Rideshare Insurance in Massachusetts (2025)

As of August 2024, Uber and Lyft drivers in Massachusetts will make a minimum of $32.50 per hour following a multi-year litigation case between the rideshare companies and the state.1 If you’re thinking of picking up some work with a rideshare company to cash in on the new regulation, be aware that you need rideshare insurance in Massachusetts.

The state has minimum limits you must obtain. Learn where to get rideshare coverage, the average costs, and the minimums required to get started.

Cost of rideshare insurance in Massachusetts

The average cost of rideshare insurance in Massachusetts is $111 per month for liability coverage and $221 for full coverage. Your monthly payment amount will vary based on the specific coverage and your driving history, among other factors.

As a benchmark, here are some insurance companies that offer rideshare coverage in Massachusetts and the average monthly quote for liability insurance.

Best rideshare insurance companies in Massachusetts

Here, you can find additional information about some of the top insurance companies in the Massachusetts market.

Midvale Home & Auto: Best for low rates

Safeco: Best for endorsements

Liberty Mutual: Best for discounts

Rideshare insurance requirements in Massachusetts

Massachusetts requires drivers of transportation network companies (TNCs) — more commonly referred to as rideshare companies — to obtain rideshare insurance. So Uber drivers and Lyft drivers must get rideshare insurance that meets minimum coverage requirements. The levels of coverage depend on the phase you’re in when an incident occurs.

Phase 1

This is when you’re driving in a personal capacity and the rideshare app is off. In this case, since you’re not technically working for the rideshare service, your regular personal auto policy covers you.

Phase 2

This is when you’re driving with the Uber or Lyft app on and activated but no ride has been requested yet. Rideshare companies provide some level of insurance in Phase 2.

Massachusetts requires drivers in Phase 2 to have a minimum of $50,000 per person for bodily injury, $100,000 total for bodily injury, and $30,000 in property damage coverage, uninsured motorist coverage, and personal injury protection (PIP). The coverage amounts can come from your personal policy, the rideshare company’s, or both.2

In Phase 2, when you’re on the app and available for a trip, Uber offers third-party liability insurance, which includes $50,000 per person and $100,000 per accident in bodily injury as well as $25,000 in property damage coverage per accident. Lyft offers the same coverage amounts for Phase 2, with exceptions in some states.

Phase 3

Phase 3 occurs when you’re driving with the rideshare app on and heading to pick up passengers or taking them to their destination.

Massachusetts requires drivers in Phase 3 to have a minimum liability coverage of $1 million per occurrence, per vehicle for bodily injury, property damage, death, uninsured motorist coverage, and personal injury protection. The coverage amounts can come from your personal policy, the rideshare company’s, or both.

In Phase 3, when you’re en route or on a trip, Uber’s coverage includes $1 million in bodily injury and property damage coverage. Lyft matches those levels of coverage for Phase 3.

As an independent contractor providing driving services for work, make sure you have the required coverage. When you’re driving for personal use, your personal auto insurance policy provides coverage. Rideshare coverage ensures you fill the gaps so you’re covered during different times.

Requirements to drive for Uber and Lyft in Massachusetts

Rideshare drivers and their cars must meet the minimum eligibility requirements for Uber and Lyft.

Rideshare car requirements

The requirements are as follows: 3 4

Rideshare driver requirements

Here, you can see the driver requirements to drive with each of these rideshare companies.

Types of rideshare insurance coverage

When you’re driving for a rideshare company, having rideshare coverage can offer you additional protection. While you use your personal car for commercial purposes, you want to cover your bases. To do that, you can look into different rideshare insurance policies.