If you drive for Uber or Lyft in Austin, your insurance requirements depend on Texas rideshare laws and the period you are driving in the app. Coverage rules change when the app is off, when you are waiting for a ride request, and when you are actively transporting a passenger.
For a complete overview, see our guide to Austin Rideshare Insurance for Uber & Lyft Drivers. Drivers in other Texas rideshare markets may also want to review our guides for Houston, Dallas, and San Antonio.
Texas Minimum Insurance Requirements
All drivers in Texas must carry minimum liability insurance of:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability
These limits apply when the rideshare app is off and the vehicle is being used for personal driving.
Insurance Coverage by Driving Period
- App Off: Your personal auto policy applies.
- Period 1 (App On, Waiting): Limited liability coverage from Uber or Lyft.
- Periods 2 & 3 (Ride Accepted / Passenger Onboard): Up to $1 million in third-party liability coverage.
Do Austin Drivers Need Additional Coverage?
Most personal auto policies exclude commercial driving. Because of this, many Austin drivers add a rideshare endorsement to ensure they remain covered during Period 1 when waiting for ride requests.
Next Steps
Next, review our guides on Uber Insurance Coverage in Austin and Lyft Insurance Coverage in Austin.