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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

Personal driving

  • Auto Physical Damage: 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.
  • Auto Liability Coverage: Hertz provides coverage for bodily injury and property damage to third parties; coverage and limits vary state by state.*
  • Uninsured/Underinsured Motorist: 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

  • Auto Physical Damage: 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.
  • Auto Liability Coverage: Lyft provides bodily injury and property damage coverage to third parties; coverage and limits vary by state.*
  • Uninsured/Underinsured Motorist: 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

  • Auto Physical Damage: 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.
  • Auto Liability Coverage: Lyft provides bodily injury and property damage coverage to third parties and/or passengers up to $1,000,000 per accident.*
  • Uninsured/Underinsured Motorist: 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

Drivers can now access important documents (i.e. Insurance documents) for their Flexdrive rental vehicles directly in the Lyft app by clicking on the ‘Documents’ tab from the dropdown menu in the driver app.

Personal driving

  • Auto Physical Damage: 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.
  • Auto Liability Coverage: Flexdrive provides coverage for bodily injury and property damage to third parties; coverage and limits vary by state.**
  • Uninsured/Underinsured Motorist: 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

  • Auto Physical Damage: 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.
  • Auto Liability Coverage: Lyft provides bodily injury and property damage coverage to third parties; coverage and limits vary by state.**
  • Uninsured/Underinsured Motorist: 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

  • Auto Physical Damage: 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.
  • Auto Liability Coverage: Lyft provides bodily injury and property damage coverage to third parties and/or passengers up to $1,000,000 per accident.**
  • Uninsured/Underinsured Motorist: 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.

See Lyft's Certificates of Insurance for printable copies of the Flexdrive insurance policy for your state.

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