Will my personal car insurance cover me if I drive for Uber or Lyft?

Car insuranceBuying a policyTexasChecked Nov 5, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: Texas Legislature · Insurance Code § 1954.151(a)-(b) View original ↗

In short

Your own car policy may not pay while the app is on.
Texas law lets insurers leave that time out of your policy.
Ask your insurer about a rideshare add-on before you drive.

What this means

In Texas, a personal car policy may leave out any loss while you are logged on to a rideshare app or giving a ride. That can include each part of the policy, such as liability, PIP, and collision [1]. The law does not make personal policies cover that time. But an insurer may choose to cover it. It can do so in the policy or with an add-on [2]. Before your first ride, the rideshare company must tell you in writing what it covers. It must also say your own policy may not cover you then [3].

Texas sets minimum coverage for those times. While you wait for a ride request: $50,000 per person and $100,000 per crash for injuries, and $25,000 for damage to things [4]. During a ride: $1 million in total per crash [4]. This can come from your policy, the rideshare company's policy, or both [5].

What it costs: we have no filed-rate price for a rideshare add-on yet — "Don't know yet". Ask your insurer for a quote.

Your next step

Before you drive, read the rideshare company's insurance notice and ask your own insurer, in writing, whether it covers app-on time or sells an add-on. The sources give no deadline.

Check it yourself

Search your policy for "transportation network", "rideshare", or "carrying persons for a fee". Rules outside Texas were not checked here — "Don't know yet".

Where this comes from (5)

[1] Texas Legislature · Insurance Code § 1954.151(a)-(b) · checked 2026-11-05
An insurer may exclude from coverage under a personal automobile insurance policy issued to an owner or operator of a personal vehicle any loss or injury that occurs while a transportation network company driver using the personal vehicle: (1) is logged on to a transportation network company's digital network; or (2) is engaged in a prearranged ride. (b) Subsection (a) applies to any coverage included in a personal a…
[2] Texas Legislature · Insurance Code § 1954.152 · checked 2026-11-05
This subchapter does not require a personal automobile insurance policy to cover a transportation network company driver while: (1) the driver is logged on to a transportation network company's digital network; (2) the driver is engaged in a prearranged ride; or (3) the driver otherwise uses a vehicle to transport passengers for compensation. (b) This section does not prevent an insurer from providing coverage that m…
[3] Texas Legislature · Insurance Code § 1954.101 · checked 2026-11-05
Before a transportation network company driver may accept a request for a prearranged ride on a transportation network company's digital network, the company shall disclose in writing the following: (1) the insurance policy, including the types of coverage and the limits for the policy, that the company provides while a driver uses a personal vehicle in connection with the company's digital network; and (2) that the …
[4] Texas Legislature · Insurance Code §§ 1954.052-1954.053 · checked 2026-11-05
At the time a transportation network company driver is logged on to the transportation network company's digital network and is available to receive transportation network requests but is not engaged in a prearranged ride, the automobile insurance policy must provide: (1) the following minimum amounts of liability insurance coverage: (A) $50,000 for bodily injury to or death for each person in an incident; (B) $100,0…
[5] Texas Legislature · Insurance Code § 1954.051(d) · checked 2026-11-05
The coverage requirements of this subchapter may be satisfied by: (1) automobile insurance maintained by the transportation network company driver; (2) automobile insurance maintained by the transportation network company; or (3) a combination of Subdivisions (1) and (2).

How we found this

We matched your question to 5 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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