Rideshare Insurance in Georgia (2025)

Rideshare insurance is a smart purchase if you drive for a transportation network company (TNC) like Uber or Lyft. Rideshare coverage fills the gaps between your personal car insurance policy and the rideshare company’s policy during certain phases of a trip because your standard coverage won’t apply during ridesharing.1

You don’t need rideshare insurance to drive for Uber or Lyft in Georgia. But without it, you’ll have limited coverage while waiting to accept a ride request.

Here’s what you need to know about finding the best car insurance as a rideshare driver in Georgia.

Cost of rideshare insurance in Georgia

The average cost of a personal auto policy with a rideshare endorsement in Georgia is $185 per month for liability-only insurance and $298 per month for full coverage. Rideshare insurance premiums vary by insurer.

Below, you can see average monthly rates for full-coverage insurance from some of the cheapest insurance companies in Georgia.

Best rideshare insurance companies in Georgia

State Farm, USAA, and Progressive are a few of the best car insurance companies for Uber and Lyft drivers in the Peach State. When shopping for rideshare insurance in Georgia, it’s a good idea to compare several companies to find one that meets your needs.

Start your search for coverage with the top insurers below.

State Farm: Best for low rates

USAA: Best for customer satisfaction

Progressive: Best for coverage options

Rideshare insurance requirements in Georgia

When you’re driving for a rideshare company, the insurance coverage that protects you depends on the specific phase of the trip. These are the phases of a rideshare trip:

• Phase 1: During this phase, you’re driving for personal use with the app turned off. Your personal car insurance policy covers you.

• Phase 2: In this phase, you’re driving with the rideshare app turned on and waiting to receive a ride request. During this period, the TNC’s liability insurance policy covers you. Uber and Lyft both provide third-party liability coverage with limits of 50/100/25. Your car insurance policy provides limited coverage during this time. But if you have rideshare insurance, your personal car insurance coverages will apply.

• Phase 3: In this phase, you have the rideshare app turned on and you’re either driving to pick up a passenger or en route to their destination. During this time, the rideshare company’s insurance policy covers you. Uber and Lyft both provide at least $1 million in third-party liability coverage during this phase. If you carry full coverage on your personal auto policy, Uber and Lyft also provide contingent collision and comprehensive insurance with a $2,500 deductible.5

While Georgia doesn’t legally require rideshare insurance coverage, your car insurance company can still require you to add a rideshare endorsement if you drive for Uber or Lyft. If you don’t tell your insurance company that you’re using your vehicle for ridesharing, your insurer might not cover the claim if you have an accident.

Requirements to drive for Uber and Lyft in Georgia

Uber and Lyft have slightly different requirements in every state. Before you sign up to drive for a TNC, make sure you understand the rules for drivers and their vehicles.

Rideshare car requirements

If you want to become an Uber or Lyft driver in Georgia, your vehicle must meet certain specifications.

Rideshare driver requirements

Drivers have to meet certain requirements to sign up.

Types of rideshare insurance coverage

Georgia rideshare drivers can benefit from having multiple types of insurance coverage. The most important policies include: