Rideshare Insurance in Nevada (2025)
Rideshare companies offer state-compliant coverage for all drivers, but it may not be enough. Learn how to protect yourself with the right coverage options.
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You’ll need additional liability coverage if you drive for a rideshare company in Nevada. The good news is that rideshare companies usually offer this protection for free to their drivers, but it typically has lots of gaps in coverage. You can ensure you stay protected by purchasing rideshare coverage, which is available as an endorsement on your personal auto policy from most insurers.
Here’s what you need to know about securing rideshare insurance in Nevada.
Cost of rideshare insurance in Nevada
Full-coverage rideshare insurance policies typically cost $431 per month in Nevada. Without the rideshare endorsement, the same coverage costs an average of $309 per month. Each insurer has its own formula to set the cost of rideshare insurance, so it’s important to compare quotes from multiple companies.
The table below shows the average full-coverage quote for rideshare drivers from top insurers in Nevada.
Best rideshare insurance companies in Nevada
Some car insurance companies offer better policies, prices, and customer service than others. It’s important to compare multiple companies to find the best fit for you.
Here are a few great insurance options to help get you started.
COUNTRY Financial: Best for affordable coverage
State Farm: Best for customer service
GEICO: Best mobile app
Rideshare insurance requirements in Nevada
Ferrying riders around in your vehicle is inherently risky because you could be responsible for their injuries in a car accident. That’s why Nevada law requires you to carry higher coverage limits beyond the normal 25/50/20 minimum policy.
It’s also important to know that the moment you switch on a rideshare app, your personal auto insurance policy no longer covers you. Your coverage then depends on where you are in the rideshare cycle and what type of coverage you have.1
Phase 1: You’ve switched the app on but haven’t yet accepted a ride request. You’re usually covered by a state-mandated 50/100/25 policy from the rideshare service but only if your personal insurer denies your claims. If you’ve bought rideshare coverage, your personal insurance will usually extend throughout all phases.
Phase 2: You’re en route to pick up a rider. Nevada law requires you to have $1.5 million in liability coverage during this phase. Again, rideshare services will usually cover you but only as a backup option to your own personal insurance — unless you’ve bought rideshare coverage.
Phase 3: You have passengers in your car. You’ll still need to carry $1.5 million in coverage, either through the ridesharing company or your separate rideshare endorsement on your personal insurance policy.
Requirements to drive for Uber and Lyft in Nevada
Transportation network companies (TNCs) like Uber and Lyft set certain rules and conditions you’ll need to meet in order to drive for the company. It’s a good idea to think about how some of these requirements could affect your car insurance needs, too.
Types of rideshare insurance coverage
The type of coverage available for rideshare drivers is essentially the same as for standard auto insurance policies; the only difference is the amount of coverage you need during each phase of a ride. It’s wise to consider other coverages to make sure you’re fully protected in case of an Uber or Lyft car accident.