If you drive for Uber or Lyft in Maine, you must meet specific insurance requirements once the rideshare app is turned on. Coverage obligations change depending on whether you are driving personally, waiting for a ride request, or actively transporting a passenger.
This guide explains Maine rideshare insurance requirements and how they interact with app-provided coverage. For the full overview of coverage coordination and provider options, see our Maine rideshare insurance guide.
How Rideshare Driving Periods Work in Maine
Maine applies different insurance requirements depending on your driving status:
- App off (personal driving)
- App on, waiting for a request
- En route to pick up a passenger
- Passenger in the vehicle
Period 0: App Off (Personal Driving)
When the rideshare app is turned off, your personal auto insurance policy applies. Maine’s minimum personal liability requirements are commonly expressed as 50/100/25.
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage
Period 1: App On, Waiting for a Ride Request
When the app is active and you are waiting for a ride request, Maine requires higher liability limits to apply during rideshare availability.
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage
Uber and Lyft provide contingent liability coverage during this period. However, many drivers choose rideshare-endorsed personal policies to avoid potential coverage gaps.
Periods 2 and 3: En Route and Active Ride
After accepting a ride request or while transporting a passenger, the rideshare company’s commercial policy becomes primary.
- $1,000,000 third-party liability coverage
- Uninsured/underinsured motorist coverage
- Contingent comprehensive and collision (if carried personally)
Is Personal Insurance Enough in Maine?
In most cases, personal auto insurance alone is not sufficient for rideshare activity. Many personal policies exclude commercial use unless a rideshare endorsement is added.
To understand how Uber’s commercial policy works during each driving period, review our Uber insurance coverage in Maine guide.
What Should Maine Drivers Do Next?
Drivers should confirm their personal insurer allows rideshare activity and evaluate whether adding a rideshare endorsement makes sense based on driving frequency and risk tolerance.
For a breakdown of premium factors and pricing considerations, see our Maine rideshare insurance cost guide.