Rideshare Insurance for Uber and Lyft Drivers in San Diego (2026 Guide)

You turn on the Uber or Lyft app in North Park, drive toward the Gaslamp to catch the post-game crowd, and tap the brakes a second too late. Who pays? The honest answer depends on a detail most drivers never think about: what your app was doing at that exact moment. This guide to rideshare insurance in San Diego explains how coverage shifts as you move between app-off, waiting, en route and on-trip, what Uber and Lyft actually cover, what California changed on January 1, 2026, and where the expensive gaps sit. You will also see what published sources say about cost, two worked examples with San Diego numbers, and a step-by-step setup checklist.

Figures in this article are based on publicly available information as of September 21, 2026, and can change. Always confirm current terms with your insurer and the platform.

Quick Answer
In California, your personal auto policy generally stops covering you the moment you log into Uber or Lyft, unless you have added rideshare coverage. While you wait for a request (Period 1), the platform provides only limited liability coverage for other people and nothing for your own car. Once you accept a trip, the platform carries $1 million in liability, but damage to your car is covered only if you already carry comprehensive and collision, and then with a $2,500 deductible. A rideshare endorsement on your personal policy is the most common way drivers close these gaps; full-time and black-car drivers often need commercial coverage instead.

How Rideshare Insurance Works: The Three App Periods

California was the first state to write rideshare insurance rules around “periods,” and much of the industry now uses the same framework. Mercury Insurance notes on its rideshare page that much of the industry has adopted California’s definitions. Understanding them is the whole game.

Period 0: App off

When the driver app is off, you are just a person driving your car. Your personal auto policy applies, and it must meet California’s minimum liability limits. According to the California DMV, those minimums are $30,000 for injury or death to one person, $60,000 for injury or death to more than one person, and $15,000 for property damage.

Period 1: App on, waiting for a request

This is the risky stretch. Lyft’s California driver page states that under AB 2293, your personal policy, including comprehensive and collision, will not cover rideshare driving unless you have also purchased rideshare coverage.

Under California Public Utilities Code Section 5433, as amended by SB 371, the platform must provide primary liability coverage of at least $50,000 per person and $100,000 per incident for injury or death, plus $30,000 for property damage, along with at least $200,000 of excess liability coverage per occurrence. That coverage protects other people. It does nothing for your own car.

Periods 2 and 3: En route and on-trip

Period 2 starts when you accept a request. Period 3 starts when the passenger gets in and ends when they get out. The same statute requires $1 million of primary coverage for death, personal injury and property damage from acceptance until the ride is complete.

Here is how the pieces fit together.

Period	What’s happening	Minimum TNC liability under CA law	Damage to your own car	Your personal policy without rideshare coverage
0	App off	None (personal policy applies)	Your own comprehensive/collision, if you carry it	Applies
1	App on, waiting	$50,000 / $100,000 injury, $30,000 property, plus $200,000 excess	No Uber- or Lyft-maintained coverage	Generally excluded
2	Request accepted, driving to pickup	$1,000,000	Contingent comp/collision up to actual cash value, $2,500 deductible, only if you carry comp/collision personally	Generally excluded
3	Passenger in car	$1,000,000, plus UM/UIM of $60,000 per person / $300,000 per incident	Same as Period 2	Generally excluded

Sources: California Public Utilities Code §5433 (as amended by SB 371), Uber and Lyft driver insurance pages, California DMV.

What Changed in 2026: SB 371 and Lower UM/UIM Limits

If you read older guides, you will see that Uber and Lyft carried $1 million of uninsured/underinsured motorist (UM/UIM) coverage. That is no longer the rule in California.

What the law now says

SB 371 was approved by the governor on October 3, 2025, as Chapter 314 of the Statutes of 2025. The chaptered bill text lowers the TNC UM/UIM requirement from $1,000,000 to $60,000 per person and $300,000 per incident, from the moment a passenger enters the vehicle until they exit. It also makes that coverage primary over other UM/UIM coverage and solely the platform’s obligation.

The bill was tied to AB 1340, the rideshare driver bargaining law. SB 371’s text says it becomes operative only if AB 1340 was enacted by January 1, 2026, and the Governor’s office announced that AB 1340 was signed on October 3, 2025. Uber’s newsroom post confirms the new limits apply to California trips starting January 1, 2026.

