Ridesharing insurance quick facts

  • Rideshare insurance in New York can cost between $248 and $603 per month.

  • New York requires rideshare drivers to have certain types of insurance, including: 

    • Liability coverage

    • Personal injury coverage

    • Underinsured/ uninsured motorist coverage

    • Financial responsibility coverage

  • In New York City, rideshare drivers must have commercial auto insurance. This is required by the New York City Taxi and Limousine Commission (TLC).

  • The type of insurance that covers a driver depends on which phase of the rideshare process they're in: 

    • Phase 0: The app is off.

    • Phase 1: The app is on, but the driver is waiting for a request.

    • Phase 2: The driver has accepted a request and is on the way to pick up the passenger.

    • Phase 3: The passenger is in the vehicle and ends when the passenger exits.