If you drive for Uber or Lyft in Dallas, your insurance obligations depend on Texas rideshare rules and the period you are driving in the app. Coverage requirements change when your app is off, when you are waiting for a request, and when you are actively transporting a passenger. This guide explains the core requirements Dallas rideshare drivers should understand.
For the full city overview, see Dallas Rideshare Insurance for Uber & Lyft Drivers.
Texas Minimum Auto Insurance Requirements
Texas requires drivers to carry at least:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These limits apply during personal driving. Once you activate a rideshare app, additional coverage layers apply through Uber or Lyft.
Rideshare Coverage by Driving Period
App Off (Personal Use)
Your personal auto insurance applies while the rideshare app is off.
Period 1: App On, Waiting for a Ride
During this phase, Uber and Lyft provide limited contingent liability coverage. Because most personal policies exclude commercial use, a rideshare endorsement is commonly used to close coverage gaps.
Periods 2 & 3: Ride Accepted / Passenger Onboard
Once a ride is accepted and while transporting a passenger, Uber and Lyft generally provide up to $1 million in third-party liability coverage.
Do Dallas Drivers Need Commercial Insurance?
Most Dallas rideshare drivers do not need a separate commercial auto policy if they drive only through Uber or Lyft. Many drivers use a personal auto policy plus a rideshare endorsement instead.
Next Steps
- Confirm your insurer permits rideshare driving.
- Ask about a rideshare endorsement.
- Review platform coverage details: Uber Insurance Coverage in Dallas and Lyft Insurance Coverage in Dallas.