Rideshare insurance, shopped across 20+ carriers
Rideshare insurance is a coverage endorsement or standalone policy that fills the gap between a driver's personal auto policy and the transportation network company's (TNC) commercial coverage during the period when the driver is logged into the app but has not yet accepted a ride.
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- Licensed in 5 states
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Affordable rideshare insurance in NV, AZ, UT, TX & OH
Drivers in NV, TX, OH, UT, or AZ who earn income driving for TNCs such as Uber or Lyft. Personal auto policies typically exclude commercial use, leaving drivers unprotected during Period 1 (app on, no passenger matched) unless a rideshare endorsement is in place.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Rideshare insurance at a glance
- Period 1 is the uncovered gap that rideshare insurance fills. When the Uber or Lyft app is on but no passenger has been matched, TNC liability limits drop to as little as $50,000; your personal auto policy excludes commercial use, leaving you with little or no coverage during this window.
- Nevada requires TNC drivers to maintain personal auto insurance. NRS Chapter 706A requires all rideshare drivers to maintain personal auto insurance meeting state minimums; the TNC's policy does not replace personal insurance and cannot be used to satisfy personal policy requirements.
- A rideshare endorsement typically adds $10-$25 per month to your premium. Most major personal auto insurers now offer rideshare endorsements that fill the Period 1 gap; this is among the most cost-efficient coverage upgrades available to gig drivers.
- Las Vegas is a major TNC market with high rideshare driver density. The Las Vegas Strip and airport corridors generate one of the highest per-capita TNC ride volumes in the U.S.; the density of rideshare drivers in the Las Vegas market makes TNC-period coverage gaps a common and consequential risk.
Source: Insurance Information Institute (III), 2025; Nevada NRS Chapter 706A; Rideshare Guy, 2025
Coverage explained
What rideshare insurance covers
The details
The parts of a rideshare policy
| Coverage | What it covers | Typically |
|---|---|---|
| Period 1 liability | Liability protection when the app is on but you have not yet accepted a ride | Add-on |
| Bodily injury liability | Injuries to others caused while driving for a TNC platform | Required |
| Property damage liability | Damage to other property during rideshare operation | Required |
| Collision | Damage to your vehicle during a covered collision in any TNC phase | If financed |
| Comprehensive | Non-collision damage to your vehicle during any phase of TNC operation | If financed |
| Uninsured/underinsured motorist | Your injuries from an uninsured or underinsured at-fault driver during TNC operation | Varies by state |
| Medical payments (MedPay) | Medical bills for you after an accident in any period of TNC use | Optional |
| Deductible gap coverage | Covers the difference between the TNC deductible and your personal deductible when the TNC policy applies | Optional |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does rideshare insurance work?
Rideshare insurance fills the coverage gap that exists between your personal auto policy and the limited protection provided by a Transportation Network Company (TNC) such as Uber or Lyft. TNCs typically provide minimal liability coverage during Period 1 (app on, waiting for a match) and fuller coverage only during Periods 2 and 3 (en route to or carrying a passenger). A rideshare endorsement extends your personal policy's protections through all phases so you are never riding uninsured.
Pricing
What does rideshare insurance cost?
Typical cost ranges for rideshare coverage options in Nevada. Your actual cost depends on your base auto premium, vehicle, driving record, and which carrier you choose.
| Coverage option | Typical cost |
|---|---|
| Rideshare endorsement on personal auto policy | ~$120-$300 per year added |
| Standalone rideshare policy (all periods) | ~$1,200-$2,400 per year total |
Figures reflect typical ranges for rideshare endorsements in Nevada; actual cost depends on the driver's base auto premium, vehicle, age, and driving record.
Source: Insurance Information Institute (III), 2025; MoneyGeek, 2025; state DOI rideshare guidance
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on rideshare insurance
- Add a rideshare endorsement to your existing personal auto policy. An endorsement is almost always less expensive than a standalone rideshare or commercial auto policy; check with your current insurer first before shopping a new policy.
- Maintain a clean driving record on and off the app. TNC platforms and personal auto insurers both review your driving history; traffic violations and at-fault accidents increase your personal auto premium and can result in deactivation from the TNC platform.
- Bundle personal auto and renters or homeowners insurance. Multi-policy discounts on your personal auto policy reduce the base rate to which the rideshare endorsement is applied.
- Only drive during periods with adequate TNC platform coverage. Understanding which coverage applies during each TNC period (1, 2, 3) helps you avoid claiming through your personal policy for incidents that TNC insurance should cover, keeping your personal policy clean.
- Compare rideshare endorsements between carriers annually. Not all personal auto insurers offer the same period coverage in the endorsement; Liberty Choice compares options to ensure your endorsement covers Period 1 with adequate limits. Call 702-742-6322.
Source: Insurance Information Institute (III), 2025; MoneyGeek, 2025
Questions
Rideshare insurance FAQ
Why doesn't my personal auto policy cover me when driving for Uber or Lyft?
Do I need rideshare insurance if Uber or Lyft already provides coverage?
How much does rideshare insurance cost in Nevada?
Can I get a rideshare endorsement on my Nevada auto policy?
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