The law also requires the California Public Utilities Commission and the Department of Insurance to study whether these UM/UIM levels fit the risk and report to the Legislature by December 31, 2030.

Why some sources still say $1 million

When we checked on September 21, 2026, the CPUC’s own “Insurance Requirements for TNCs” page still described $1 million of UM/UIM in Period 3, and ValuePenguin’s California rideshare guide (updated July 17, 2026) also still listed $1 million. Those pages appear not to have been updated. The statute, as amended by SB 371, is what governs, and Uber’s own announcement matches the statute.

A smaller disagreement: some law-firm summaries describe the new UM/UIM limits as applying in Periods 2 and 3. The statute ties the UM/UIM requirement to the passenger being in the vehicle, which is Period 3.

What it means in practice

UM/UIM pays when someone else causes the crash and has no insurance or too little. Under the old rule, a serious crash caused by an uninsured driver during a trip had a much larger backstop. Now, anyone injured in the car faces a $60,000 per-person platform limit for that type of claim. Many drivers in this situation look more closely at the UM/UIM limits on their own personal policy, and at the Prop 22 benefits covered below. A licensed agent can tell you how your own UM/UIM interacts with the platform’s coverage.

What Uber and Lyft Cover, and What They Don’t

The platforms’ coverage is real and substantial during trips. The problem is the conditions attached to it.

The $2,500 deductible and the “contingent” catch

Uber’s driver insurance page says that once you accept a trip, it maintains coverage to repair your car up to actual cash value with a $2,500 deductible, contingent on your personal policy including comprehensive and collision. Lyft’s insurance page describes the same structure with a $2,500 deductible.

“Contingent” matters. Uber states plainly that there is no Uber-maintained collision or comprehensive coverage if you are offline, if you are online but have not accepted a trip, or if you do not carry comprehensive and collision on your own policy. If you dropped to liability-only to save money, the platform’s physical damage coverage disappears too.

Uber also notes that the deductible may be $1,000 for vehicles obtained through its Vehicle Marketplace.

No rental car

Uber’s FAQ answers the rental question directly: its insurance will not cover a rental car while yours is being repaired. For a driver who earns with the car, a week in the shop is lost income on top of the repair bill. Uber also describes an optional Vehicle Interruption Coverage product that pays a $2,500 lump sum if a covered accident or theft leaves the car inoperable for at least 24 hours, but only where it is available, so check the app for California availability.

Period 1 liability: $25,000 or $30,000?

Uber’s and Lyft’s national pages list Period 1 property damage coverage of “at least” $25,000. California’s statute and the CPUC both require $30,000. The national figures are floors across many states; in California, the state requirement applies.

Prop 22 occupational accident insurance

California drivers get one benefit most other states don’t. Proposition 22, now Business and Professions Code Section 7455, requires app companies to provide occupational accident insurance covering medical expenses up to at least $1,000,000 and disability payments equal to 66 percent of average weekly earnings, for up to 104 weeks, for injuries suffered while online. It also requires accidental death coverage for dependents.

Uber’s page confirms it maintains this coverage automatically for California rideshare drivers, with no sign-up needed, and that it does not apply to personal driving. The statute also carves out accidents that happen while you are online with one app but actively engaged on another platform, so multi-apping creates grey areas worth understanding.

This protects your body. It does not fix your car or pay a lawsuit.

The Period 1 Gap, With Real Numbers

Here is where drivers get hurt financially. The following is a hypothetical example using round numbers for illustration.

Worked example 1: A fender bender in Clairemont

Maria lives in Clairemont and drives a paid-off 2019 Toyota Prius she estimates is worth about $18,000. She carries full coverage on her personal policy with a $500 collision deductible, but she has never told her insurer she drives for Uber.

On a Friday evening she is logged in, waiting for a request, and rear-ends a car at a light on Balboa Avenue. The other car needs $9,000 in repairs, the other driver has $12,000 in medical bills, and Maria’s Prius needs $6,500 of bodywork.

