Rideshare Insurance in North Carolina (2025)

If you drive your personal vehicle for a service like Uber or Lyft, you should purchase rideshare insurance because personal auto policies won’t cover you while you use your car for a rideshare service. Though North Carolina doesn’t require rideshare insurance, you must notify your insurance company if you intend to drive for a rideshare company.1

Here’s what you need to know about rideshare insurance in North Carolina, including cost and supplementing your personal auto insurance policy.

How much does North Carolina rideshare insurance cost?

The average cost of rideshare insurance in North Carolina ranges between $41 and $330 per month.

The cost depends on factors like the type of coverage you purchase, your driving record, and the insurance company you choose. The cheapest rideshare insurance company in North Carolina is Midvale Home & Auto, and the most expensive insurer is Dairyland.

In the table below, you can see the average monthly cost of rideshare insurance in North Carolina from some of the cheapest insurance companies.

Rideshare insurance requirements in North Carolina

When you work as a rideshare driver for a transportation network company (TNC) like Lyft or Uber, each trip is divided into three phases. It’s important to understand each phase of the trip and what insurance policy applies.

The type of insurance covering you depends on which phase you’re in when an incident occurs.

Phase 1

In this phase, you’re driving with the rideshare app turned off. For example, this phase applies if you’re driving to the grocery store. During this time, your personal car insurance policy applies.

Phase 2

You enter phase 2 when you turn your rideshare app on. The phase ends when you accept a request to transport a passenger. Your personal auto policy doesn’t cover you during this phase, but a rideshare endorsement will. Uber and Lyft both offer third-party liability insurance with policy limits of 50/100/25 that can also cover you.2

Phase 3

Phase 3 starts after you accept a prearranged ride and ends when you complete the ride at the passenger’s final destination. The rideshare company’s insurance policy covers you in phase 3. Uber and Lyft both cover drivers with $1 million in liability coverage, uninsured/underinsured motorist coverage, and medical payments coverage.

If you have a full-coverage personal car insurance policy, both companies offer contingent comprehensive and collision coverage up to the actual cash value (ACV) of your vehicle, minus a $2,500 deductible.3

Rideshare car requirements

Rideshare driver requirements

Types of rideshare insurance coverage

Rideshare insurance policies vary by driver and insurer, but the most robust policy will include multiple types of coverage.

Here are the most common coverages you get with a rideshare insurance policy or endorsement: