Uber & Lyft Insurance in California
Drive Protected. Earn With Confidence
Your personal auto policy doesn't cover you while you're driving for Uber or Lyft. One gap in coverage could cost you everything, your car, your income, and your financial future.
Express Lane Insurance specializes in rideshare insurance for California TNC drivers. We find you the right coverage for every period of your drive, so you're protected from the moment you open the app to the moment you drop off your last passenger.
Our Insurance Partners
We work with leading carriers to find you the best rideshare insurance rate in California, no matter your driving history or which platform you drive for.
Call For A Free QuoteMost Rideshare Drivers Are Dangerously Underinsured, And Don't Even Know It
Your personal auto insurance almost certainly has a rideshare exclusion buried in the fine print. Here's what that gap could cost you.
Your Personal Policy Won't Pay
The moment you open the Uber or Lyft app, most personal auto policies stop covering you. If you get in an accident between rides, you could be on the hook for every dollar — even if you thought you were covered.
Uber & Lyft's Coverage Has Serious Gaps
The TNC's own insurance only fully kicks in once you've accepted a ride. During Period 1 — app on, waiting for a match — their liability limits are minimal and you may have zero collision or comp coverage at all.
One Accident Could End Your Income
Without the right rideshare policy, a single at-fault accident could leave your car unrepaired, your income gone, and your savings wiped out in medical bills or lawsuits. Driving is your business — treat it like one.
We Specialize in Rideshare Insurance for California TNC Drivers
Rideshare insurance is different from ordinary auto coverage. The rules change depending on which app you use, what "period" you're in, and what California law requires. Our agents know these nuances inside and out.
Whether you drive full-time or just a few hours a week, we'll find a policy that fills the gaps and keeps your income protected. We've helped hundreds of Uber and Lyft drivers across Lancaster, Palmdale, and all of Southern California get properly covered.
Rideshare Coverage Specialists
We understand the "period gaps" in TNC coverage and how to find policies that protect you from the moment you open the app to the moment you sign off.
Same-Day Proof of Insurance
We get you your proof of insurance the same day, often in 15 minutes or less, so you can get back to earning without delay.
Locally Based in the Antelope Valley
Our offices in Lancaster and Palmdale mean you can walk in and talk to a real, local agent who understands the Southern California rideshare market.
We Work for You, Not the Carrier
We shop multiple insurance companies to find you the best rideshare rate for your situation, not just whatever pays us the most commission.
Getting Covered Is Simple
No confusing paperwork. No long hold times. Three steps and you're back on the road earning, fully protected from every angle.
Call or Request a Quote
Call us at (866) 488-7964 or fill out the quick form on this page. Tell us which platform you drive for and we'll take it from there.
We Build Your Rideshare Policy
Our agents identify the gaps in your current coverage and shop multiple carriers to find a policy that covers all three rideshare periods at the best price.
Drive and Earn With Confidence
Get same-day proof of insurance. Log back into the app knowing you're protected whether the app is on, you've accepted a ride, or a passenger is in the car.
The 4 Rideshare Periods, and What Covers You in Each
Rideshare insurance works differently than standard auto coverage. Your protection changes based on which "period" you're in. Understanding these gaps is the key to making sure you're never caught exposed.
App Off
You're driving for personal use. Your personal auto policy applies in full. No rideshare coverage is in effect.
Personal Policy OnlyApp On, Waiting for a Match
The most dangerous gap. Uber/Lyft provide limited liability only. Most personal policies exclude you. Without a rideshare policy, you have zero collision or comprehensive coverage.
Critical Gap — Must CoverRide Accepted, En Route to Pickup
Uber and Lyft provide higher liability and contingent collision/comp (with a deductible). A rideshare policy can reduce your out-of-pocket exposure significantly.
TNC + Rideshare PolicyPassenger In the Vehicle
Uber and Lyft provide their highest coverage tier: $1M liability, collision, and comp. A supplemental policy ensures seamless protection and lower deductibles.
TNC Full CoverageRideshare Coverage Built for California TNC Drivers
We offer a complete range of coverage options so you're protected during every period of your drive, not just when a passenger is in the car.
Period 1 Gap Coverage
The most critical and commonly overlooked gap. When you have the app on but haven't accepted a ride, a rideshare endorsement or commercial policy covers what Uber/Lyft and your personal policy both leave out, collision, comprehensive, and full liability.
Collision Coverage
Covers repairs to your vehicle after an accident, regardless of fault, during any rideshare period. This is especially important during Period 1 when the TNC's contingent collision doesn't apply and your personal policy excludes commercial use.
Comprehensive Coverage
Protects your vehicle from non-collision damage, theft, vandalism, fire, flooding, and weather events. Your car is your business tool. If it's out of commission, so is your income. Comprehensive coverage keeps you earning.
Liability Insurance
If you cause an accident, whether or not you have a passenger, liability coverage pays for the other party's medical bills and property damage. California law requires minimum liability at all times, including while the app is on.
Medical Payments (MedPay)
Covers your medical expenses and those of your passengers after an accident, regardless of who is at fault. As a rideshare driver, you're responsible for the people in your vehicle, MedPay helps protect both them and you.
Uninsured & Underinsured Motorist
Nearly 1 in 6 California drivers are uninsured. If an uninsured driver hits you while you're between rides, this coverage pays for your injuries and vehicle damage when the at-fault party can't. An essential add-on for high-mileage drivers.
Driving for Uber or Lyft Without the Right Policy Is a Risk You Can't Afford
A gap in your rideshare coverage isn't just inconvenient, it can end your ability to drive commercially and cost you far more than your car is worth. Here's what's at stake every time you open the app without proper coverage.
- Your personal insurer can deny your claim entirely if you were driving for hire
- Uber and Lyft can drop you from the platform after an uncovered at-fault accident
- You become personally liable for all medical and repair costs during coverage gaps
- A deactivation from the platform without income protection means instant income loss
- Underinsured coverage leaves you paying thousands in deductibles during Periods 2 & 3
- Uninsured passengers can sue you personally if they're injured in your vehicle
California TNC Insurance Requirements
Under California Public Utilities Code Section 5433, all TNC drivers must maintain specific levels of insurance during each period of operation. The law distinguishes between personal driving and app-on driving, and your personal insurer is not required to cover you for commercial use.
Imagine Every Shift With Total Confidence
When you're properly covered by an Express Lane Insurance rideshare policy, every pickup and drop-off looks different. You're not just earning, you're protected, prepared, and free to focus on the drive.
- Drive knowing every period of your shift is covered, app on or off
- Never worry about your personal insurer denying a rideshare-related claim
- Keep your car on the road, and your income flowing, after an accident
- Have a real local agent in your corner when you need to file a claim
- Keep more money in your pocket with rates starting at just $1/day
- Bilingual support available — hablamos español
What affects your rate
- Platform (Uber / Lyft)
- Driving Record
- Vehicle Type
- Age
- Location
- Hours Driven
- Coverage Level
- Prior Coverage
Don't Drive One More Shift Without the Right Rideshare Coverage
Call us today or submit a quick quote request. We'll identify your coverage gaps, find you the best rate, and get you protected before you log back in.
Call For A Free Quote Serving Lancaster, Palmdale & Southern California · (866) 488-7964Customer Reviews
Don't just take our word for it. Rideshare drivers across Lancaster, Palmdale, and Southern California trust Express Lane Insurance to keep them covered on every shift.
"Great experience with Danny! I spoke to 12 different insurance companies over three days and Danny was the only one who got me such a fair quote, super fast. He kept my quote available and I am a repeat customer. 10/10"
"I would like to thank Danny who was very helpful and respectful. He found me the best rate after my rideshare situation. I would highly recommend this place to anybody looking for coverage. Thank you Express Lane Insurance!!!"
"Got covered the same day I called. Danny made it completely painless — found me a great rate and explained everything clearly. I'm telling all my friends and family about Express Lane Insurance!"
"Needed rideshare insurance fast and they delivered. Bilingual service was a huge plus for my family. Very professional, very quick. Highly recommended for any Uber or Lyft driver looking for affordable coverage."
"After being turned down by two other agencies I was so relieved to find Express Lane. They worked with my situation and got me covered at a price I could actually afford. Amazing customer service!"
Frequently Asked Questions About Uber & Lyft Insurance in California
Does my personal auto insurance cover me when I drive for Uber or Lyft?
In most cases, no. The majority of personal auto insurance policies include a rideshare exclusion, meaning they will deny claims that occur while you are driving commercially. Once you turn on the Uber or Lyft app, you are generally no longer covered by your personal policy. You need a separate rideshare endorsement or a dedicated rideshare insurance policy to close this gap.
What insurance does Uber or Lyft provide for their drivers?
Both Uber and Lyft provide different levels of coverage depending on the "period" you're in. During Period 0 (app off), they provide nothing. During Period 1 (app on, waiting for a match), they provide only limited liability coverage, no collision or comprehensive. During Periods 2 and 3 (accepted ride or passenger on board), they provide higher liability limits and contingent collision/comp coverage with a deductible. A rideshare insurance policy fills the gaps that the TNC's coverage leaves open.
What is rideshare insurance and do I need it?
Rideshare insurance, sometimes called TNC (Transportation Network Company) insurance, is a policy or endorsement specifically designed to cover you during all periods of rideshare driving, especially the dangerous gap during Period 1 when neither your personal policy nor the TNC's coverage fully protects you. If you drive for Uber, Lyft, or any other rideshare platform in California, you need rideshare insurance.
What are California's rideshare insurance requirements for TNC drivers?
Under California Public Utilities Code Section 5433, all TNC drivers must maintain minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, and $30,000 for property damage while the app is on (Period 1). During Periods 2 and 3, both Uber and Lyft provide $1 million in liability coverage. California law requires TNC drivers to carry proof of this coverage at all times.
Can I get rideshare insurance with a DUI or bad driving record?
Yes. Express Lane Insurance specializes in helping high-risk and non-standard drivers find coverage. Whether you have a DUI, multiple accidents, a lapse in coverage, or an SR-22 requirement, our agents work with multiple carriers to find rideshare coverage that fits your situation. Give us a call at (866) 488-7964 and we'll get to work.
How much does rideshare insurance cost in California?
Rideshare insurance costs vary depending on your vehicle, driving record, location, and the number of hours you drive per week. At Express Lane Insurance, coverage starts as low as $1 per day. Adding a rideshare endorsement to your existing policy is typically more affordable than a standalone commercial policy, and our agents will find the most cost-effective option for your situation.
Can I get same-day rideshare insurance coverage?
Yes. In most cases, we can get you fully covered the same day you call. You'll receive proof of insurance within 15 minutes in many cases, whether you walk into one of our offices in Lancaster or Palmdale, or call us over the phone. Don't lose another shift — call (866) 488-7964 today.
Does rideshare insurance cover food delivery apps like DoorDash or Instacart?
Standard rideshare policies are designed for TNC drivers (Uber, Lyft). Some policies also cover delivery app drivers, but coverage varies by carrier. If you drive for food delivery platforms, be sure to mention this when you call, we'll find a policy that covers all the platforms you use so you're never caught without coverage.
Serving Rideshare Drivers Across Los Angeles County
We proudly provide affordable Uber and Lyft insurance in Los Angeles and surrounding communities, helping TNC drivers stay legal, protected, and earning.
Rideshare Insurance in Lancaster, CA
44215 20th St. West, Lancaster, CA 93534
Rideshare Insurance in Lancaster, CA
830 W Ave L Suite 135, Lancaster, CA 93534
Rideshare Insurance in Palmdale, CA
37951 47th Street East, Unit A11, Palmdale, CA 93552
Looking for Uber or Lyft insurance in Los Angeles? Our agents understand local rideshare driving risks and TNC insurance requirements throughout Southern California.