Rideshare Insurance Requirements by State (2026)
The insurance each state requires for Uber and Lyft drivers while the app is on and during a ride.
| State | Uber and Lyft insurance |
|---|---|
| Alabama | Uber/Lyft insurance: while a transportation network company (TNC) driver is logged on and available but has not accepted a ride, primary liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage is required, plus all other state-mandated motor vehicle coverage. From accepting a ride until the last rider leaves the car, primary liability coverage of at least $1,000,000 for death, bodily injury and property damage is required, plus all other state-mandated coverage. The coverage may come from the driver, the TNC or both; if the driver's insurance lapses or does not cover the claim, the TNC's insurance must pay from the first dollar. Ala. Code §§ 32-7C-1, 32-7C-2 |
| Arizona | Uber/Lyft insurance: while a transportation network company (TNC) driver is logged on to the app but not providing services, the driver, the TNC or both must provide primary liability insurance of $25,000 for injury or death of one person, $50,000 for two or more persons, and $20,000 for property damage per accident. While providing transportation network services, they must maintain primary commercial liability insurance of at least $250,000 per incident, or at least $1,000,000 per incident when a passenger is in the vehicle, plus primary commercial uninsured motorist coverage of the greater of $25,000 per person and $75,000 per incident or the state minimum liability limits. A.R.S. § 28-4038 |
| Arkansas | Uber/Lyft insurance: while a transportation network company (TNC) driver is logged on and available but not engaged in a prearranged ride, primary liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage is required. While engaged in a prearranged ride, primary liability coverage of at least $1,000,000 for death, bodily injury and property damage is required. The coverage may come from the driver, the TNC or a combination; if the driver's coverage lapses or is insufficient, the TNC's insurance must cover the claim from the first dollar. The section read sets no separate uninsured/underinsured motorist amount. Ark. Code Ann. § 23-13-709 |
| California | Uber/Lyft insurance: according to the California Public Utilities Commission, while the app is open and the driver is waiting for a match (Period 1), primary insurance of at least $50,000 per person and $100,000 per incident for death and personal injury and $30,000 for property damage is required, plus at least $200,000 per occurrence of excess coverage. From accepting a ride through the end of the trip (Periods 2 and 3), primary commercial insurance of $1,000,000 is required. Coverage may be maintained by the driver, the TNC or a combination. California Public Utilities Commission, Insurance Requirements for TNCs |
| Colorado | Uber/Lyft insurance: while a transportation network company (TNC) driver is logged into the app but not on a prearranged ride, the driver or the TNC must keep primary auto insurance of at least $50,000 per person and $100,000 per accident for injury and $30,000 for property damage. During a prearranged ride, primary liability insurance of at least $1,000,000 per occurrence is required, and since August 10, 2022 the TNC must also secure uninsured motorist coverage for the driver and riders of at least $200,000 per person and $400,000 per occurrence. C.R.S. § 40-10.1-604 |
| Connecticut | Uber/Lyft insurance: while a transportation network company (TNC) driver is logged on and available but not on a ride, primary liability coverage of at least $50,000 per person and $100,000 per accident for bodily injury or death and $25,000 for property damage is required, plus uninsured and underinsured motorist coverage under the state's UM statute. While providing a prearranged ride, primary liability coverage of at least $1,000,000 per accident is required, plus uninsured and underinsured motorist coverage. The coverage may come from the driver, the TNC or both; if the driver's policy lapses or does not cover the claim, the TNC's policy must pay from the first dollar. Conn. Gen. Stat. § 13b-120 |
| Delaware | Uber/Lyft insurance: while a transportation network company (TNC) driver is logged on and available but not on a prearranged ride, primary liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage is required, plus personal injury protection where required and uninsured/underinsured motorist coverage of at least $100,000 per incident. During a prearranged ride, primary liability coverage of at least $1,000,000 for death, bodily injury and property damage is required, plus uninsured/underinsured motorist coverage of at least $1,000,000 per incident. The coverage may come from the driver or the TNC; if the driver's insurance lapses or falls short, the TNC's insurance must cover from the first dollar. 2 Del. C. § 1908 |
| District of Columbia | Uber/Lyft insurance: in the District, while a private vehicle-for-hire (rideshare) operator is logged on to the company's digital dispatch but not on a trip, the operator or company must carry primary liability insurance of at least $50,000 per person, $100,000 for all persons per accident, and $25,000 for property damage. From accepting a ride until the passenger leaves the vehicle, the company or operator must maintain primary liability coverage of at least $1,000,000 per occurrence. The section does not itself require uninsured/underinsured motorist coverage. D.C. Code § 50-301.29c |
