Lyft provides insurance protection for drivers in Los Angeles, but the coverage level changes depending on your driving status within the app. Drivers should understand how Lyft’s coverage works alongside their personal auto insurance policy.
For a full overview of rideshare insurance in the city, see Los Angeles Rideshare Insurance for Uber & Lyft Drivers. Drivers in other California rideshare markets may also want to review our guides for San Francisco, San Diego, and Sacramento.
Lyft Insurance Periods Explained
App Off
When the Lyft app is off, your personal auto insurance policy applies. California minimum liability requirements still apply during normal driving.
Period 1 – Waiting for a Ride Request
While the Lyft app is on and you are waiting for a ride request, Lyft provides limited liability coverage. Many drivers add rideshare endorsements to ensure they remain protected during this period.
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability
Periods 2 & 3 – Ride Accepted or Passenger Onboard
Once a ride request is accepted and while a passenger is in the vehicle, Lyft provides up to $1 million in third-party liability coverage. Contingent comprehensive and collision coverage may also apply if those coverages exist on your personal policy.
Common Coverage Gaps for Los Angeles Lyft Drivers
- Personal insurance exclusions during rideshare activity
- Limited protection during the waiting period
- Higher deductibles for Lyft vehicle damage claims
Next Steps
Next, review Uber Insurance Coverage in Los Angeles and compare pricing in Rideshare Insurance Cost in Los Angeles.