Rideshare Insurance in Nevada (2025)
Rideshare companies offer state-compliant coverage for all drivers, but it may not be enough. Learn how to protect yourself with the right coverage options.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
You’ll need additional liability coverage if you drive for a rideshare company in Nevada. The good news is that rideshare companies usually offer this protection for free to their drivers, but it typically has lots of gaps in coverage. You can ensure you stay protected by purchasing rideshare coverage, which is available as an endorsement on your personal auto policy from most insurers.
Here’s what you need to know about securing rideshare insurance in Nevada.
Quick Facts
Rideshare drivers in Nevada must have $1.5 million in liability coverage during most phases of a ride.
Rideshare companies require you to file a claim with your personal insurance first, whether you have rideshare coverage or not.
If you get into an accident and don’t have a rideshare endorsement on your personal policy, your insurer could cancel your coverage entirely.
Cost of rideshare insurance in Nevada
Full-coverage rideshare insurance policies typically cost $431 per month in Nevada. Without the rideshare endorsement, the same coverage costs an average of $309 per month. Each insurer has its own formula to set the cost of rideshare insurance, so it’s important to compare quotes from multiple companies.
The table below shows the average full-coverage quote for rideshare drivers from top insurers in Nevada.
Insurance Company  | Average Full-Coverage Quote |
|---|---|
| COUNTRY Financial | $84 |
| State Farm | $121 |
| GEICO | $145 |
| USAA | $169 |
| Allstate | $217 |
| Mercury | $231 |
| Midvale Home & Auto | $284 |
| Safeco | $291 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Rideshare Insurance in Nevada
Full-coverage policies average $431 per month
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Best rideshare insurance companies in Nevada
Some car insurance companies offer better policies, prices, and customer service than others. It’s important to compare multiple companies to find the best fit for you.
Here are a few great insurance options to help get you started.
COUNTRY Financial: Best for affordable coverage
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
3.6
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (30)
Nan
March 30, 2025
Verified Review
Good
I would like my representative to return my calls. My coverage has been average.
Donna
March 12, 2025
Verified Review
Ok
The policy is good, but it's too pricey.
Ida-Marie F
December 16, 2024
Verified Review
Good Company
They are honorable and pay our claims promptly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.2A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Liability only: $50
Full coverage: $84
If you’re looking for low-cost insurance coverage, it’s hard to do better than COUNTRY Financial. The company offers the lowest rates, according to Insurify data, and the company has many great discounts.
It’s a particularly good choice if you have other full-time self-employed people in your household since it also offers a robust suite of insurance products for small-business owners and farmers.
Pros
Many available discounts
Large network of agents in Nevada
High J.D. Power rating for claims satisfaction
Cons
Poor customer reviews on Trustpilot and the Better Business Bureau (BBB)
Doesn’t offer gap insurance for financed vehicles
Limited availability if you move outside of Nevada
State Farm: Best for customer service
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
4.2
Best choiceBased on 11,093 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,993)
Kevin
May 14, 2025
Verified Review
Friends in Need
The main thing with SF is their rates; in my opinion, they are too high. The good side is that they are understanding and prompt. My wife and I have had 3 or 4 cars covered by SF plus home insurance. They always treat us fairly, just so high!
Robert
May 14, 2025
Verified Review
State Farm needs help
Good for car insurance but difficult getting claims approved on homeowners.
Sergio
May 14, 2025
Verified Review
Look very carefully before switching.
I don't have anything bad to say about State Farm. To compare with another company, it's important to look carefully at options. All options should be equal before deciding which company to choose.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Liability only: $74
Full coverage: $121
State Farm is the largest insurance writer for private passenger cars nationwide. That allows it to offer a high degree of financial stability for customers, in addition to low rates. State Farm is also a good go-to option if you’re looking to combine multiple policies, as it offers an extensive portfolio of coverage options.
Pros
AM Best financial strength rating of A++ (Superior)
Many favorable ratings from J.D. Power for customer satisfaction
Large network of agents in Nevada
Cons
May charge higher-than-average rates if you have bad credit
Not available if you relocate to Rhode Island or Massachusetts
Doesn’t offer gap coverage for cars financed outside of State Farm Bank
GEICO: Best mobile app
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $148/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $178/mo |
4.0
Best choiceBased on 11,874 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,402)
Barbara
May 14, 2025
Verified Review
Excellent
Good company but costs too much.
Mary
May 14, 2025
Verified Review
Not the best rate or policy combination
I am just looking for better rates and a 1-year payment option, not 6 months. I signed up for no spousal coverage and sent the signed document in, but Guiko sent an email stating they do not have it. I do not want it! Guiko does not offer 1-year insurance or even combine my policies—I have a truck, side by side, and rental property (I own the property but have it in an LLC). Sole owner SLLC.
Patricia
May 14, 2025
Verified Review
Geico Meets My Car Insurance Needs
I have been with Geico for quite a while but haven’t filed any claims. I do think they are a good company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re comfortable using a rideshare app, it makes sense to go with an insurance company that offers a top-notch app as well. GEICO offers many useful features, including the ability to photograph any damage to your vehicle and get a repair estimate within 20 minutes. That kind of service can help you get back on the road much quicker.
Pros
High IQ Score
Very high rating in the J.D. Power 2023 U.S. Digital Experience Study
Many available coverages
Cons
Low score in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study
Trustpilot rating of 1.6 stars
Gap insurance not available for cars with loans or leases
Rideshare insurance requirements in Nevada
Ferrying riders around in your vehicle is inherently risky because you could be responsible for their injuries in a car accident. That’s why Nevada law requires you to carry higher coverage limits beyond the normal 25/50/20 minimum policy.
