Rideshare Insurance in Illinois and Indiana

Are you an Uber or Lyft driver in Illinois searching for affordable rideshare insurance? With over 1.7 million drivers nationwide, the rideshare industry is thriving. However, without the right insurance, one accident could cost you thousands. Many standard auto insurance policies don’t cover rideshare activity, meaning your claims could be denied.

At Insured ASAP, we make it easy to compare quotes from top-rated insurers in just a few clicks. Call us at (800) 641-7488 or fill out our online form to start building a budget-friendly policy that protects you, your vehicle, and your passengers. We have options for both part-time and full-time rideshare drivers.

Keep reading to learn more about rideshare accidents and how a policy from Insured ASAP will protect you in the event of one.

How Rideshare Services Impact Road Safety

As rideshare services like Uber and Lyft grow in popularity across Illinois and Indiana, so do concerns about safety on the road. The infographic below highlights key rideshare accident statistics, revealing that 2–3% of traffic incidents in areas with ridesharing have been linked to these services. It also shows how Uber has surpassed taxis in traffic fatalities since 2015.

Understanding these trends reinforces why having proper rideshare insurance coverage is so important for drivers and passengers alike.

Understanding Rideshare Insurance: What You Need to Know

All rideshare drivers must understand the basics of rideshare insurance to be adequately covered and protected. At Insured ASAP, we have the answers to your questions about rideshare insurance in Illinois. From understanding what coverage you need and which companies offer it to learning about discounts and more, our team can help you make an informed decision.

What Is Uber Insurance?

Uber insurance is a $1,000,000 liability policy that provides coverage from accepting a ride request until you drop your passenger off. To find out more about Uber Insurance, click here for additional information.

What Is Lyft Insurance?

Lyft insurance provides drivers with a 50/100/25 split limit liability policy. It kicks in when you accept a ride request and remains in effect until you drop off your passenger. To get more information about Lyft Insurance, click here for additional details.

What Are the Lift and Uber Driver Insurance Requirements?

If you are a Lyft or Uber driver in Illinois, you must meet the state’s minimum insurance requirements. These requirements are:

• $25,000 minimum per person in bodily injury liability
• $50,000 in bodily injury liability per accident
• $20,000 in property damage liability

Ensure your policy meets these requirements to comply with the law.

What Are the Consequences of Not Having Rideshare Insurance in an Accident?

If you’re in an accident while driving for Uber or Lyft and don’t have rideshare insurance, you could face denied claims, canceled policies, and full financial responsibility for injuries or damages. That’s because most personal auto policies exclude “for-hire” driving, and Uber/Lyft’s insurance only applies in specific phases of the trip.

For example, if your app is on but you haven’t accepted a ride, you may have minimal or no coverage at all. This is known as Period 1, the most vulnerable gap. Once you accept a ride and are en route or transporting a passenger (Periods 2 and 3), Uber and Lyft offer limited liability coverage, but it may not be enough to protect you fully. Rideshare insurance fills these gaps so you’re protected at every stage.

Will My Personal Car Insurance Policy Cover Me While Driving for Uber/Lyft?

Drivers must have a valid, in-force car insurance policy to drive for ridesharing services like Uber or Lyft. However, you may require more than this coverage if you are involved in an accident while transporting or on the way to pick up a passenger. To ensure that you and your passengers are fully protected, having the right rideshare insurance policy in place is essential.

Do I Need Additional Insurance if I Already Have Car Insurance?

Even if you already have a car insurance policy, you may need additional rideshare insurance to ensure you are adequately covered. Without it, any claim you file could be rejected, leaving you paying out of pocket!

Do I Need to Notify My Car Insurance Company if I Drive for Uber or Lyft?

It is not advisable to keep this information to yourself if you want your claims to be honored. Remember, those car insurance premiums may increase, and drivers may get denied coverage. We provide quotes for rideshare insurance in Chicago and the surrounding areas, so contact us today to get started!

What Are the Consequences of Not Telling My Car Insurance Company I’m a Rideshare Driver?

Most insurance companies now ask if any drivers in the household are using their vehicles for rideshare activities, such as Uber or Lyft. If you fail to disclose this information, it is possible that your policy could be canceled or voided.

Which Companies Offer Rideshare Insurance for Uber and Lyft Drivers?

At Insured ASAP, we partner with numerous Illinois insurance companies to provide rideshare insurance in Chicago for Uber and Lyft drivers. Our experienced agents will work with you to find the best coverage option.

What Are the Costs of Rideshare Insurance in Chicago?

As the popularity of rideshare services continues to grow, more and more insurance carriers are now offering affordable coverage for Uber and Lyft drivers. For example, with Insured ASAP, rideshare insurance premiums in Chicago and the surrounding areas start from as little as $49 each month for liability coverage. That allows drivers to stay protected and comply with the law at an affordable price.

Can You Drive for Uber or Lyft with an SR-22 in Illinois?

You may be able to drive for Uber or Lyft with an SR-22 in Illinois, but it depends on your driving record and your insurance provider. An SR-22 proves you carry state-required liability coverage after a serious offense like a DUI or license suspension. While Uber and Lyft don’t automatically disqualify drivers with an SR-22, approval is handled individually, and not all insurers that offer SR-22 filings allow rideshare driving. Insured ASAP works with carriers in Illinois that provide both SR-22 coverage and rideshare-friendly policies to help you stay eligible and protected.

How Does Uber Verify Insurance?

Uber verifies your insurance by requiring you to upload a valid insurance document through the Driver app before you can start accepting rides. This proof must show your name, policy number, and effective dates, and it must meet Illinois’ minimum coverage requirements. If your coverage lapses, expires, or doesn’t meet Uber’s standards, your account may be temporarily deactivated until updated documents are submitted and approved.

Contact Insured ASAP For Affordable Rideshare Insurance in Illinois

If you are looking for rideshare insurance in Chicago or the surrounding areas, contact Insured ASAP today! Our experienced agents will help you find a policy that meets your needs and is appropriate for your budget.

To start your quick quote process, just text 800-641-7488, call us at (800) 641-7488, or fill out our online contact form. Our team will be in touch to help you with your policy so you can rest easy knowing you are protected.