Rideshare Insurance in Florida (2025)
Florida rideshare drivers and companies need to meet minimum insurance requirements that depend on the three phases of rideshare driving.
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If you drive for a rideshare company like Uber or Lyft in Florida, your personal auto policy can only protect you when the app is off. You’ll need additional rideshare insurance to cover you while you’re on your way to pick up a passenger and when you’re driving a passenger.
Here’s what you need to know about auto insurance in Florida as a rideshare driver.
Quick Facts
Uber and Lyft have different driver and vehicle requirements in Florida.
The average cost of rideshare insurance in Florida is $185 per month for liability coverage and $291 for full-coverage insurance.
Rideshare driving has three phases, and the type of insurance that applies depends on which phase you’re in as a rideshare driver.
Cost of rideshare insurance in Florida
Rideshare insurance in Florida ranges from $84 to $370 per month for liability coverage and $97 to $536 per month for full coverage, based on Insurify data.
How much you pay for coverage depends on a number of factors, including your ZIP code, your driving history, and the insurance company you choose. State Farm and GEICO offer the lowest monthly premiums for rideshare liability insurance in Florida, with monthly rates of $84 and $87, respectively.
Here’s a look at average rideshare liability insurance premiums from the most affordable insurance companies in the Sunshine State.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best rideshare insurance companies in Florida
As you shop around, you’ll notice that many car insurance companies provide rideshare insurance. Here’s more information about three of the best options: State Farm, Allstate, and Mercury.
State Farm: Best for cheap rates
Allstate: Best for low deductibles
Mercury: Best for multiple rideshare vehicles
Rideshare insurance requirements in Florida
Florida requires rideshare drivers to have coverage beyond the minimum requirements for non-commercial drivers in the state while working.1
Here are more details on each phase in the rideshare process and how it affects car insurance:
Phase 1: This refers to when you drive your vehicle for personal use. When you turn off the rideshare app, your personal auto insurance covers your vehicle. It’s a good idea to review your policy to make sure it meets your coverage needs. Many drivers decide to purchase more coverage than the state’s minimum requirements of $10,000 in personal injury protection and $10,000 in property damage liability coverage.2
Phase 2: During phase 2, you’ve turned your app on but haven’t received a ride request yet. If your personal car insurance doesn’t provide enough coverage during this phase, your rideshare insurance company can cover you. During this phase, Florida requires $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.
Phase 3: In phase 3, you’re driving to pick up a passenger or transporting a passenger to their destination. Per Florida laws, the rideshare company must provide liability insurance. Uber and Lyft offer rideshare drivers in Florida coverage of at least $1 million for bodily injury and property damage.
Requirements to drive for Uber and Lyft in Florida
Before you drive for a rideshare platform in Florida, like Uber and Lyft, you should understand the requirements for vehicles and drivers.
Rideshare car requirements
Uber
Uber’s car requirements in Florida vary by city or region, but here are general guidelines for vehicles:3
Model year of 2008 or newer
Must have four doors
Must be in good condition with no cosmetic damage
No commercial branding
Lyft
Lyft’s car requirements are similar in most parts of the Sunshine State. These vehicle guidelines include the following:4
Model year of 2012 or newer
Must have four doors
Must have five to eight seats, including the driver’s
Not a taxi, stretch limousine, or non-Express Drive rental
Not titled as salvage, non-repairable, rebuilt, or any other equivalent classification
Rideshare driver requirements
Uber
Uber’s driver criteria in Florida and other parts of the country are as follows:5
Must have a valid driver’s license
Age 25 or older
Must show proof of car insurance
Must have an in-state license and at least one year of driving experience in the U.S.
Must complete a driver screening test, which considers driving history and criminal background
Lyft
Lyft’s driver qualifications are standard across all states, including Florida:
Must have a valid driver’s license
Must have had a Social Security number for six months or longer
Age 25 or older
Must pass a driver screening test, which includes a driving history review and criminal background check
Must have a smartphone that can download and run the Lyft Driver app
Types of rideshare insurance coverage
Here’s a brief overview of the different types of insurance that can cover you as a rideshare driver:
Rideshare insurance FAQs
The following information can help answer your remaining questions about rideshare insurance coverage in the state of Florida.
What are the insurance requirements for rideshare in Florida?
Let your insurance company know that you use your vehicle to work for a transportation network company (TNC). Uber and Lyft provide some coverage while you have your app turned on, but a rideshare add-on or endorsement on your personal auto insurance policy can offer more comprehensive coverage.
Does Uber have uninsured motorist coverage in Florida?
Yes. Uber offers uninsured/underinsured coverage equal to at least $1 million in coverage for Florida rideshare drivers.
Do you really need rideshare insurance if you have personal auto insurance?
Standard personal auto insurance policies generally won’t cover ridesharing, so you’ll likely need additional coverage through a rideshare coverage endorsement or through your TNC. Rideshare drivers in Florida need higher liability limits than non-rideshare drivers. Rideshare insurance is worth the investment if you want adequate protection when you drive for personal or rideshare reasons.
What happens if you get into an accident while ridesharing without insurance?
If you have a car accident while ridesharing and don’t have insurance, you may have to personally cover any resulting injuries or damages. Plus, you’ll likely have to pay legal penalties.
Does GEICO offer rideshare insurance in Florida?
Yes. GEICO does have coverage for Florida rideshare drivers. The average cost of a rideshare policy is $87 per month for liability coverage and $99 for full coverage.
How does a rideshare insurance claim work?
To file a rideshare claim, you’ll need to reach out to your personal insurer and rideshare company. Your insurance company will then process the claim based on the specifics of the rideshare policy.
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