It’s also important to know that the moment you switch on a rideshare app, your personal auto insurance policy no longer covers you. Your coverage then depends on where you are in the rideshare cycle and what type of coverage you have.[1]
Phase 1: You’ve switched the app on but haven’t yet accepted a ride request. You’re usually covered by a state-mandated 50/100/25 policy from the rideshare service but only if your personal insurer denies your claims. If you’ve bought rideshare coverage, your personal insurance will usually extend throughout all phases.
Phase 2: You’re en route to pick up a rider. Nevada law requires you to have $1.5 million in liability coverage during this phase. Again, rideshare services will usually cover you but only as a backup option to your own personal insurance — unless you’ve bought rideshare coverage.
Phase 3: You have passengers in your car. You’ll still need to carry $1.5 million in coverage, either through the ridesharing company or your separate rideshare endorsement on your personal insurance policy.
Requirements to drive for Uber and Lyft in Nevada
Transportation network companies (TNCs) like Uber and Lyft set certain rules and conditions you’ll need to meet in order to drive for the company. It’s a good idea to think about how some of these requirements could affect your car insurance needs, too.
Rideshare car requirements
Each TNC sets its vehicle requirements by city, not the entire state. Drivers in Las Vegas may have different car specifications than in other areas of the state, for example.
In general, some basic requirement guidelines include:[2] [3]
Car age: 16 years old or newer (10 years old or newer for Lyft drivers in Las Vegas)
Doors: At least four doors
Condition: No cosmetic damage or commercial branding (for Uber drivers)
Inspection: Pass a vehicle inspection
Rideshare driver requirements
Age: At least 18 years old (Uber) or 25 years old (Lyft)
Experience: At least one year of driving experience required for Uber (three years for people younger than 25)
Documents: Business license, proof of insurance, vehicle registration, driver profile photo
Driver’s license: A valid Nevada driver’s license
Background check: Review of your criminal history and driving record
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Types of rideshare insurance coverage
The type of coverage available for rideshare drivers is essentially the same as for standard auto insurance policies; the only difference is the amount of coverage you need during each phase of a ride. It’s wise to consider other coverages to make sure you’re fully protected in case of an Uber or Lyft car accident.
Liability coverage
Liability insurance pays for physical damage that you cause to other people or property.
Full coverage
Full coverage adds comprehensive and collision coverage to your insurance policy, offering compensation to repair your vehicle if it’s damaged in a covered accident.
Medical payments coverage
Also known as MedPay, this covers medical expenses in case of personal injury to you or your passengers in an accident.
Uninsured/underinsured motorist coverage
If another driver is at fault in an accident but doesn’t carry enough coverage, or any coverage, to pay for the damages, uninsured/underinsured motorist coverage helps fill in any coverage gaps.
Rideshare insurance FAQs
It can be tough to sort out what kind of insurance you need in order to drive for companies like Uber and Lyft, so here’s some quick, up-to-date information.
Do you need rideshare insurance in Nevada?
Generally, yes. Rideshare companies cover you with third-party liability insurance that’s secondary to your own coverage. But because private auto insurers generally don’t allow “business use,” insurance experts recommend buying a rideshare endorsement on your personal car insurance policy, which ensures your coverage will still apply.[4]
Do Uber drivers in Nevada have to carry commercial auto insurance?
Uber drivers don’t legally need commercial policies, but experts recommend buying a rideshare coverage endorsement on your personal auto policy. This ensures your private auto insurance will apply when you need to file a claim for a rideshare accident, which ridesharing companies usually require before their third-party liability insurance kicks in.[5]
Do you really need rideshare insurance if you have personal auto insurance?
Yes. Uber and Lyft insurance offer coverage that’s compliant with state law but only if you file a claim with your personal insurer first. If you don’t have a rideshare endorsement on your personal auto policy, your insurer could deny your claim and drop you from coverage.
What happens if you get into an accident while ridesharing without insurance?
You’ll have to pay for any damages or injuries you cause out of pocket. The state of Nevada may also cancel your car registration until you can show proof of coverage again, and you may be subject to certain fees and penalties since it’s illegal to drive without insurance.
Does DoorDash count as rideshare for insurance?
No. Nevada regulates rideshare companies that involve passengers but not ones that deliver goods.[6]
In addition, Nevada’s DMV states that drivers for DoorDash and other app-based delivery services “do not fall under additional regulation,” unlike rideshare drivers. Delivery drivers must have “higher liability insurance requirements,” although it doesn’t specify what those are.[7]
How does a rideshare insurance claim work?
Most rideshare companies require you to file a claim with your personal insurance first before their third-party insurance kicks in. You’ll generally need to do this even if you don’t carry a rideshare insurance endorsement on your personal policy, which means your insurer will probably deny your claim. Only then will the insurance from the rideshare company apply.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Nevada. "Transportation Network Companies and Auto Insurance:."
- Uber. "Requirements."
- Lyft. "Requirements."
- How Uber Car Insurance Works. "Rideshare Car Insurance."
- III. "Ride-sharing and insurance: Q&A."
- Nevada. "CHAPTER 706A - TRANSPORTATION NETWORK COMPANIES."
- Nv.gov. "Nevada Vehicles in Business Guide."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.