| Florida | Uber/Lyft-type (transportation network company, TNC) drivers must carry primary auto insurance that recognizes TNC driving. While the driver is logged on to the app but not on a prearranged ride, the coverage must include liability of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus personal injury protection (PIP) and uninsured/underinsured vehicle coverage. From the start of a prearranged ride, liability coverage of at least $1 million for death, bodily injury and property damage is required, plus PIP at the limousine minimums and uninsured/underinsured coverage. The coverage can come from the driver, the TNC or both, and if the driver's insurance lapses or falls short, the TNC's insurance must cover the claim from the first dollar. Fla. Stat. § 627.748(7) |
| Georgia | A transportation network company (Uber/Lyft type) must maintain, or cause to be maintained, primary auto insurance that recognizes the driver as a TNC driver. While the driver is logged on and available for rides, the policy must provide $100,000 for bodily injury or death of all persons in one accident (with up to $50,000 for one person) and $50,000 for property damage. From acceptance of a ride until it ends, the policy must provide at least $1 million for death, personal injury and property damage per occurrence, plus uninsured/underinsured motorist coverage with minimum limits of $300,000 per accident, $100,000 per person and $25,000 for property damage. The coverage may come from a commercial policy bought by the TNC or driver, or from the driver's personal policy endorsement combined with TNC excess coverage; if the driver's coverage lapses, the TNC must provide primary coverage from the first dollar. O.C.G.A. § 33-1-24(b), (c), (f) |
| Hawaii | Transportation network company (Uber/Lyft type) drivers must be covered by primary insurance. While logged on but not engaged in a prearranged ride: liability of at least $50,000 per person and $100,000 per accident for death and bodily injury and $25,000 for property damage, plus minimum personal injury protection. While engaged in a prearranged ride: at least $1,000,000 per accident for death, bodily injury and property damage, plus minimum personal injury protection. Insurers must offer uninsured and underinsured motorist coverage equal to those liability limits, which the driver may reject only in writing; coverage may come from the driver, the TNC or both, and if it lapses or is insufficient the TNC's insurer must cover the claim from the first dollar. Haw. Rev. Stat. § 431:10C-703(c)-(f) |
| Idaho | Idaho's transportation network company law does not set separate coverage amounts for Uber/Lyft-type drivers; it requires TNCs and TNC drivers to comply with all applicable insurance requirements in Idaho's automobile liability insurance statutes in Title 49 and Title 41. Idaho Code § 49-3708 |
| Illinois | When an Uber/Lyft (TNC) driver is logged in but has not accepted a ride, auto liability coverage of at least $50,000 per person and $100,000 per incident for death and injury and $25,000 for property damage is required, with contingent coverage kept by the company if the driver's policy does not cover it. From accepting a ride until the ride is complete, primary liability coverage of $1,000,000 for death, personal injury and property damage is required. 625 ILCS 57/10 |
| Indiana | While an Uber/Lyft (TNC) driver is logged on but not on a prearranged ride, primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and (after June 30, 2024) $50,000 per incident for property damage is required. During a prearranged ride, primary liability insurance of at least $1,000,000 per incident for death, bodily injury and property damage is required. The coverage may come from the driver, the company or both, and the company's insurance must cover from the first dollar if the driver's lapses or falls short. IC 8-2.1-19.1-8 |
| Iowa | Transportation network company (Uber/Lyft type) drivers, or the company on their behalf, must keep primary auto insurance that recognizes TNC driving. While logged on and available but not on a prearranged ride: at least $50,000 for bodily injury or death of one person, $100,000 for two or more persons, and $25,000 for property damage per accident. While engaged in a prearranged ride: at least $1 million for bodily injury, death and property damage per accident. The coverage may come from the driver, the company or both, it is in addition to other required auto coverage, and if the driver's insurance lapses or falls short the company's insurance must cover from the first dollar and defend the claim. Iowa Code § 321N.4(1)-(5) |
| Kansas | Transportation network company (Uber/Lyft type) drivers, vehicle owners or the company must maintain primary auto insurance that recognizes TNC driving. While logged on and available but not on a prearranged ride: at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus Kansas's minimum required coverages. During a prearranged ride: at least $1,000,000 for death, bodily injury and property damage, plus the minimum required coverages. The coverage may come from the driver, the owner, the company or a combination; if the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim. K.S.A. 8-2708(a)-(e) |
| Kentucky | For Uber/Lyft-type (transportation network company) vehicles, insurance while the driver is logged in but has not accepted a ride (pre-trip acceptance) must be at least $50,000 for death and injury to one person, $100,000 per incident, and $25,000 for property damage. From ride acceptance through the ride (prearranged ride), the minimum is the same as for passenger vehicles in KRS 281.655(4): for vehicles with 7 regular seats, $100,000 per person, $300,000 total for injury or death, and $50,000 property damage. The policies may be issued by an eligible surplus lines insurer. KRS 281.655(4), (12) |
| Louisiana | The Uber/Lyft-type (transportation network company) driver, or the company on the driver's behalf, must carry primary auto insurance. While the driver is logged in and waiting for a ride request (pre-trip acceptance period), coverage must be at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage. During a prearranged ride, coverage must be at least $1,000,000 for death, bodily injury and property damage. Both periods must include uninsured/underinsured motorist coverage to the extent required by R.S. 22:1295, and if the driver's insurance lapses or falls short, the company must provide the coverage from the first dollar. La. R.S. 45:201.6 |
| Maine | The Uber/Lyft-type (transportation network company) driver or the company must carry primary auto liability insurance. While the driver is logged into the app but not on a prearranged ride, minimums are $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage. During a prearranged ride, the minimum is $1,000,000 for death, bodily injury and property damage. Both periods must include medical payments coverage and uninsured/underinsured motorist coverage, and if the driver's insurance lapses or falls short, the company must cover the claim from the first dollar. 24-A M.R.S. §7303 |
| Maryland | The Uber/Lyft-type (transportation network) driver, the company, or both must carry primary motor vehicle insurance covering the driver while providing transportation network services, which the law defines as the time logged on and ready to accept a ride, traveling to pick up an accepted passenger, and transporting the passenger until the passenger leaves the vehicle. The required coverage is at least $50,000 per person and $100,000 for two or more persons for bodily injury or death and $25,000 for property damage, plus uninsured motorist coverage and personal injury protection required by the Insurance Article. If the driver's insurance is canceled or lapsed, the company's insurance must cover from the first dollar of a claim. Md. Code, Pub. Util. §§10-405(a)-(c), 10-101(n) |
| Massachusetts | While an Uber/Lyft-type (transportation network) driver is logged in and available but not on a pre-arranged ride, auto liability insurance must provide at least $50,000 per person and $100,000 total for bodily injury and $30,000 for property damage, plus uninsured motorist coverage and personal injury protection to the extent required by law. During a pre-arranged ride, coverage must be at least $1,000,000 per occurrence for death, bodily injury and property damage, plus uninsured motorist coverage and personal injury protection. The insurance may be held by the driver, the company or both, and if the driver's insurance lapses or denies a claim, the company's insurance must cover from the first dollar. G.L. c. 175, §228(c)-(e) |
| Minnesota | While an Uber/Lyft-type (transportation network company) driver is logged in but has not accepted a ride (P1), coverage must be at least $50,000 per person and $100,000 per accident for death or bodily injury and $30,000 for property damage, plus no-fault (basic economic loss) benefits and uninsured/underinsured motorist coverage where required. From accepting a ride through drop-off (P2 and P3), liability coverage must be at least $1,500,000 for death, injury or property damage, plus no-fault and uninsured/underinsured coverage where required. During P2 and P3 the company must also carry at least $1,000,000 per incident of injury coverage for the driver at no cost to the driver. Minn. Stat. §65B.472, subd. 2; §181C.01, subd. 4 |
| Missouri | While an Uber/Lyft-type (transportation network company) driver is logged on and available but not on a prearranged ride, primary insurance must be at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured motorist coverage. During a prearranged ride, liability coverage must be at least $1,000,000 for death, bodily injury and property damage, plus uninsured motorist coverage. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim. Mo. Rev. Stat. §379.1702 |
| Montana | While a rideshare (transportation network carrier) driver is logged on and available but has not accepted a ride, primary liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage is required, plus uninsured motorist coverage when required by § 33-23-201. While the driver is engaged in a prearranged ride, primary coverage of at least $1,000,000 for death, bodily injury and property damage is required, plus uninsured motorist coverage when required. Coverage may come from the driver, the company or both, and the company's policy must cover from the first dollar if the driver's lapses. Mont. Code Ann. § 69-12-343 |
