13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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If you’re a driver for a rideshare app like Uber or Lyft, auto insurers may classify you as a driver for a transportation network company (TNC). TNC drivers need a commercial insurance policy, also called rideshare insurance, to cover their bases when driving for a rideshare app.[1]
States have different requirements when it comes to rideshare insurance protections. In Florida, TNC drivers must have a primary automobile liability policy that covers at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage — among other insurance requirements.[2]
Here’s how Florida rideshare insurance works, including how much this type of insurance typically costs.
Quick Facts
Both Uber and Lyft offer varying levels of insurance protection to Florida drivers, but these drivers still need to maintain their own insurance policies.[3][4]
Three separate phases of working as a rideshare driver can require insurance coverage.
Liability-only rideshare insurance costs an average of $416 a month in Florida.
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Rideshare insurance requirements in Florida
If you’re driving for Uber or Lyft in Florida, it’s important to have adequate coverage for yourself and your vehicle.
“Drivers who are using their vehicle for any type of ridesharing programs will need to let their insurance provider know in order to ensure the vehicle is covered properly and the vehicle usage is listed correctly,” says Lauren McKenzie, broker and agent for A Plus Insurance. Rideshare insurance can help protect Florida rideshare drivers in three driving phases:[3][4]
Phase 1: During this phase, the driver is operating their vehicle for personal use, with the rideshare app turned off. The driver’s personal auto insurance policy is in effect, providing coverage for any accidents or incidents that may occur. It’s important for drivers to review their personal policy to ensure it provides enough coverage.
Phase 2: In this phase, the driver has turned on the rideshare app but has not received a request for a ride. If the driver’s personal auto policy doesn’t provide coverage during this time, the rideshare company’s insurance will kick in. While a specific rideshare insurance policy isn’t required in Florida, the state’s required insurance in this phase are $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.[2][5]
Phase 3: When the driver is en route to pick up a passenger or transporting them to their destination, Florida law requires the rideshare company to provide primary liability coverage. Uber and Lyft must provide coverage of at least $1 million for bodily injury and property damage.
Uber and Lyft requirements in Florida
To help you prepare to work as a rideshare driver, here’s a look at the car and driver requirements for Uber and Lyft in Florida.
Rideshare car requirements
Uber and Lyft have specific requirements for the types and condition of vehicles that drivers can use on their platforms. While these requirements can vary slightly depending on the city or region, the following are some general guidelines:
Number of doors: Uber and Lyft require vehicles to have at least four doors, excluding the rear hatch.
Model year: The model year requirement varies, but most often, vehicles must be a certain number of years old or newer. For example, Uber requires vehicles to be 15 years old or newer.
Vehicle type: Uber and Lyft accept various cars, including sedans, hatchbacks, SUVs, and minivans. Some cities may also allow specific types of vehicles, like electric or hybrid cars.
Vehicle condition: Both companies require vehicles to be in good condition and meet specific standards. This includes having functioning lights, operational windows, working air conditioning, and no major cosmetic damage.
Rideshare driver requirements
Uber and Lyft have certain requirements for people who want to become drivers on their platforms. While specific details may vary by region, the following are some common requirements:
Driver’s license: Drivers must have a valid Florida driver’s license — or a temporary out-of-state license for Lyft — to be eligible. The license should be active and not expired.
Age and experience: Uber requires drivers to meet the minimum driving age in Florida and have one year of driving experience, but three years of driving experience if they’re younger than 25. On the other hand, Lyft requires drivers to be at least 25 years old and have one year of driving experience in Florida.
Background check: Both Uber and Lyft conduct background checks on potential drivers. This check usually includes a review of driving records and criminal history.
Vehicle registration and insurance: Drivers must provide proof of vehicle registration and maintain personal auto insurance requirements that meet the minimum requirements in their state.
If you’re interested in driving for Uber or Lyft, review the specific requirements in your area, as they may differ slightly based on local regulations and policies.
Rideshare insurance costs an average of $257 a month for liability-only coverage and $369 a month for full coverage. Liability-only rideshare insurance is 22% higher than the Florida average of $212 a month for liability insurance, and full-coverage rideshare insurance is 21% higher than the state average of $304 a month for full coverage.
