Rideshare Insurance in Virginia (2025)

People driving for rideshare or transportation network companies (TNCs) like Lyft and Uber must buy rideshare insurance because a personal car insurance policy doesn’t provide sufficient coverage. Not all Virginia auto insurers offer rideshare insurance, but many do.

Per Virginia law, TNCs must require drivers to have insurance that covers them from when they accept a ride request to the end of the transaction, as well as between when they log on and off but aren’t driving. Rideshare drivers must have liability insurance with higher limits than Virginia’s minimum requirements.^[1]

Here’s what you need to know about how rideshare insurance works in the state and what insurers to consider buying coverage from.

Find Cheap Car Insurance in Virginia

Full-coverage insurance rates start at $90 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

How much does Virginia rideshare insurance cost?

Auto insurance premiums in Virginia vary based on driving record, vehicle, city, ZIP code, insurance company, and more. Many rideshare drivers may choose to purchase full-coverage insurance with an additional rideshare endorsement.

The table below shows the cheapest average monthly quotes for full-coverage auto insurance available to Virginia drivers from companies offering rideshare insurance.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote: Full Coverage	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.
Auto-Owners	$119	8
State Farm	$122	9
Clearcover	$134	7
USAA	$163	9
Chubb	$179	7
CSAA	$187	9
Erie	$187	8
Progressive	$188	9
GEICO	$203	9
Elephant	$206	9
Nationwide	$212	9
Mercury	$222	8
Safeco	$249	8
Allstate	$256	9
National General	$264	7
Direct Auto	$267	8
Bristol West	$285	7
Root	$292	8
Liberty Mutual	$309	8
Travelers	$342	9
AssuranceAmerica	$352	6
GAINSCO	$365	8
The General	$430	7
Dairyland	$460	8

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Rideshare insurance requirements in Virginia

Virginia laws for rideshare insurance vary depending on what phase of use you’re in with the rideshare app. Here’s what you need to know.

Phase 1

When you drive your vehicle for personal use with the rideshare app turned off, your personal auto policy covers your vehicle. You must meet the state’s ordinary minimum coverage requirements applicable to all drivers of personal vehicles.^[2]

This includes $30,000 per person and $60,000 per accident in bodily injury liability, $20,000 per accident for property damage liability, and equal amounts of uninsured/underinsured motorist coverage.^[3]

Phase 2

This phase begins the moment you log into a TNC’s digital platform and ends when you accept a request to transport a passenger. During this time, Virginia requires a minimum of $50,000 per person and $100,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.

Rideshare drivers can buy insurance to meet this requirement as long as the TNC verifies the policy is in effect and covers ridesharing. Otherwise, the TNC can maintain the necessary insurance on the driver’s behalf.

Phase 3

The moment you accept a pre-arranged ride on a TNC platform, this phase begins. And it lasts until the ride is complete or you complete the transaction on the TNC’s digital platform. Drivers must have a minimum of $1 million in liability insurance for death, bodily injury, and property damage. Rideshare drivers or the TNC can fulfill this requirement as outlined in Phase 2.

Uber and Lyft requirements in Virginia

Both Uber and Lyft impose certain vehicle and driver requirements before a motorist can begin working as a rideshare driver in the state of Virginia. Here’s what you need to know about minimum requirements for drivers and vehicles in Virginia.

Rideshare car requirements

People applying to drive for Uber or Lyft must prove they have an eligible vehicle that meets the company’s specific requirements.

Rideshare driver requirements

Before TNC companies approve you to drive for the company, you need to prove that you meet certain eligibility requirements as a driver.

Types of rideshare insurance coverage

It’s important to understand the types of rideshare insurance coverage you can purchase. Here’s what you need to know:

• 

  Liability coverage

  If you injure or kill someone or damage someone’s property while driving a vehicle for rideshare, liability insurance kicks in to cover the resulting medical bills and repair costs. It can also cover potential legal bills.

• 

  Uninsured/underinsured motorist coverage

  In case of an accident caused by a driver without insurance or with too little insurance, uninsured/underinsured motorist coverage can help pay for the costs of your injury or vehicle damage.

• 

  Collision coverage

  If your vehicle needs repair or replacement after an accident, collision insurance can cover it, regardless of fault. This applies to collisions with another vehicle or an animal, or even a single-car crash.

• 

  Comprehensive coverage

  Comprehensive coverage pays out if a non-collision incident causes damage to your vehicle. Potentially covered incidents include severe weather, vandalism, and falling trees.

You should also carefully consider your deductible, which is the amount you must pay out of pocket for a covered claim before insurance kicks in. Liability insurance doesn’t have a deductible, but collision and comprehensive coverages do. Setting a higher deductible will result in lower premiums. But you should always make sure you can comfortably afford it.

Rideshare insurance FAQs