If you drive for Uber or Lyft in Washington, D.C., you must meet both the District’s personal auto insurance minimums and the higher liability standards that apply while operating as a transportation network company (TNC) driver. This guide explains the exact insurance requirements and how they apply during each rideshare driving period.
For a full overview of rideshare insurance in the District, see the Washington, D.C. Rideshare Insurance Guide.
D.C. Personal Auto Insurance Minimums
All drivers in Washington, D.C. must carry at least:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage per accident
These limits apply when your vehicle is being used for personal purposes. Once you activate a rideshare app, additional commercial-level requirements apply.
Insurance Requirements During Rideshare Periods
Period 1: App On, Waiting for a Ride Request
When logged into the app but waiting for a ride request, D.C. requires higher liability coverage. During this period, coverage must provide at least:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage per accident
This coverage is generally provided by the rideshare company on a contingent basis. However, most personal auto policies exclude commercial activity, making a rideshare endorsement important to avoid claim denial.
Periods 2 & 3: Ride Accepted and Passenger in Vehicle
Once you accept a ride and while transporting a passenger, Uber and Lyft provide up to $1 million in third-party liability coverage. Contingent comprehensive and collision coverage may apply if you maintain those coverages on your personal auto policy.
For company-specific details, see:
Do You Need a Rideshare Endorsement in D.C.?
In most cases, yes. A rideshare endorsement bridges the coverage gap between your personal auto policy and the rideshare company’s contingent insurance. Without it, you risk:
- Claim denial during Period 1
- Policy cancellation for undisclosed commercial use
- Out-of-pocket vehicle repair expenses
Proof of Insurance Requirements
D.C. drivers must carry proof of insurance at all times. Rideshare companies also provide digital proof of coverage within the driver app. After an accident, both personal and TNC insurance documentation may be required.
Penalties for Non-Compliance
Failure to maintain proper insurance in Washington, D.C. can result in fines, license suspension, registration suspension, and reinstatement fees. If you are involved in an accident without appropriate rideshare coverage, personal financial exposure can be substantial.
Next Steps for D.C. Drivers
- Confirm your insurer allows rideshare driving
- Add a rideshare endorsement if available
- Understand deductible differences during active trips
- Compare expected premium increases
Next, review: