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Insurance with Express Drive

Express Drive renter's insurance coverage depends on which of the following three periods you're in when an incident occurs:

  • Personal driving: You're offline (i.e. not in driver mode)
  • Waiting for a request: When the app is in driver mode and you have not received a ride request.
  • Ride in progress: This includes any time from accepting a ride request until the time the ride has ended in the app.

* Note: Coverages and limits may be modified to comply with local regulations and/or state laws.

Lyft works with various partners, including Allstate, Atlas, MetLife, Paragon, Travelers, and Zurich, to assist with auto insurance claims.

For details about insurance coverage in a rental vehicle, select your Express Driver partner below:


Hertz coverage

Period Auto Physical Damage Auto Liability Coverage Uninsured/Underinsured Motorist
Personal driving Hertz provides vehicle coverage regardless of fault; $50,000 limit per vehicle, with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Hertz provides coverage for bodily injury and property damage to third parties; coverage and limits vary state by state.* Hertz provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist. See your rental agreement for more detail.
Waiting for a request Hertz provides vehicle coverage regardless of fault; $50,000 limit per vehicle, with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties; coverage and limits vary by state.* Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.
Ride in progress Lyft provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties and/or passengers up to $1,000,000 per accident.* Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.

*Coverages and limits may be modified to comply with local regulations and/or state laws.

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Flexdrive coverage

Period Auto Physical Damage Auto Liability Coverage Uninsured/Underinsured Motorist
Personal driving* Flexdrive provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Flexdrive provides coverage for bodily injury and property damage to third parties; coverage and limits vary by state.** Flexdrive provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist. See your rental agreement for more detail.
Waiting for a request Lyft provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties; coverage and limits vary by state.** Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.
Ride in progress Lyft provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties and/or passengers up to $1,000,000 per accident.** Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.

*Depending on what state you drive in, your personal insurance policy may now serve as your primary coverage when you use personal miles. States where rental coverage will be excess insurance when you have eligible personal insurance: AZ, CO, GA, NC, OH, OR, RI, TN, TX, WA, WI. States where rental coverage will be secondary insurance when you have eligible personal insurance: CA. States where rental coverage will be primary insurance when you have eligible personal insurance: DC, MA, MD, MI, VA. States where rental coverage will be 50/50 split with your eligible personal insurance: PA.

**Coverages and limits may be modified to comply with local regulations and/or state laws.

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Avis coverage

Period Auto Physical Damage Auto Liability Coverage Uninsured/Underinsured Motorist
Personal driving Avis provides vehicle coverage regardless of fault; $50,000 limit per vehicle, with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Avis provides coverage for bodily injury and property damage to third parties; coverage and limits vary state by state.* Avis provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist. See your rental agreement for more detail.
Waiting for a request Avis provides vehicle coverage regardless of fault; $50,000 limit per vehicle, with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties; coverage and limits vary by state.* Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.
Ride in progress Lyft provides vehicle coverage regardless of fault; actual cash value of the vehicle or the cost of repairs (whichever is less) with a $1,000 deductible for which you are responsible. See your rental agreement for more detail. Lyft provides bodily injury and property damage coverage to third parties and/or passengers up to $1,000,000 per accident.* Lyft provides (up to what is required by local regulations and/or state laws) in the event of an accident involving an uninsured or underinsured motorist.

*Coverages and limits may be modified to comply with local regulations and/or state laws.

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