowest average rideshare rates
Many advertised discounts
Can file a claim online or with a local agent
Cons
Rideshare insurance adds 15%–20% to your State Farm rate
No gap insurance
No accident forgiveness
Allstate: Best for low deductibles
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $117/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $145/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
849NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate’s Ride for Hire endorsement offers rideshare insurance policies to drivers in Florida. The Ride for Hire coverage includes deductible gap coverage for vehicle damage up to $2,500, which may reduce your out-of-pocket expenses if you file a claim. You can get a quote online or work with a local agent to customize your policy.
Pros
Deductible gap coverage to lower out-of-pocket costs
Quick online quotes
Affordable premiums
Cons
Must have a current Allstate policy to buy rideshare insurance
Lower customer service ratings in Florida
Higher premiums than other insurers
Mercury: Best for multiple rideshare vehicles
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $154/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
3.6
A solid optionBased on 474 verified guest reviews and ratings
How drivers feel about Mercury
Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury
Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (260)
Patricia
November 4, 2024
Verified Review
Too Expensive
It's way overpriced. I'm shopping now.
Carol
November 2, 2024
Verified Review
Auto Insurance Costs Rise in Sanctuary States
They are very good if needed, but even without any tickets or accidents, their prices continue to climb higher.
Patricia
November 1, 2024
Verified Review
Excellent Service
I have not had any problems with the service, but one employee, in particular, goes beyond her responsibility with me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.48A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Mercury advertises rideshare insurance for Uber and Lyft drivers for as little as $0.90 per day. You can protect multiple vehicles you use for rideshare purposes with a Mercury personal auto policy. The company also has a highly rated mobile app that can help you file claims with ease.
Pros
Rideshare coverage specifically designed for Uber and Lyft drivers
May cover several rideshare vehicles
Mobile app for simple claims filing
Cons
Limited add-ons compared to other insurers
Poor customer service ratings
Must work with a Mercury insurance agent
Rideshare insurance requirements in Florida
Florida requires rideshare drivers to have coverage beyond the minimum requirements for non-commercial drivers in the state while working.[1]
Here are more details on each phase in the rideshare process and how it affects car insurance:
Phase 1: This refers to when you drive your vehicle for personal use. When you turn off the rideshare app, your personal auto insurance covers your vehicle. It’s a good idea to review your policy to make sure it meets your coverage needs. Many drivers decide to purchase more coverage than the state’s minimum requirements of $10,000 in personal injury protection and $10,000 in property damage liability coverage.[2]
Phase 2: During phase 2, you’ve turned your app on but haven’t received a ride request yet. If your personal car insurance doesn’t provide enough coverage during this phase, your rideshare insurance company can cover you. During this phase, Florida requires $50,000 per person for bodily injury liability, $100,000 per accident for bodily injury liability, and $25,000 for property damage liability. The state also requires uninsured/underinsured motorist coverage at the same bodily injury liability limits and $10,000 for personal injury protection.
Phase 3: In phase 3, you’re driving to pick up a passenger or transporting a passenger to their destination. Per Florida laws, the rideshare company must provide liability insurance. Uber and Lyft offer rideshare drivers in Florida coverage of at least $1 million for bodily injury and property damage.
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Requirements to drive for Uber and Lyft in Florida
Before you drive for a rideshare platform in Florida, like Uber and Lyft, you should understand the requirements for vehicles and drivers.
Rideshare car requirements
Uber
Uber’s car requirements in Florida vary by city or region, but here are general guidelines for vehicles:[3]
Model year of 2008 or newer
Must have four doors
Must be in good condition with no cosmetic damage
No commercial branding
Lyft
Lyft’s car requirements are similar in most parts of the Sunshine State. These vehicle guidelines include the following:[4]
Model year of 2012 or newer
Must have four doors
Must have five to eight seats, including the driver’s
Not a taxi, stretch limousine, or non-Express Drive rental
Not titled as salvage, non-repairable, rebuilt, or any other equivalent classification
Rideshare driver requirements
Uber
Uber’s driver criteria in Florida and other parts of the country are as follows:[5]
Must have a valid driver’s license
Age 25 or older
Must show proof of car insurance
Must have an in-state license and at least one year of driving experience in the U.S.
Must complete a driver screening test, which considers driving history and criminal background
Lyft
Lyft’s driver qualifications are standard across all states, including Florida:
Must have a valid driver’s license
Must have had a Social Security number for six months or longer
Age 25 or older
Must pass a driver screening test, which includes a driving history review and criminal background check
Must have a smartphone that can download and run the Lyft Driver app
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Types of rideshare insurance coverage
Here’s a brief overview of the different types of insurance that can cover you as a rideshare driver:
Liability
Liability insurance kicks in if you cause an accident while driving for a rideshare company. It helps pay for the other party’s medical expenses, their property damage, and your legal fees.
Uninsured/underinsured motorist
If you have a rideshare accident with an at-fault party who doesn’t have insurance or lacks sufficient coverage, uninsured and underinsured motorist coverage will apply. It can cover your medical bills, wages, and other damages.
Collision
Collision insurance pays for damages to your car if you’re in a car accident, regardless of fault.
Comprehensive
Comprehensive coverage reimburses you for non-collision events, such as vandalism and natural disasters.
Deductible options
Your deductible is the amount you have to pay before your rideshare insurance steps in and covers the rest. A lower deductible typically results in higher premiums, but it reduces your expenses after a claim. A higher deductible lowers your car insurance rates but comes with larger out-of-pocket costs.
Rideshare insurance FAQs
The following information can help answer your remaining questions about rideshare insurance coverage in the state of Florida.
What are the insurance requirements for rideshare in Florida?
Let your insurance company know that you use your vehicle to work for a transportation network company (TNC). Uber and Lyft provide some coverage while you have your app turned on, but a rideshare add-on or endorsement on your personal auto insurance policy can offer more comprehensive coverage.
Does Uber have uninsured motorist coverage in Florida?
Yes. Uber offers uninsured/underinsured coverage equal to at least $1 million in coverage for Florida rideshare drivers.
Do you really need rideshare insurance if you have personal auto insurance?
Standard personal auto insurance policies generally won’t cover ridesharing, so you’ll likely need additional coverage through a rideshare coverage endorsement or through your TNC. Rideshare drivers in Florida need higher liability limits than non-rideshare drivers. Rideshare insurance is worth the investment if you want adequate protection when you drive for personal or rideshare reasons.
What happens if you get into an accident while ridesharing without insurance?
If you have a car accident while ridesharing and don’t have insurance, you may have to personally cover any resulting injuries or damages. Plus, you’ll likely have to pay legal penalties.
Does GEICO offer rideshare insurance in Florida?
Yes. GEICO does have coverage for Florida rideshare drivers. The average cost of a rideshare policy is $87 per month for liability coverage and $99 for full coverage.
How does a rideshare insurance claim work?
To file a rideshare claim, you’ll need to reach out to your personal insurer and rideshare company. Your insurance company will then process the claim based on the specifics of the rideshare policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Florida
Sources
- The Florida Bar. "Consumer Pamphlet: Automobile Insurance."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Uber. "Vehicle requirements in your country."
- Lyft. "Florida Driver Information."
- Uber. "Driver requirements."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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