Drivers working for Uber or Lyft in San Francisco 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 complete overview of coverage options and local insurance considerations, see San Francisco Rideshare Insurance for Uber & Lyft Drivers.
California Minimum Insurance Requirements
All California drivers must carry minimum liability coverage when operating a personal vehicle:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability
These limits apply only 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: Uber and Lyft provide limited liability coverage.
- Ride Accepted / Passenger Onboard: Up to $1 million in third-party liability coverage is provided by the rideshare company.
Why Many Drivers Add Rideshare Insurance
Many personal auto policies exclude commercial activity, including rideshare driving. As a result, San Francisco drivers often add a rideshare endorsement to ensure coverage remains valid while waiting for ride requests.
Drivers comparing policies can review Best Rideshare Insurance in San Francisco.