But these are averages, and your rates can differ based on your driving history, age, vehicle type, gender, and insurer.[6] For example, State Farm and GEICO have the lowest average rates for rideshare insurance in Florida. The table below shows the average rates in Florida for the top rideshare insurance companies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Quote: Full Coverage
▲▼
Average Quote: Liability Only
▲▼
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.
▲▼
State Farm
$99
$79
9
GEICO
$101
$81
9
Allstate
$173
$137
9
Mile Auto
$187
$141
8
Travelers
$205
$163
9
Safeco
$216
$193
8
Mercury
$221
$172
8
Liberty Mutual
$309
$168
8
Progressive
$317
$218
8
Infinity
$321
$231
0
GAINSCO
$325
$266
7
Direct Auto
$353
$187
7
National General
$360
$343
7
Foremost
$379
$243
7
Bristol West
$442
$299
5
Dairyland
$460
$263
7
AssuranceAmerica
$496
$290
5
The General
$533
$368
7
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.
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Types of rideshare insurance coverage
These are the types of rideshare insurance coverage commonly available:[7]
Liability coverage
This coverage kicks in if you’re at fault for an accident while driving for a rideshare company. It includes bodily injury liability coverage, which pays for medical expenses and legal fees if you injure someone, and property damage liability coverage, which covers the costs of repairing or replacing someone else’s property that you damage.
Uninsured/underinsured motorist coverage
This coverage provides protection if you’re in an accident where the other party is at fault and doesn’t have insurance or has insufficient coverage. It helps cover your medical expenses, lost wages, and other damages.
Collision and comprehensive coverage
Collision coverage pays for damages to your vehicle if you’re in a collision, regardless of who’s at fault. Comprehensive coverage, on the other hand, covers damages to your vehicle caused by noncollision events like theft, vandalism, natural disasters, and hitting an animal.
Deductible options
When purchasing rideshare insurance, you typically have the option to choose your deductible amount. The deductible is the amount you must pay out of pocket before your insurance coverage kicks in. Lower deductibles result in higher premium costs but reduce your financial burden in the event of a claim. And higher deductibles can lower your premiums but require a larger out-of-pocket payment if a claim occurs.
Florida rideshare insurance FAQs
If you’re looking for rideshare insurance in Florida, this additional information may help you in your search. You can also read Insurify’s guide on how to lower your car insurance premiums for more information.
Do you need rideshare insurance in Florida?
You need to let your insurance company know that you use your car while working for a ridesharing company or TNC. While Uber and Lyft provide insurance for drivers while they’re working with the app turned on, having a specific endorsement on your personal policy can provide more coverage in an accident.
Do Uber drivers in Florida have to carry commercial auto insurance?
Florida Uber drivers don’t have to carry commercial auto insurance, but they do need to meet state requirements for personal auto insurance coverage.[2]
Do you really need rideshare insurance if you have personal auto insurance?
Whether you need rideshare insurance depends entirely on the insurance company you’re working with, as well as state laws. “Some insurance companies will not cover a vehicle that is used for rideshare, while others will for a slight cost increase,” McKenzie says. “When you endorse an auto policy to include rideshare coverage, that entails increasing the liability limits from the state minimum required for bodily injury protection and property damage to the appropriate limits required for rideshare.”
What happens if you get into an accident while ridesharing without insurance?
In Florida, if you get into an accident while ridesharing without insurance, you may be personally liable for any damages or injuries. You could face legal consequences and financial burdens and potentially be unable to rely on insurance coverage that the ridesharing platform provides.[5]
Does DoorDash count as rideshare for insurance?
DoorDash isn’t a rideshare service in the same way as platforms like Uber or Lyft. However, DoorDash does provide some insurance coverage for its drivers while they’re actively engaged in deliveries.
How does a rideshare insurance claim work?
In a rideshare insurance claim, the driver typically notifies their personal insurance company and the ridesharing platform. Then, the insurance company processes the claim according to the terms and coverage of the rideshare insurance policy.
III. "What determines the price of an auto insurance policy?."
III. "Auto insurance basics—understanding your coverage."
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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