Without rideshare coverage:

The other driver’s $12,000 injury claim and $9,000 property claim fall within Uber’s Period 1 limits ($50,000 per person and $30,000 property damage under California law), so those are covered.
Maria’s $6,500 repair is the problem. Uber maintains no collision coverage in Period 1, and her personal policy excludes rideshare activity. She pays $6,500 herself.
Her insurer may also cancel or non-renew her policy. Progressive, for example, says an insurer could do that if it learns you drive for a rideshare service without telling it.

With a rideshare endorsement:

Her personal collision coverage extends into Period 1. She pays her $500 deductible, and the policy handles the rest, subject to its terms.
Net difference in this one crash: about $6,000.

What if it happened during a trip?

Change one detail: Maria had a passenger aboard. Uber’s $1 million liability covers the other driver. Her car is covered by Uber’s contingent collision because she carries collision personally, but she pays the $2,500 deductible. Some endorsements reimburse the difference between the platform’s deductible and yours. Progressive says it will pay you the difference between the rideshare company’s deductible and your personal deductible. With that feature and a $500 personal deductible, her out-of-pocket drops from $2,500 to $500.

Your Options: Endorsement, Rideshare Policy or Commercial Auto

There are three broad ways to close the gaps. Which fits depends mostly on how much you drive and what kind of service you offer.

A rideshare endorsement on your personal policy

This is the most common route. You add a rideshare endorsement to your existing policy, and some or all of your personal coverages follow you into Period 1. The details vary a lot by company:

State Farm says its Transportation Network Company Driver Coverage extends your personal policy’s limits and deductibles, with liability extended only while you are on the app and no request has been accepted. Comprehensive, collision, rental and roadside coverages apply only if you selected them on your personal policy.
Mercury says its coverage applies in Period 1 and does not apply after you accept a request or while a passenger is aboard. It requires a Mercury personal auto policy and lists California among the states where it is sold.
Progressive says it requires customers who drive for rideshare to add the coverage, and describes deductible reimbursement for the gap between the platform’s deductible and yours. Confirm current California availability with the company.
Allstate received California Department of Insurance approval for its Ride for Hire endorsement in 2016, covering Period 1.

Hybrid or “all periods” rideshare policies

Some insurers sell policies designed to cover personal and rideshare use together and apply across more periods. These can simplify claims because one company handles the whole event. They tend to cost more than a basic Period 1 endorsement. A licensed agent can show you whether a policy actually applies in Periods 2 and 3 or simply fills gaps around the platform’s coverage.

Commercial auto insurance

A commercial policy is designed for vehicles used primarily for business. It generally costs more and is often overkill for a part-time driver. It becomes relevant when the platform or the law requires it. Uber states that commercially licensed drivers operating black cars, limousines, livery vehicles or taxis must carry their own commercial insurance. State Farm says Uber Black and Lyft Black services are considered livery and require a commercial livery policy it does not offer.

Company / type	What it adds	Periods where it helps	Deductible gap feature	Worth confirming
State Farm TNC Driver Coverage	Extends your personal limits and deductibles	Liability in Period 1; your own coverages while logged in	Not stated on its page	Whether comp/collision applies in Periods 2–3 in CA
Mercury rideshare endorsement	Fills Period 1 gap	Period 1 only	Not applicable after acceptance	Price for your policy; delivery apps
Progressive rideshare coverage	Extends coverages while logged in and waiting	Period 1, plus deductible reimbursement	Yes, per Progressive	California availability
Allstate Ride for Hire	Period 1 coverage (CDI-approved in CA, 2016)	Period 1	Ask	Current CA terms and price
Commercial / livery policy	Business-use coverage	All business use	Policy-specific	Required for black car, livery, TCP

Sources: insurer websites and California Department of Insurance, accessed September 21, 2026. Product terms change; confirm with a licensed agent.

How Much Does Rideshare Insurance Cost in San Diego?

This is where published numbers disagree most, and it’s usually because they measure different things.

What the sources report

Insurify reports that California rideshare drivers pay an average of $125 per month for liability coverage and $263 per month for full coverage. Those are whole-policy costs, not the add-on alone. Its methodology uses median quotes for drivers aged 20 to 70 with clean records, with full coverage priced at $1,000 comprehensive and collision deductibles and bodily injury limits between the state minimum and $50,000/$100,000.
State Farm says its rideshare coverage generally adds about 15 to 20 percent to your current premium.
Mercury says its coverage can cost as little as 90 cents a day, depending on the policy premium, and requires a Mercury auto policy. At that floor, that works out to roughly $27 a month.
The California Department of Insurance, announcing Allstate’s endorsement approval in March 2016, cited an estimated $15 to $20 a year. That is a decade-old figure and should not be read as a 2026 price.

