If you drive for Uber or Lyft in Los Angeles, understanding how rideshare insurance works in California is essential. Insurance coverage changes depending on whether your rideshare app is off, you are waiting for a ride request, or you are actively transporting a passenger.
For statewide requirements, see our California Rideshare Insurance Guide.
Drivers in other major California rideshare markets may also want to review our guides for San Francisco, San Diego, San Jose, and Sacramento.
Is Rideshare Insurance Required in Los Angeles?
California requires rideshare drivers to comply with Transportation Network Company (TNC) insurance laws. Coverage requirements vary depending on your driving period and whether a passenger is in the vehicle.
California Minimum Insurance Requirements
California requires all drivers to carry minimum liability coverage of:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability
These limits apply during personal driving. When the rideshare app is active, additional insurance coverage layers apply.
How Uber and Lyft Insurance Works
- App Off: Personal auto insurance applies.
- Period 1 (App On, Waiting): Limited liability coverage from Uber or Lyft.
- Periods 2 & 3 (Trip Accepted / Passenger Onboard): Up to $1 million in third-party liability coverage.
Because many personal auto policies exclude commercial driving activity, many Los Angeles rideshare drivers add a rideshare endorsement to ensure continuous protection.
Rideshare insurance requirements and pricing can vary across California cities. If you’re comparing options, see how coverage works for drivers in San Diego and San Francisco.
Los Angeles Uber Insurance Coverage
Uber insurance coverage depends on your driving period. Learn more in Uber Insurance Coverage in Los Angeles.
Los Angeles Lyft Insurance Coverage
Lyft uses a similar insurance structure for drivers. See details in Lyft Insurance Coverage in Los Angeles.
How Much Does Rideshare Insurance Cost in Los Angeles?
Most Los Angeles rideshare drivers see a 10–25% increase in their insurance premium after adding a rideshare endorsement. Pricing varies depending on your driving history, vehicle type, and insurer.
For pricing details, see Rideshare Insurance Cost in Los Angeles.
Best Rideshare Insurance in Los Angeles
Not all insurers offer rideshare endorsements in California. Availability can vary depending on your ZIP code and underwriting policies.
Compare providers in Best Rideshare Insurance in Los Angeles.
Next Steps for Los Angeles Drivers
- Confirm your insurer allows rideshare driving
- Request rideshare endorsement pricing
- Understand deductible differences during active trips
- Review California statewide rideshare insurance rules