Rideshare Insurance in California
Cover Yourself while driving rideshare vehicles on the road
with Number 1 Insurance.
As rideshare insurance services like Uber and Lyft become more popular, it’s important for drivers to understand their insurance coverage options. At Number 1 Insurance, we offer rideshare insurance policies specifically designed to meet the needs of drivers in California. Our policies provide coverage for both personal and commercial use, so you can drive with confidence, knowing you’re protected no matter what.
We can also help you get a rideshare insurance quote quickly. We look at your driving history, vehicle type, and how often you drive when you work with a rideshare app. That helps us suggest coverage that’s right for you — not too much, not too little. If you use your vehicle frequently for rideshare or delivery work, you may benefit from added protection under a solid riding insurance plan.
You’ll know exactly what your costs and coverage will be before you start driving. With clear estimates and honest advice, many of our clients feel safer on the road — because they know what’s covered and what isn’t before a trip begins.
When you request a rideshare insurance quote, we check how often you drive, where you operate, and what kind of coverage you need before you start accepting rides. That helps avoid surprises if something goes wrong. We also offer guidance on how to layer your personal coverage and any rideshare protections so you stay fully covered during every stage — whether the app is off, you’re waiting for a ride, or carrying passengers. With the right riding insurance, you get peace of mind knowing that liability, damage, or medical costs are taken care of when you’re working.
What Happens If I Drive For Lyft or Uber Without the Proper Coverage from My Insurance Company?
Most personal auto insurance policies do not cover commercial use of your vehicle. Driving for Lyft or Uber is considered commercial use. If you get into an accident without the right coverage, your personal insurance may not pay for damages or injuries.
Lyft and Uber do provide insurance to their drivers. However, the coverage is often limited and depends on the time period. For example, if the app is on but you have not accepted a ride, you may only have liability coverage. This basic coverage might not pay for all accident costs. To stay protected, rideshare drivers should consider buying additional insurance.
The rapid rise of rideshare industries like Uber/Lyft means that drivers should have an understanding of the types of insurance coverages available to them. Number 1 Insurance offers rideshare Insurance Products created for California drivers. Rideshare policy holders can take comfort in knowing they will have a limit for personal/vehicle use as well as for business purposes. Therefore, this gives drivers a peace of mind to operate knowing they will be financially protected in the event of an unexpected incident.
We can also help you get a rideshare insurance quote quickly. We look at your driving history, vehicle type, and how often you drive when you work with a rideshare app. That helps us suggest coverage that’s right for you — not too much, not too little. If you use your vehicle frequently for rideshare or delivery work, you may benefit from added protection under a solid riding insurance plan.
Why You Need a Full Rideshare Insurance Plan
Driving for apps like Uber or Lyft brings extra risks. Your personal auto insurance often excludes rideshare use. That means the moment you switch the app on, you may lose coverage. Getting a proper rideshare insurance quote helps you understand how much extra protection costs — before you begin driving.
A good “riding insurance” plan fills the coverage gap when the app is on but you aren’t carrying a passenger yet. It covers liability, accident damage, and maybe even medical or legal costs. With this protection, you stay safe whether you’re driving to pick up a rider or simply waiting for a request.
At Number 1 Insurance we walk you through all your options. We help you compare plans from multiple insurers. We show you what each policy covers — and what it doesn’t — so you know exactly what you’re paying for. That way you can drive confidently, without worrying if a single ride could end up costing more than you earn.
Request your Insurance Quote Today
Don’t wait until it’s too late – choose Number 1 Insurance for your rideshare insurance needs. Our knowledgeable agents are here to help you find the right coverage at a price that fits your budget.