Why they don’t match

Insurify measures the entire premium for a rideshare driver, including personal coverage. State Farm expresses the add-on as a percentage, so a driver with a $1,500 premium and one with a $3,000 premium would see very different dollar amounts. Mercury quotes a starting price, not an average. The CDI figure reflects 2016 pricing for one product. None of these is wrong; they answer different questions.

What drives your price in San Diego

Your ZIP code, vehicle, driving record, annual mileage, coverage limits and deductibles matter far more than the endorsement itself. Adding rideshare use also tells the insurer your car will log more miles, often at night and in dense areas like Downtown, Hillcrest and Pacific Beach. The only reliable way to know your number is to get quotes with and without the endorsement from several companies.

Rideshare Insurance in San Diego: Local Rules and Risks

A few things about driving here change the insurance picture.

The airport staging lot is Period 1 time

At San Diego International Airport, Uber’s driver rules say the app must stay on the entire time you are on airport property, and pickup requests come through a queue in the rideshare staging lot north of Liberator Way off Harbor Drive. Every minute you spend circling toward the lot, waiting in it, or following a Prematch prompt toward the terminals before a request arrives is Period 1. For drivers who work SAN heavily, that’s a lot of hours in the least-protected period.

Uber also states that vehicles must be less than 10 years old to be eligible for airport pickups, and that it will not pay citations drivers receive on airport property.

Business tax certificates

Lyft’s California driver page states that residents of incorporated cities within San Diego County are required to obtain a Business Tax Certificate, while residents of unincorporated areas are not. The City of San Diego says all businesses operating in the city must register, charges $38 for mail-in applications ($34 business tax plus a $4 state-mandated fee), and assesses late fees for applications received more than 15 days after the business start date. Residents of Chula Vista, Oceanside, Escondido and other incorporated cities should check with their own city.

Military drivers

San Diego’s large military community has some flexibility. Lyft says active duty military applicants and their dependents can use an out-of-state driver’s license and vehicle documents, whereas civilians need a California license and California plates. Insurance is a separate question: your insurer needs to know about rideshare use regardless of where the car is registered. Insurify reports that USAA offers a rideshare endorsement, though eligibility is limited to its membership.

Inspections and age limits

Lyft requires California drivers to be 25 or older and to pass a vehicle inspection every 12 months or 50,000 miles, whichever comes first. It says third-party inspections typically cost around $20 to $30. These are small costs, but they belong in the same budget as your insurance.

Big-event surges

Comic-Con, Padres games at Petco Park, concerts and holiday weekends bring long waits in traffic with the app on. That’s more Period 1 exposure and more stop-and-go driving where rear-end crashes happen. If you plan to drive events, it’s worth making sure your coverage is in place before, not after.

Border trips

Some riders will ask about Tijuana. Before accepting any trip that could cross the border, check the platform’s rules and ask your insurer directly whether any part of your coverage applies in Mexico. Our guide to Mexican auto insurance covers the basics.

Taxes: Deducting Miles and Insurance

Rideshare drivers are generally treated as self-employed, and car costs are the biggest deduction most of them claim. A tax professional can tell you which method suits your situation.

Two methods

The IRS says you can generally use either the standard mileage rate or actual expenses. Under the actual expense method, insurance is one of the listed costs, along with gas, repairs, tires, registration and depreciation, prorated for business use. Under the standard mileage method, the IRS names parking fees and tolls as separately deductible; insurance is not listed as a separate add-on, since the rate is designed to cover vehicle operating costs.

The 2026 mileage rate changed mid-year

This catches people out. The IRS set the 2026 business rate at 72.5 cents per mile for January 1 through June 30, then raised it to 76 cents per mile for July 1 through December 31. Your mileage log needs to show which miles fall in which half of the year.

Worked example 2: A part-time driver in Chula Vista

This is a hypothetical example with round numbers.

Daniel drives Lyft about 15 hours a week from his home in Chula Vista, mostly evenings and weekends. His personal full-coverage premium is $2,000 a year before any rideshare coverage.

