The best car insurance companies for Lyft drivers are State Farm, USAA, and Geico, with rates starting as low as $121/month.

These providers stand out by delivering both cost-effective options and reliable support, ensuring Lyft drivers receive the protection they need on the road.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	17%	B	Customer Service	State Farm
	#2	10%	A++	Military Drivers	USAA
	#3	25%	A++	Cheap Rates	Geico
	#4	25%	A+	Add-on Coverages	Allstate
	#5	10%	A+	Safe-Driving Discounts	Progressive
	#6	20%	A	Safe Drivers	Farmers
	#7	25%	A	24/7 Support	Liberty Mutual
	#8	20%	A+	Multi-Policy Savings	Nationwide
	#9	13%	A++	Bundling Policies	Travelers
	#10	15%	A	Online Tools	Safeco

Choosing the right insurer can make a significant difference in both savings and service quality. For more details, check out our guide titled "Guide to Saving Money by Switching Car Insurance Companies."

Avoid overpaying for your car insurance by entering your ZIP code above in our free comparison tool to find which company has the lowest rates.

What You Should Know

• State Farm offers the best rates for Lyft drivers, starting at $121/month
• Insurer provides competitive premiums and excellent coverage options
• Choose the right insurance to balance cost, coverage, and customer service

#1 – State Farm: Top Overall Pick

Pros

• Strong Claims Support: Lyft drivers can rely on State Farm's excellent customer service to handle claims quickly and efficiently. Learn more in our State Farm review.
• Local Agent Availability: Lyft drivers benefit from easy access to local agents for personalized assistance and policy updates.
• Rideshare Endorsement Expertise: State Farm’s customer service team is well-versed in rideshare policies, providing Lyft drivers with clear coverage guidance.

Cons

• Limited Online Interaction: Some Lyft drivers may prefer a more robust online customer service portal, which State Farm lacks.
• Inconsistent Agent Experiences: Lyft drivers might experience varying levels of support depending on their local agent.

#2 – USAA: Best for Military Drivers

Pros

• Tailored for Military Lyft Drivers: USAA offers exclusive benefits for Lyft drivers who are active or former military members.
• Affordable Rates: Lyft drivers from military backgrounds enjoy low rates on rideshare policies through USAA. Check out our USAA review.
• Flexible Coverage: USAA provides special considerations for Lyft drivers who may be deployed, allowing flexible policy management.

Cons

• Membership Restrictions: Lyft drivers without military ties cannot access USAA, limiting its availability.
• Fewer Local Agents: Lyft drivers may find limited access to in-person assistance since USAA primarily operates online and by phone.

#3 – Geico: Best for Cheap Rates

Pros

• Low Rates: Geico offers highly competitive rates for Lyft drivers, making it an attractive option for budget-conscious rideshare drivers.
• Affordable Rideshare Endorsements: Lyft drivers can easily add Geico’s affordable rideshare endorsements to their policies without breaking the bank.
• Frequent Discounts: Lyft drivers can enjoy discounts for safe driving, bundling, and low mileage. Check out our ranking of the top providers: Best Low-Mileage Car Insurance Companies

Cons

• Customer Service Limitations: Some Lyft drivers report dissatisfaction with Geico’s customer service, particularly in claims handling.
• Coverage Gaps: Geico’s cheapest policies for Lyft drivers may come with significant gaps in coverage during rideshare periods.

#4 – Allstate: Best for Add-on Coverages

Pros

• Comprehensive Add-ons: Allstate offers various add-ons, such as rideshare-specific endorsements, that Lyft drivers can customize to fit their needs.
• Unique Accident Forgiveness: Lyft drivers benefit from accident forgiveness coverage, helping them avoid premium hikes after a crash. Read our Allstate review for more.
• Rideshare-Specific Policies: Lyft drivers can opt for dedicated rideshare insurance add-ons tailored specifically for their unique driving situations.

Cons

• Lack of Bundling Savings: Lyft drivers may find limited bundling options for rideshare-specific policies, making the overall package less cost-effective.
• Complicated Policy Management: Lyft drivers could find the range of add-ons overwhelming or difficult to manage effectively.

#5 – Progressive: Best for Safe-Driving Discounts

Pros

• Attractive Safe-Driving Rewards: Progressive offers Lyft drivers significant discounts for maintaining a clean driving record.
• Snapshot Program: Lyft drivers can benefit from Progressive’s Snapshot tool, which tracks safe driving habits to lower premiums.
• Frequent Discount Opportunities: Lyft drivers can save long-term with Progressive’s safe-driver discounts. Discover details in our Progressive review.

Cons

• Complex Qualification Criteria: Lyft drivers may find the qualifications for Progressive’s safe-driving discounts confusing or difficult to meet.
• Discounts Reduce Slowly: Lyft drivers may have to wait a long time to see substantial savings through safe-driving programs.

#6 – Farmers: Best for Safe Drivers

Pros

• Safe-Driver Incentives: Farmers rewards Lyft drivers for consistently demonstrating safe driving behaviors with lower premiums. Get a complete view in our Farmers review.
• Multi-Vehicle Savings: Lyft drivers with multiple vehicles can receive additional discounts when all drivers maintain a clean record.
• Accurate Risk Assessments: Lyft drivers benefit from Farmers’ precise risk assessment models, leading to fair premium adjustments for safe driving.

Cons

• Strict Safe-Driver Criteria: Lyft drivers must meet strict standards to qualify for Farmers’ safe-driver discounts, which may be challenging for frequent drivers.
• Limited Regional Availability: Lyft drivers in certain regions may not be able to access all of Farmers’ safe-driving programs.

#7 – Liberty Mutual: Best for 24/7 Support

Pros

• Comprehensive Rideshare Coverage: The insurer offers tailored coverage for Lyft drivers, covering all potential scenarios. Find the full list in our Liberty Mutual review.
• Responsive Claims Handling: Known for its quick and efficient claims process, Liberty Mutual helps Lyft drivers get back on the road faster after an incident.
• Rideshare Insurance Integration: Their policies seamlessly integrate with Lyft’s coverage, reducing gaps and ensuring continuous protection for Lyft drivers.

Cons

• Customer Service Variability: While 24/7 support is available, some Lyft drivers have reported inconsistent service quality, which can be frustrating when urgent help is needed.
• Exclusions in Certain Areas: Liberty Mutual’s coverage may have limitations or exclusions based on geographic location, potentially affecting Lyft drivers in specific regions.

#8 – Nationwide: Best for Multi-Policy Savings

Pros

• Multi-Policy Savings: Nationwide offers discounts for bundling multiple policies, which can help Lyft drivers save on insurance costs when combining auto and other types of coverage.
• Flexible Coverage Choices: Nationwide lets Lyft drivers choose coverage from basic to comprehensive. Find more in our Nationwide review.
• Strong Financial Ratings: The company’s strong financial stability provides Lyft drivers with confidence that their insurer can handle claims and payouts effectively.

Cons

• Discounts Not Always Applied: Some Lyft drivers might find that multi-policy discounts are not applied automatically, requiring extra effort to secure the savings.
• Higher Initial Rates: The initial quotes for Lyft drivers might be higher compared to competitors, which can be a concern for those on a tight budget.

#9 – Travelers: Best for Bundling Policies

Pros

• Bundling Policies: Travelers offers bundling discounts for multiple insurance types, allowing Lyft drivers to save on both auto and other insurance needs.
• Customizable Coverage: Their policies are highly customizable, enabling Lyft drivers to tailor their insurance to fit specific rideshare requirements.
• Advanced Claims Technology: Travelers' advanced technology speeds up claims processing for Lyft drivers. See our Travelers review for more.

Cons

• Limited Discounts: Travelers may offer fewer discounts for Lyft drivers compared to other insurers, potentially impacting overall savings.
• Regional Differences in Coverage: Coverage availability and terms can differ by region, potentially affecting Lyft drivers depending on their location.

#10 – Safeco: Best for Online Tools

Pros

• User-Friendly Online Tools: Safeco provides excellent online tools for managing policies and claims, which is convenient for tech-savvy Lyft drivers.
• Competitive Rates: Offers competitive rates for rideshare insurance, which can be beneficial for Lyft drivers looking to keep their costs low.
• Easy Policy Management: The online platform allows Lyft drivers to easily update their coverage and manage their policies from anywhere. Explore our Safeco review.

