If you drive for Uber or Lyft in San Antonio, your insurance obligations depend on Texas rideshare laws and your driving period within the app. Coverage rules change when the app is off, when you are waiting for a ride request, and when you are actively transporting a passenger.
For a complete overview, see San Antonio Rideshare Insurance for Uber & Lyft Drivers. Drivers in other Texas rideshare markets may also want to review our guides for Houston, Dallas, and Austin.
Texas Minimum Auto Insurance Requirements
Texas requires all drivers to carry minimum liability coverage of:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability
These limits apply during personal driving when the rideshare app is off.
Rideshare Insurance Periods
- 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.
Why Many Drivers Add Rideshare Insurance
Most personal auto policies exclude commercial driving activity. Because of this, many San Antonio drivers add a rideshare endorsement to cover the gap that occurs while waiting for ride requests.
Next Steps
Next, review Uber Insurance Coverage in San Antonio and Lyft Insurance Coverage in San Antonio.