Insurance cost. If his insurer’s endorsement works like State Farm’s description of adding about 15 to 20 percent, Daniel would pay roughly $300 to $400 more a year. At Mercury’s advertised floor of 90 cents a day, the add-on would be about $329 a year. Either way, the annual cost is less than a single $2,500 platform deductible.

Mileage deduction. Daniel logs 4,000 rideshare miles from January to June and 4,000 from July to December.

4,000 × $0.725 = $2,900
4,000 × $0.76 = $3,040
Total standard mileage deduction: $5,940

Other local costs. Chula Vista is an incorporated city, so under Lyft’s guidance he would need a business tax certificate from Chula Vista, plus an annual inspection that Lyft says typically runs $20 to $30 at a third-party site.

The takeaway: for a part-timer, the endorsement is a modest line item next to the mileage deduction, while one uninsured Period 1 crash could wipe out months of net earnings.

Step by Step: Setting Up Coverage Before Your First Trip

Doing this in the right order avoids a coverage gap on day one.

Call your current insurer first. State Farm and Progressive both say you should tell your insurer before you start driving for a rideshare service. Ask whether it offers a rideshare endorsement in California and what it costs.
Ask exactly which periods it covers. Get a clear answer on Period 1 liability, Period 1 comprehensive and collision, and whether anything applies in Periods 2 and 3.
Ask about the deductible gap. Find out whether the endorsement reimburses the difference between the $2,500 platform deductible and your own.
Keep comprehensive and collision if you want trip-time car coverage. Uber and Lyft only provide contingent physical damage coverage if you carry these yourself.
Review your UM/UIM limits. With the platform’s UM/UIM now $60,000 per person, your own limits matter more.
Get competing quotes. If your insurer doesn’t offer an endorsement, compare companies that do, including the full premium, not just the add-on.
Save proof of both policies. The CPUC requires drivers to provide proof of both personal and commercial insurance after an accident. Uber and Lyft certificates are available in their apps.
Handle local paperwork. Get your business tax certificate if your city requires one, and complete the vehicle inspection.

Common Mistakes and Money-Saving Tips

Mistakes that cost drivers money

Not telling your insurer. Beyond a denied claim, you risk cancellation or non-renewal.
Dropping to liability-only. It lowers your premium but eliminates the platform’s contingent collision coverage during trips.
Assuming the app covers you while waiting. Uber and Lyft cover other people in Period 1, not your car.
Relying on outdated guides. Several well-known pages still show pre-2026 UM/UIM figures or the old 15/30/5 minimums.
Forgetting delivery apps. If you also deliver for Uber Eats or DoorDash, ask whether your endorsement covers delivery. Mercury, for example, says its rideshare coverage can extend to delivery but that coverage varies by state.
Driving black car on a personal policy. Uber Black and Lyft Black generally require commercial livery coverage.

Ways drivers often keep costs down

Compare the total premium from several companies, not just the endorsement price.
Ask whether bundling home or renters insurance changes the math.
Consider a higher personal deductible only if you have the cash to cover it, and weigh that against the deductible gap feature.
Keep a clean driving record; tickets and at-fault claims hit rideshare drivers harder because they drive more.
Track every business mile from the first trip, split by the IRS rate periods.

Frequently Asked Questions

Do I need rideshare insurance to drive for Uber in San Diego?

California law doesn’t force you to buy a rideshare endorsement, because Uber and Lyft can satisfy the state’s TNC insurance requirements. But your personal policy generally won’t cover you once the app is on, and the platforms provide no coverage for your own car while you wait for requests. Many drivers add an endorsement to avoid paying Period 1 damage themselves.

Does my personal car insurance cover me while driving for Uber or Lyft in California?

Generally not. Lyft’s California page states that under AB 2293, your personal policy, including comprehensive and collision, won’t cover rideshare driving unless you’ve purchased rideshare coverage. The CPUC also requires platforms to tell drivers this. Some insurers may cancel or non-renew a policy if they discover undisclosed rideshare driving.

How much does a rideshare endorsement cost in California?

It depends on the insurer and your base premium. State Farm says its coverage generally adds 15 to 20 percent to your premium. Mercury says its coverage can cost as little as 90 cents a day. Insurify’s figures of $125 to $263 per month describe the whole policy for a rideshare driver, not the add-on alone.

