If you drive for Uber or Lyft in Sacramento, understanding how rideshare insurance works in California is essential. Insurance requirements change depending on whether your rideshare app is off, waiting for a ride request, or actively transporting a passenger.
For statewide coverage rules, see our California Rideshare Insurance Guide.
Drivers in other California rideshare markets may also want to review our guides for Los Angeles, San Francisco, San Jose, and San Diego.
Is Rideshare Insurance Required in Sacramento?
California requires rideshare drivers to follow Transportation Network Company (TNC) insurance laws. Coverage levels increase depending on whether the driver is waiting for a ride request or transporting a passenger.
California Minimum Auto Insurance Requirements
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability
These minimum limits apply when the rideshare app is turned off and the vehicle is used for personal driving.
How Uber and Lyft Insurance Works
- App Off: Personal auto insurance applies.
- App On – Waiting for Request: Limited liability coverage from Uber or Lyft.
- Ride Accepted / Passenger Onboard: Up to $1 million in third-party liability coverage.
Uber Insurance Coverage in Sacramento
Uber coverage depends on the driver’s activity in the app. Learn more in Uber Insurance Coverage in Sacramento.
Lyft Insurance Coverage in Sacramento
Lyft follows a similar insurance structure. See Lyft Insurance Coverage in Sacramento.
Rideshare Insurance Cost in Sacramento
Most Sacramento rideshare drivers see a 10–25% increase in premiums when adding a rideshare endorsement to their personal auto policy.
For pricing details, see Rideshare Insurance Cost in Sacramento.
Best Rideshare Insurance in Sacramento
Not all insurers offer rideshare endorsements in California. Availability varies depending on the insurer and driver location.
Compare providers in Best Rideshare Insurance in Sacramento.