| Nebraska | While the app is open and the driver is available but has not accepted a ride, primary coverage of at least $25,000 per person and $50,000 per incident for death and injury and $25,000 for property damage is required, plus uninsured motorist coverage. From ride acceptance (the engaged stage) through the passengers-on-board stage, primary liability coverage of at least $1,000,000 for death, personal injury and property damage is required, plus uninsured and underinsured motorist coverage for the driver and passengers. Coverage may be maintained by the driver, the company or both, and the insurer must defend and indemnify. Neb. Rev. Stat. §§ 75-333, 75-334 |
| Nevada | While a rideshare (transportation network company) driver is logged in and available to receive requests but not providing a ride, coverage of at least $50,000 for bodily injury or death of one person, $100,000 for two or more persons, and $25,000 for property damage per accident is required. While the driver is providing transportation services, coverage of at least $1,000,000 for bodily injury, death and property damage is required. Uninsured/underinsured motorist coverage is optional under this section (a policy may include it). NRS 690B.470 |
| New Hampshire | While a rideshare (TNC) driver is logged on to the app but not engaged in a prearranged ride, primary liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage (including the duty to defend) is required, plus coverage consistent with New Hampshire financial responsibility laws. While the driver is engaged in a prearranged ride, primary liability coverage of at least $300,000 for death, bodily injury and property damage is required, plus coverage consistent with the financial responsibility laws. Coverage may come from the driver, the company or both, and the company's insurance must pay from the first dollar if the driver's coverage lapses. RSA 359-U:8 |
| New Jersey | While a rideshare (TNC) driver is logged on and available but not providing a ride, primary auto liability coverage of at least $50,000 per person and $100,000 per incident for death or bodily injury and $25,000 for property damage is required, plus personal injury protection (PIP) and uninsured/underinsured motorist coverage as required by law. While providing a prearranged ride, required coverage is at least $1,500,000 primary liability for death, bodily injury and property damage, at least $10,000 in medical payments coverage for the driver, and at least $1,500,000 in uninsured/underinsured motorist coverage. Coverage may come from the driver, the company or both, and the company's insurance must pay from the first dollar if the driver's coverage lapses. N.J.S.A. 39:5H-10 |
| New Mexico | While a rideshare (TNC) driver is logged on to the app but not engaged in a prearranged ride, primary auto liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage is required, plus uninsured/underinsured motorist coverage to the extent required by § 66-5-301. While engaged in a prearranged ride, at least $1,000,000 in primary liability coverage for death, bodily injury and property damage is required, plus uninsured/underinsured motorist coverage to the extent required. Coverage may come from the driver or the company, and the company's insurance must provide primary coverage if the driver's lapses. NMSA 1978, § 65-7-8 |
| New York | While a rideshare (TNC) driver is logged on but not engaged in a prearranged trip, coverage of at least $75,000 per person and $150,000 per accident for bodily injury or death and $25,000 for property damage is required. While engaged in a prearranged trip, liability coverage of at least $1,250,000 per occurrence for bodily injury, death and property damage is required, plus $1,250,000 of supplementary uninsured/underinsured motorist coverage. The TNC's group policy must cover from the first dollar if the driver's insurance lapses. This state TNC law does not apply to for-hire vehicles in cities of one million or more people (New York City). N.Y. Veh. & Traf. Law § 1693; N.Y. Ins. Law § 3455 |
| North Carolina | While a rideshare (TNC) driver is logged on to the app but not providing service, primary auto liability coverage of at least $50,000 per person and $100,000 per accident for death or bodily injury and $25,000 for property damage is required, plus combined uninsured/underinsured motorist coverage meeting G.S. 20-279.21(b)(3) and (b)(4). While engaged in a prearranged ride, primary liability coverage of at least $1,000,000 for death, bodily injury and property damage is required, plus combined UM/UIM coverage meeting the same statute. Coverage may come from the driver's policy, the company's policy or both. N.C. Gen. Stat. § 20-280.4 |