What is the Uber deductible in California?

Uber says its contingent comprehensive and collision coverage, which applies after you accept a trip, carries a $2,500 deductible and pays up to your car’s actual cash value. It only applies if you carry comprehensive and collision on your personal policy. Uber notes the deductible may be $1,000 for vehicles obtained through its Vehicle Marketplace.

What did SB 371 change for Uber and Lyft insurance?

SB 371 lowered the uninsured/underinsured motorist coverage that rideshare companies must provide during trips from $1 million to $60,000 per person and $300,000 per incident, effective January 1, 2026. It also made that coverage the platform’s sole obligation. The $1 million liability requirement for Periods 2 and 3 did not change.

Is rideshare insurance the same as commercial auto insurance?

No. A rideshare endorsement extends your personal policy to cover gaps around the platform’s commercial coverage. A commercial auto policy is a separate business policy, typically more expensive. Drivers offering black car, limousine or livery services, such as Uber Black, generally need commercial or livery coverage, which some personal insurers don’t offer.

Does rideshare insurance cover Uber Eats or DoorDash deliveries?

Sometimes. Coverage for delivery varies by insurer and state. Mercury, for example, says its rideshare coverage can extend to delivery services like Uber Eats and DoorDash, but exact coverage varies by state. If you deliver as well as drive passengers, ask your insurer to confirm delivery use in writing.

Can I deduct rideshare insurance on my taxes?

If you use the IRS actual expense method, insurance is one of the costs you can prorate for business use. If you use the standard mileage rate, which was 72.5 cents per mile for January to June 2026 and 76 cents from July, the IRS lists only parking and tolls as separate add-ons. A tax professional can help you choose.

Can military members drive for Lyft in San Diego with out-of-state plates?

Lyft says active duty military applicants and their dependents may use an out-of-state driver’s license and vehicle documents. Other California drivers need a California license and plates. Your insurer still needs to know about rideshare use, and Insurify reports that USAA offers a rideshare endorsement for eligible members.

What happens if I don’t tell my insurer I drive for Uber?

You risk a denied claim for any crash while the app is on, and your insurer may cancel or non-renew your policy. Progressive says an insurer could do either if it discovers undisclosed rideshare driving. Telling your insurer before your first trip, and adding coverage if needed, avoids both problems.

Conclusion

Rideshare insurance in San Diego comes down to one question: what happens to you and your car in each app period? The platforms cover other people well once you accept a trip, but they leave your own car exposed while you wait, attach a $2,500 deductible when they do pay, and, since January 2026, carry far less uninsured motorist coverage than before.

Your next step is simple. Call your current insurer, ask whether it offers a rideshare endorsement in California, and ask exactly which periods it covers and whether it reimburses the platform deductible. Then get at least two competing quotes. A licensed insurance agent can tell you which option fits how and how much you drive.

