Five states have enacted legislation requiring rideshare drivers to carry enhanced auto insurance coverage that bridges the gap between personal policies and commercial protections. The laws take effect in July 2026.
Rideshare companies are negotiating with insurers to offer bundled policies at group rates, which could offset some of the additional cost burden on drivers. Industry experts estimate monthly premiums will rise by $30 to $60 per driver.
The legislation was prompted by a series of high-profile accidents involving underinsured rideshare vehicles that left injured parties with inadequate compensation.
