Choosing the best rideshare insurance in Los Angeles requires understanding how personal auto coverage works alongside the insurance provided by Uber and Lyft. While the rideshare platforms provide liability coverage during active trips, many drivers add additional protection to avoid gaps between coverage periods.
For a full overview of rideshare insurance rules 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.
Top Insurance Companies Offering Rideshare Coverage
Several major insurers offer rideshare endorsements or policies designed for Uber and Lyft drivers in Los Angeles.
- State Farm
- Progressive
- Allstate
- Farmers
- GEICO
What to Look for in a Rideshare Policy
- Coverage during Period 1 (waiting for ride requests)
- Reasonable collision deductibles
- Clear disclosure of rideshare activity to the insurer
- Affordable endorsement pricing
How Uber and Lyft Coverage Works
Uber and Lyft provide up to $1 million in liability coverage once a driver has accepted a ride or is transporting a passenger. However, coverage during the waiting period is limited, which is why many drivers add a rideshare endorsement.
Next Steps
Next, review Uber Insurance Coverage in Los Angeles and Lyft Insurance Coverage in Los Angeles to better understand how platform insurance interacts with your personal auto policy.