Sources

California Legislature via LegiScan, “SB 371 Transportation network companies: insurance coverage (Chaptered, Chapter 314, Statutes of 2025),” https://legiscan.com/CA/text/SB371/id/3272044, accessed September 21, 2026.
Governor of California, “Governor Newsom signs landmark worker legislation…” (AB 1340), https://www.gov.ca.gov/2025/10/03/governor-newsom-signs-landmark-worker-legislation-in-stark-contrast-to-trumps-assault-on-workers-and-government-shutdown/, accessed September 21, 2026.
California Public Utilities Commission, “Insurance Requirements for TNCs,” https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements, accessed September 21, 2026.
California Department of Motor Vehicles, “Insurance Requirements,” https://www.dmv.ca.gov/portal/insurance-requirements, accessed September 21, 2026.
California Department of Insurance, “Insurance and Transportation Network Companies,” https://www.insurance.ca.gov/01-consumers/105-type/82-TNC-Ridesharing, accessed September 21, 2026.
California Department of Insurance, “New Allstate coverage approved for Uber and Lyft drivers” (March 3, 2016), https://www.insurance.ca.gov/0400-news/0100-press-releases/archives/release022-16.cfm, accessed September 21, 2026.
Justia (California Business and Professions Code §7455, Proposition 22), “Loss and Liability Protection,” https://law.justia.com/codes/california/code-bpc/division-3/chapter-10-5/article-4/section-7455/, accessed September 21, 2026.
Uber, “Insurance for Rideshare Drivers,” https://www.uber.com/us/en/drive/insurance/, accessed September 21, 2026.
Uber Newsroom, “Reforming Insurance in California, and the Future of Rideshare in the State,” https://www.uber.com/us/en/newsroom/california-insurance-reform/, accessed September 21, 2026.
Uber, “Driving at San Diego International Airport (SAN),” https://www.uber.com/global/en/r/airports/san/driver-information/, accessed September 21, 2026.
Lyft, “Insurance resources for Lyft drivers,” https://www.lyft.com/driver/insurance, accessed September 21, 2026.
Lyft Help, “California Driver Information,” https://help.lyft.com/hc/en-us/all/articles/115013080708-California-Driver-Information, accessed September 21, 2026.
State Farm, “What is Rideshare Coverage?,” https://www.statefarm.com/insurance/auto/coverage-options/rideshare-coverage, accessed September 21, 2026.
Mercury Insurance, “Rideshare Insurance for Uber & Lyft,” https://www.mercuryinsurance.com/insurance/auto/coverage/rideshare-insurance.html, accessed September 21, 2026.
Progressive, “Rideshare Insurance,” https://www.progressive.com/auto/insurance-coverages/rideshare/, accessed September 21, 2026.
Insurify, “Rideshare Insurance in California: Costs, Requirements, and Best Companies (2026),” https://insurify.com/car-insurance/california/rideshare-insurance/, accessed September 21, 2026.
ValuePenguin, “California Rideshare Insurance for Uber and Lyft Drivers,” https://www.valuepenguin.com/rideshare-car-insurance-california, accessed September 21, 2026.
Internal Revenue Service, “Standard mileage rates,” https://www.irs.gov/tax-professionals/standard-mileage-rates, accessed September 21, 2026.
Internal Revenue Service, “IRS sets 2026 business standard mileage rate at 72.5 cents per mile, up 2.5 cents,” https://www.irs.gov/newsroom/irs-sets-2026-business-standard-mileage-rate-at-725-cents-per-mile-up-25-cents, accessed September 21, 2026.
Internal Revenue Service, “Topic no. 510, Business use of car,” https://www.irs.gov/taxtopics/tc510, accessed September 21, 2026.
City of San Diego, Office of the City Treasurer, “Apply for a Business Tax Certificate,” https://www.sandiego.gov/treasurer/taxesfees/btax/btaxhow, accessed September 21, 2026.

Disclaimer

Disclaimer: This article is for general information and educational purposes only. It is based on publicly available information believed to be accurate at the time of writing, and rates, rules, products and eligibility requirements change frequently. It is not financial, insurance, tax or legal advice, and no advisor-client relationship is created by reading it. We are not licensed financial advisors, insurance agents, tax preparers or attorneys, and nothing here is a recommendation to buy, sell or hold any product, policy or security. Your own situation is different from the examples used here, so please consult a licensed financial advisor, insurance agent, tax professional or attorney before making any decision. We make no warranty as to the accuracy or completeness of the information and accept no liability for any loss arising from its use. Some links may be to third-party sites we do not control.

Internal Link Ideas

California Minimum Car Insurance Requirements Explained, and Why They’re Not Enough (anchor: “California’s minimum liability limits”)
Car Insurance in San Diego (2026): Average Rates by ZIP Code and How to Pay Less (anchor: “your ZIP code”)
Car Insurance for Military Members in San Diego: USAA, GEICO and Other Options Compared (anchor: “Military drivers”)
Driving to Mexico from San Diego: Mexican Auto Insurance Guide for Tijuana and Baja Trips (anchor: “guide to Mexican auto insurance”)
Best Health Insurance for Self-Employed and Gig Workers in California (anchor: “Prop 22 benefits”)

External Authoritative Links

California Public Utilities Commission, TNC insurance requirements: https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements
California Department of Insurance, Insurance and Transportation Network Companies: https://www.insurance.ca.gov/01-consumers/105-type/82-TNC-Ridesharing
IRS, Standard mileage rates: https://www.irs.gov/tax-professionals/standard-mileage-rates