| North Dakota | While the driver is logged on to the app and available but has no ride, and also after accepting a ride until the passenger is on board, coverage must include primary liability of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus primary uninsured and underinsured motorist coverage and personal injury protection (no-fault). While a passenger is on board, primary liability coverage of $1 million for death, bodily injury and property damage is required, along with primary uninsured/underinsured motorist coverage and personal injury protection for drivers, passengers and pedestrians. The coverage may be provided by the driver, the company, or both, and the company must cover from the first dollar if the driver's policy does not. N.D. Cent. Code §§ 26.1-40.1-01, 26.1-40.1-03, 26.1-40.1-04 |
| Ohio | Each Uber/Lyft-type driver must be covered by a primary auto policy that recognizes the driver's TNC use. While logged on and available but not providing rides: at least $50,000 for bodily injury or death of one person, $100,000 for two or more persons, and $25,000 for property damage per accident. While providing rides (from accepting a ride until the last rider leaves the car): at least $1 million for bodily injury, death or property damage per accident. The coverage may come from the driver, the company or both; the company's insurer must pay from the first dollar if the driver's coverage falls short. The statute read does not require uninsured/underinsured motorist coverage in these periods. Ohio Rev. Code §§ 3942.01(I), 3942.02 |
| Oklahoma | Uber/Lyft-type (TNC) drivers must carry primary auto insurance that recognizes TNC use, maintained by the driver, the company or both. While logged on and available but not on a ride: at least $50,000 per person and $100,000 per incident for death and bodily injury, and $25,000 for property damage, plus uninsured motorist coverage unless waived. While engaged in a prearranged ride: at least $1,000,000 for death, bodily injury and property damage, plus uninsured motorist coverage unless waived. If the driver's insurance lapses or falls short, the company's insurance must pay from the first dollar. 47 Okla. Stat. § 1025 |
| Oregon | State insurance law requires an Uber/Lyft-type transportation network company (TNC) to provide each driver a motor vehicle liability policy with personal injury protection (PIP) benefits covering the driver, passengers and pedestrians struck by the vehicle at all times the driver is providing rides in affiliation with the company. A driver's personal auto insurer may exclude all coverage while the driver is providing TNC rides. ORS 742.520(1)(b)-(e) |
| Pennsylvania | A transportation network company (TNC) driver, or the company on the driver's behalf, must carry primary auto insurance that recognizes TNC use. While logged on and available but not on a ride: liability of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus first-party medical benefits including $25,000 for pedestrians and $5,000 for the driver. While engaged in a prearranged ride: liability of at least $500,000 for death, bodily injury and property damage, plus first-party medical benefits including $25,000 for passengers and pedestrians and $5,000 for the driver. If the driver's coverage lapses or falls short, the company's insurer must pay from the first dollar. The statute does not list uninsured/underinsured motorist coverage among these requirements. 66 Pa.C.S. § 2603.1 |
| Rhode Island | TNC drivers, or the company on their behalf, must carry primary auto insurance recognizing TNC use. While logged on and available but not providing rides: at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured/underinsured motorist coverage to the extent required by state law. While providing prearranged rides: at least $1,500,000 for death, bodily injury and property damage, plus uninsured/underinsured motorist coverage to the extent required by state law. If the driver's insurance lapses or falls short, the company's insurance must pay from the first dollar. R.I. Gen. Laws § 39-14.2-14 |
| South Carolina | A TNC driver, or the TNC on the driver's behalf, must keep primary auto insurance. While logged on and available but not on a prearranged ride: at least $50,000 per person and $100,000 per incident for death and bodily injury and $50,000 for property damage, plus uninsured motorist coverage as required by state law. While engaged in a prearranged ride: at least $1,000,000 for death, bodily injury and property damage, plus uninsured motorist coverage as required by state law. Coverage may come from the driver, the company or both, and if the driver's insurance lapses or falls short, the company's insurance must pay from the first dollar and defend the claim. S.C. Code § 58-23-1630 |
| South Dakota | While a TNC driver is logged on and available but not on a prearranged ride: primary liability coverage of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured and underinsured motorist coverage as state law requires. While engaged in a prearranged ride: primary liability coverage of at least $1 million for death, bodily injury and property damage, plus uninsured and underinsured motorist coverage as required. Coverage may come from the driver, the company or both, and if the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim. SDCL 32-40-8, 32-40-9, 32-40-10 |
| Tennessee | While a rideshare (transportation network company) driver is logged on to the app but not engaged in a ride, insurance must provide at least $50,000 per person and $100,000 per incident for death and bodily injury, and $25,000 for property damage. While the driver is engaged in a prearranged ride, coverage must be at least $1,000,000 for death, bodily injury and property damage. If the driver's own insurance has lapsed or does not provide the required coverage, the company's insurance must provide it. Tenn. Code Ann. § 55-12-141(c)(1), (d)(1) |
| Texas | Texas requires rideshare (transportation network company) drivers or the company to carry primary auto insurance. While the driver is logged on and available but not on a ride: at least $50,000 for bodily injury or death per person, $100,000 per incident, and $25,000 for property damage. During a prearranged ride: a total aggregate limit of $1 million per incident for death, bodily injury and property damage. In both periods the policy must include uninsured/underinsured motorist and personal injury protection coverage where Insurance Code §§ 1952.101 and 1952.152 require them. If the driver's policy lapses or falls short, the company must provide the coverage from the first dollar. Tex. Occ. Code § 2402.101; Tex. Ins. Code §§ 1954.051-1954.054 |
| Utah | Utah requires the rideshare (transportation network) company or driver to keep primary insurance. During the waiting period (app on, no ride): liability of at least $50,000 per individual, $100,000 for all individuals, and $30,000 for property damage per occurrence. During a prearranged ride: at least $1,000,000 liability per occurrence. Both periods require personal injury protection as required by state law and uninsured and underinsured motorist coverage where state law requires it. Utah Code § 13-51-108(1), (2) |
| Vermont | While a Vermont rideshare (transportation network company) driver is logged on and available but not on a ride: primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus other state-mandated coverage. During a prearranged ride: at least $1,000,000 primary liability, at least $1,000,000 uninsured/underinsured motorist coverage, and $5,000 medical payments coverage. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar. 23 V.S.A. § 750(b)(2)-(4) |
| Virginia | Virginia requires TNC insurance at all times a rideshare vehicle is in TNC operation. From accepting a ride request until the ride ends: primary liability coverage of at least $1 million for death, bodily injury and property damage, plus uninsured and underinsured motorist coverage as required by § 38.2-2206. While logged on and waiting for a request (and between rides): primary liability of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured/underinsured motorist coverage as required by § 38.2-2206. Va. Code § 46.2-2099.52(A)-(C) |
| Washington | Washington requires a primary commercial auto policy covering a rideshare vehicle whenever the driver is logged in and whenever a passenger is aboard. Before a ride is accepted: liability of at least $50,000 per person and $100,000 per accident for bodily injury and $30,000 for property damage, plus underinsured motorist and personal injury protection coverage as required by state law. During a prearranged ride: a $1 million combined single limit for death, injury and property damage, plus personal injury protection; and from the time a passenger enters until the passenger exits, underinsured motorist coverage of $100,000 per person and $300,000 per accident. If the driver's policy lapses or does not cover, the company must provide the coverage from the first dollar. Rev. Code Wash. § 46.72B.180(1), (2)(b) |
| West Virginia | While a West Virginia rideshare (transportation network company) driver is logged on and available but not on a ride: primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured and underinsured motorist coverage as state law requires. During a prearranged ride: at least $1,000,000 for death, bodily injury and property damage, plus uninsured/underinsured motorist coverage as required. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim. W. Va. Code § 17-29-8 |
| Wisconsin | While a Wisconsin rideshare (transportation network company) driver is logged on and available but not providing a ride: primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus primary uninsured motorist coverage. While engaged in transportation network services: primary liability of at least $1,000,000 for death, bodily injury and property damage, plus primary uninsured motorist coverage. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim. Wis. Stat. § 440.48(1)(b)-(d) |
| Wyoming | While a Wyoming rideshare (transportation network company) driver is available for ride requests but not on a ride: primary liability insurance of at least $50,000 per person and $100,000 per incident for death and bodily injury and $25,000 for property damage, plus uninsured motorist coverage as required by state law. During a prearranged ride: primary liability of at least $1,000,000 for death, bodily injury and property damage, plus uninsured motorist coverage. If the driver's insurance lapses or falls short, the company's insurance must cover from the first dollar and defend the claim. Wyo. Stat. § 31-20-107(b), (c), (f) |
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.