Cons

• Limited In-Person Assistance: Safeco’s emphasis on online tools might be a drawback for Lyft drivers who prefer in-person support or have complex insurance needs.
• Customer Service Issues: While generally positive, some Lyft drivers have reported issues with customer service, such as delays in response times or resolution.

Top Car Insurance Rates and Discounts for Lyft Drivers: A Comprehensive Comparison

The rates in the table below are monthly rates for minimum and full coverage. Compare car insurance rates and discounts from leading providers for Lyft drivers. This guide provides an overview of minimum and full coverage rates across various insurers, as well as discounts available to help you save more. Find the best options to suit your needs and budget.

Insurance Company	Minimum Coverage	Full Coverage
	$85	$160
	$149	$188
	$202	$223
	$171	$216
	$163	$217
	$198	$228
	$134	$148
	$121	$174
	$163	$217
	$152	$153

State Farm offers the lowest minimum coverage rate at $121 and competitive full coverage at $174. Safeco provides affordable options with minimum coverage at $134 and full coverage at $148. To learn more, explore our resource titled "14 Ways To Get Cheap Car Insurance."

Other companies like Allstate and Geico have higher rates, with minimum coverage starting at $191 and $202, respectively. For full coverage, Geico and Progressive are the most expensive at $223 and $228.

Explore car insurance discounts tailored for Lyft drivers from top providers. This comprehensive table highlights key savings opportunities, including safe driving, multi-policy, and rideshare endorsements. Discover how each insurer offers unique discounts to help you maximize your savings while ensuring you get the best coverage.

Understanding the rates and discounts offered by top car insurance companies can help you make an informed choice. Whether you’re looking for the lowest premiums or the best discounts, this guide equips you with the information needed to secure the best coverage and savings for Lyft drivers.

Lyft Insurance Coverage Explained for Rideshare Drivers

When Lyft driver mode is off, your personal auto insurance covers you. When it's on, Lyft's rideshare insurance takes over, with comprehensive coverage varying during different phases of the drive.

• Contingent Liability: Lyft's contingent liability coverage works when driver mode is on but you haven't accepted a ride yet. This comes into play if your personal auto insurance doesn't cover you at this time. The maximum coverage is $50,000 per person/$100,000 per accident/$25,000 for property damage.
• Primary Auto Liability: This coverage is in effect from the time you accept a ride until the ride ends. So, the moment you accept a passenger, the entire time you're on the road until you leave them at their destination, you are protected by Lyft insurance coverage.
• Contingent Collision: In an accident, Lyft’s contingent collision coverage helps with physical damage if you have collision coverage on your personal policy. It features a $2,500 deductible and covers up to your car's actual cash value or replacement cost.
• Contingent Comprehensive: Lyft's contingent comprehensive coverage works like the contingent collision coverage, except it covers damage to your car not from a collision. The deductible for this coverage is also up to $2,500. You'll notice that deductibles for these coverages are higher than what you would see with your personal auto policies.
• Uninsured/Underinsured Motorist: This coverage protects you if you get into an accident with a driver who is uninsured or underinsured and is at fault for causing injury to you and/or your passengers.

Knowing the specifics of Lyft’s insurance coverage ensures you’re adequately protected throughout your rideshare journey.

From contingent liability to uninsured motorist protection, understanding each coverage type helps you navigate potential accidents and manage risks effectively while driving for Lyft. Learn more, explore our comprehensive resource titled "Is uninsured motorist coverage worth it?"

Actions to Take After a Lyft Accident

After a Lyft accident, first ensure everyone's safety and call 911 if there are injuries. Collect contact and insurance details from all parties and witnesses, and report the incident to the police for an official record.

Depending on your ride period, contact either Lyft or your personal insurance company to file a claim, noting that Lyft's coverage and deductibles vary based on whether you were en route to pick up a passenger or transporting one. To delve deeper, refer to our in-depth report titled "What is an insurance deductible?"

Identifying Coverage Gaps in Lyft Insurance

Identifying coverage gaps in Lyft insurance is crucial, as coverage varies by ride phase, with potential gaps when waiting for a request or between trips. For a thorough understanding, refer to our detailed analysis titled "What is gap insurance, and do I need it?"

Additionally, Lyft’s policy may not cover certain scenarios, such as when driving outside the service area or in locations with specific insurance requirements. Understanding these gaps helps drivers determine if they need additional coverage, such as rideshare insurance, to fill these voids and ensure complete protection on the road.

Save on Premiums and Coverage: Finding Affordable Car Insurance Providers for Lyft Drivers

Discover the best car insurance companies for Lyft drivers. State Farm, USAA, and Geico lead the pack with rates starting at $121/month, offering competitive premiums and tailored benefits for rideshare drivers.

This guide breaks down insurance rates, discounts, and coverage details, helping you find the most cost-effective and comprehensive protection for your Lyft driving needs. Learn how to avoid coverage gaps and ensure you're adequately protected on the road.

Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool below.

Frequently Asked Questions

What is the best car insurance for Lyft drivers?

State Farm, USAA, and Geico are top choices for Lyft drivers, offering affordable rates starting as low as $121/month. These companies provide comprehensive coverage and rideshare-specific policies, ensuring adequate protection during your driving shifts.

Do I need special insurance to drive for Lyft?

Yes, personal auto insurance typically doesn't cover rideshare activities. You’ll need either rideshare insurance or an endorsement on your current policy that covers you while you're driving for Lyft. Lyft provides some coverage, but it’s important to fill any gaps with additional insurance.

How does Lyft’s insurance work while I’m driving?

Lyft’s insurance varies based on the phase of your ride. When your app is off, your personal insurance covers you. Once you’re waiting for a ride request (Period 1), Lyft offers limited coverage. During active rides or en route to pick up a passenger (Periods 2 and 3), Lyft’s insurance includes higher coverage for liability, collision, and uninsured motorists.

To expand your knowledge, refer to our comprehensive handbook titled "What does liability car insurance cover?"

What happens if I get into an accident while driving for Lyft?

If you're in an accident, first ensure everyone's safety and call 911 if necessary. Document the accident and contact Lyft to file a claim. Depending on your ride period, Lyft’s insurance may cover some or all of the damage, but you may still need to file with your personal insurer, especially if you have a rideshare endorsement.

How much does rideshare insurance cost for Lyft drivers?

Rideshare insurance costs vary depending on the provider and coverage level, but rates typically start at around $120 to $150 per month for minimum coverage. Full coverage tends to be more expensive. It's essential to compare quotes to find the best deal for your specific situation.

What discounts are available for Lyft drivers?

Many insurers offer discounts for Lyft drivers, including safe driving discounts, multi-policy bundles, and rideshare endorsements. Some companies may also provide loyalty or low-mileage discounts, helping you save on premiums.

To gain profound insights, consult our extensive guide titled "How does my credit score affect my insurance premium?"

What coverage gaps should Lyft drivers watch out for?

Coverage gaps can occur during Period 1 (when you’re waiting for a ride request) as Lyft’s liability coverage is limited. Additionally, Lyft’s policy might not cover damages outside the service area or in certain locations with specific insurance requirements. Supplementing with a rideshare policy or endorsement can fill these gaps.

Can I use my personal car insurance for Lyft driving?

In most cases, your personal car insurance won’t cover you while you're driving for Lyft, especially during rideshare periods. You’ll need to either add a rideshare endorsement or purchase a separate rideshare insurance policy to ensure full coverage.

What should I do if Lyft’s insurance doesn’t cover all my damages?

If Lyft’s insurance falls short in covering your damages, check your personal auto policy if it includes a rideshare endorsement. You may also file a claim with your insurer for additional coverage, depending on your policy.

For a comprehensive overview, explore our detailed resource titled "Six Tips We Learned After Filing An Car Insurance Claim."

How can I find the cheapest car insurance for Lyft drivers?

To find the cheapest car insurance, compare quotes from multiple providers using an online comparison tool. Look for companies like State Farm, USAA, and Geico, which are known for affordable rates. Additionally, take advantage of discounts for safe driving, multi-policy bundles, or rideshare endorsements to lower your premium further.