Rideshare Insurance in Florida (2025)

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.

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.

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

Rideshare driver requirements

Types of rideshare insurance coverage

Here’s a brief overview of the different types of insurance that can cover you as a rideshare driver: