If you drive for Lyft in Maine, the company provides insurance coverage while the app is active. However, coverage levels vary depending on whether you are waiting for a ride request, en route to a passenger, or actively transporting a rider.
This guide explains how Lyft insurance coverage works in Maine and when additional rideshare-compatible insurance may be necessary. For a full overview of Maine-specific requirements, see our Maine rideshare insurance guide.
When Does Lyft Insurance Apply in Maine?
Lyft’s insurance policy applies only when the app is turned on. Coverage differs across driving periods.
Period 1: App On, Waiting for a Ride Request
When you are logged into the Lyft app and waiting for a request, Lyft provides contingent liability coverage. This typically includes:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage
This coverage may apply only if your personal insurer declines the claim. Many Maine drivers add a rideshare endorsement to reduce potential coverage gaps.
Period 2: En Route to Pick Up a Passenger
After accepting a ride request, Lyft’s commercial insurance policy becomes primary.
- $1,000,000 third-party liability coverage
- Uninsured/underinsured motorist coverage
- Contingent comprehensive and collision (if carried on your personal policy)
Period 3: Passenger in the Vehicle
While transporting a passenger, Lyft maintains $1 million in liability coverage during the active trip.
Do Maine Lyft Drivers Need Additional Coverage?
Yes. Personal auto insurance policies often exclude commercial activity unless a rideshare endorsement is added. Without proper coverage, claims could be denied.
To understand Maine’s minimum insurance requirements for rideshare drivers, review our Maine rideshare insurance requirements guide.
How Much Does Lyft-Compatible Insurance Cost in Maine?
The cost of rideshare-friendly insurance depends on the insurer, vehicle, location, and driving record. Many part-time drivers choose endorsements rather than full commercial policies to manage costs.
For a detailed breakdown of premium factors, see our Maine rideshare insurance cost guide.