Rideshare Insurance in Georgia (2025)
Georgia doesn’t require rideshare insurance policies, but Uber and Lyft drivers should still consider adding this coverage to their personal auto policy.
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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.[?]
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.
Quick Facts
Rideshare insurance provides supplemental coverage for accidents that occur while driving for Uber or Lyft.
The average cost of rideshare insurance in Georgia is $298 per month for full coverage and $185 per month for minimum coverage.
Uber and Lyft typically provide some level of coverage for their rideshare drivers.
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.
Insurance Company  | Average Monthly Quote |
|---|---|
| Auto-Owners | $120 |
| State Farm | $129 |
| COUNTRY Financial | $130 |
| Allstate | $140 |
| USAA | $150 |
| Mile Auto | $156 |
| Safeco | $195 |
| Progressive | $197 |
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.
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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.[?]
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.
Lyft has the following vehicle requirements:
4-door vehicle
2012 model year or newer
5–8 seats, including the driver’s seat
No salvage, non-repairable, or rebuilt titles
Maintain a valid inspection sticker and state minimum coverage
Uber has the following vehicle requirements:
16-year-old vehicle or newer
In good condition free of cosmetic damage
No commercial branding on the vehicle
Maintain a valid inspection sticker and state minimum coverage
Rideshare driver requirements
Drivers have to meet certain requirements to sign up.
Lyft has the following driver requirements:
Valid driver’s license (can be out-of-state or temporary)
At least 25 years old
Pass a driver screening test
Uber has the following driver requirements:
Valid Georgia driver’s license to sign up (no out-of-state licenses)
At least one year of licensed driving experience in the U.S.
People younger than 25 need at least three years of driving experience
Pass a background check
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Types of rideshare insurance coverage
Georgia rideshare drivers can benefit from having multiple types of insurance coverage. The most important policies include:
Rideshare insurance FAQs
If you drive for Uber or Lyft, it’s important to have the right types of insurance coverage. Here’s more information that can be helpful as you shop for rideshare insurance in Georgia.
Does Georgia require rideshare insurance?
Georgia doesn’t require Uber and Lyft drivers to carry rideshare insurance. But your car insurance company can require you to add a rideshare endorsement to your personal auto policy.
Do Uber drivers in Georgia have to carry commercial auto insurance?
Uber drivers who use their personal vehicles don’t need commercial auto insurance in Georgia. Commercial car insurance is for people who drive a business-owned or leased vehicle for hire, like a taxi or limousine.
Do you really need rideshare insurance if you have personal auto insurance?
Yes. Rideshare insurance is valuable even if you have a personal car insurance policy. Your personal auto policy provides limited coverage during certain phases of a rideshare trip. Rideshare insurance fills the coverage gap between what your personal car insurance policy covers and what the rideshare company’s policy covers.
What happens if you get into an accident while ridesharing without insurance?
If you have an accident and don’t have ridesharing insurance, your TNC’s insurance policy or your personal auto insurance policy may cover you, depending on when the incident occurred. But without rideshare insurance, you likely won’t have any coverage for your vehicle’s damages or your medical expenses.
How does a rideshare insurance claim work?
If you have a car accident while driving for a rideshare service, you can file a claim under the rideshare company’s insurance. Your TNC company will let you know if their coverage applies to the accident, based on when the incident occurred. You should also file a claim under your personal car insurance policy. If you have rideshare insurance, your policy might supplement the rideshare company’s coverage.
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