Rideshare Insurance in Florida
Driving for Uber, Lyft, DoorDash, or any other Transportation Network Company turns your personal vehicle into a commercial asset. Standard auto policies generally exclude accidents that occur while you are “on-app,” leaving a potentially costly gap in protection. A dedicated rideshare endorsement—or a standalone rideshare policy—fills that gap so you’re covered from the moment you open the app until the ride or delivery ends.
Why You Need Extra Coverage
Most TNCs offer liability coverage only after you’ve accepted a fare. Before that moment, you could be liable for injuries or property damage with no help from your personal insurer or the platform. Rideshare insurance extends your existing policy into the periods the TNC policy does not fully protect.
| App Phase | Typical TNC Coverage | What a Rideshare Endorsement Adds |
|---|---|---|
| Phase 0 – App off | Your personal auto policy applies | No change needed |
| Phase 1 – App on, waiting for request | Limited liability from TNC (often low limits, no collision) | Restores your full liability limits and optional collision/comprehensive |
| Phase 2 – Ride accepted, en route to pickup | Higher TNC liability; still no comp/collision for your car unless you purchased it separately | Extends your collision/comprehensive so your vehicle repairs are covered |
| Phase 3 – Passenger on board or delivery in progress | TNC provides primary liability; collision/comprehensive only if you’ve selected them and meet the deductible | Bridges any remaining deductible gap and ensures personal injury protections remain intact |
Key Features of Florida Rideshare Policies
Seamless transition between personal and commercial use—no need for two separate policies.
Customizable deductibles so you can match or improve upon the TNC’s collision deductible.
Medical payments and uninsured motorist options to protect you and your passengers even when another driver is at fault.
Available for cars, SUVs, and select light trucks used for passenger transport or delivery services.
How Much Does Rideshare Insurance Cost?
Premiums depend on mileage, driving history, vehicle type, and how often you drive for a TNC. Many Florida insurers add the endorsement for a modest fee—often less than the cost of a single busy weekend shift’s earnings. Because each carrier prices risk differently, comparing quotes is the quickest way to find the best rate.
Get Your Rideshare Insurance Quote Today
Our independent agency works with multiple Florida carriers that specialize in rideshare endorsements. One quick conversation lets us shop options, match coverage to your driving habits, and keep you earning with confidence. Reach out now to secure the protection every rideshare driver needs.
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