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Uber and Lyft Car Insurance

Do you drive for Uber or Lyft? Do you need rideshare insurance coverage?


We proudly offer Progressive® Rideshare Insurance for Uber and Lyft drivers in Maryland


For drivers working with rideshare companies, such as Uber and Lyft, it is necessary to have the appropriate type of insurance to keep you covered during all stages of your drive. In many cases, drivers will need more than the basic coverage supplied by their rideshare company. Uber and Lyft provide insurance for their drivers, but it is not as comprehensive as you think.

Our team at MAIF Insurance Online works with Uber and Lyft drivers to help them obtain the rideshare insurance they need. We offer rideshare insurance through Progressive for Maryland rideshare drivers.

What is Rideshare Insurance?

Rideshare insurance aims to cover the gap in insurance between the insurance your rideshare company provides and your personal full coverage insurance. With rideshare insurance, the driver can choose the options that best suits their needs. In many cases, rideshare insurance can save time, money, and liabilities in the future.

Uber and Lyft Car Insurance for Maryland

Do I Need Rideshare Insurance?

All drivers are required to have auto insurance in Maryland. In many cases, rideshares companies like Uber and Lyft offer primary packages to keep you covered while you drive, but the packages they provide are not comprehensive. This means that you might experience a gap in your auto insurance.

Most rideshare trips are explained in three steps. In most situations, the traditional coverage from a rideshare company will only accommodate coverage for stage 2 and stage 3.

  • Stage 1: Rideshare driver is signed-in and waiting for a ride request
  • Stage 2: Rideshare driver accepts a ride request and is on their way to pick up their customer
  • Stage 3: Rideshare driver is now taking their customer to their chosen destination

Keep in mind that rideshare insurance is paired with the coverage offered by your rideshare company. So rideshare drivers will need both of them to cover the gap in insurance. While the coverage provided by your rideshare business keeps you covered through step 2 and step 3, it leaves you at risk during step 1.

More specifically, if you are in step 1 and you got in an accident, your basic rideshare insurance may not cover your expenses. During step 1, your ridesharing company’s policy may dismiss any losses or damages to your car.

Standard auto insurance policies do not typically cover Uber drivers. While Uber does provide some liability coverage for drivers while they are using the Uber app, it is often not enough to protect drivers in the event of an accident.

There are a few things that Uber drivers can do to protect themselves financially in the event of an accident. First, they should make sure that they have adequate liability coverage. This can be done by purchasing an supplemental insurance policy that is specifically designed for ride-sharing drivers. Second, they should always keep a copy of their Uber driver agreement in their car. Finally, it doesn’t hurt to have health insurance coverage and disability coverage.

Do I have to tell my car insurance provider that I drive for Uber or Lyft?

Yes. You should notify your current auto insurance provider that you operate your vehicle as part of a rideshare service. Sometimes they can offer you additional coverage! This can also prevent you from loosing your coverage if they find out that you drive your car for a rideshare company before you let them know.

Does ridesharing increase insurance cost?

Yes. Adding rideshare coverage to your existing insurance policy will naturally increase your cost of insurance premiums, almost always. Maryland Auto Insurance works with Progressive to offer affordable pricing for anyone seeking rideshare coverage.

Is Rideshare Insurance right for me?

Rideshare insurance covers the gap in coverage between the coverage provided by transportation network companies and your personal insurance. Rideshare coverage keeps you protected during all phases of your ride. In most cases, drivers obtain rideshare insurance to avoid future problems.

If you would like to learn more, our team at MAIF Insurance Online can work with you to explore some of your options.

Get Progressive Rideshare Insurance Through MAIF Insurance Online

Maryland Auto Insurance offers a full range of affordable auto insurance options for your rideshare needs. We proudly offer affordable rideshare insurance for Uber and Lyft drivers in Maryland through Progressive auto insurance.

If you would like to determine if rideshare insurance is right for you, contact one of our experienced team members at MAIF Insurance Online.

To learn more, call 301-842-6002 or contact us online.

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