Drivers working for Uber or Lyft in Sacramento must follow California rideshare insurance laws, which require specific levels of liability coverage depending on the driver’s activity within the rideshare app.
For a full overview of coverage rules and local considerations, see Sacramento Rideshare Insurance for Uber & Lyft Drivers. Drivers in other California markets may also want to compare requirements in Los Angeles and San Francisco.
California Minimum Auto Insurance Requirements
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability
These limits apply when the rideshare app is turned off and the vehicle is being used for personal driving.
Rideshare Insurance Requirements by Driving Period
- App Off: Personal auto insurance applies.
- App On – Waiting for Request: Limited liability coverage from Uber or Lyft.
- Ride Accepted / Passenger Onboard: Up to $1 million in third-party liability coverage.
Why Many Sacramento Drivers Add Rideshare Insurance
Many personal auto insurance policies exclude commercial driving activity, including rideshare driving. Because of this, many Sacramento drivers add a rideshare endorsement to their policy to ensure continuous coverage while logged into the rideshare app.
Drivers comparing providers can review Best Rideshare Insurance in Sacramento and see how pricing compares in San Diego.