Field guide
Rideshare Insurance in Florida: Cost, Requirements (2026)
Rideshare insurance in Florida costs $10-30/month as an endorsement. F.S. 627.748 rules, the Period 1 gap, and hours of work to pay it - free calculator.
The short answer
Florida statute 627.748 requires $50,000/$100,000/$25,000 plus PIP while you wait for a request and $1 million on every trip with a rider. A rideshare endorsement on your personal policy costs about $10-30 per month - roughly 1 to 2 hours of work per month at $25 per hour - and closes the gap your personal policy leaves the moment the app is on.
What does rideshare insurance cost in Florida?
National data: an endorsement adds $10-30 per month on average (Compare.com), a full rideshare policy averages about $154 per month, and State Farm-style carriers quote 15-20% above your base premium. Florida premiums start from a higher base than most states, so get a Florida-specific quote - but budget $15-40 per month as an endorsement for a clean record.
Florida rideshare insurance requirements
Under F.S. 627.748, coverage in three periods: app off - your personal policy (Florida minimum is $10,000 PIP and $10,000 property damage liability). App on, waiting - $50,000/$100,000/$25,000 primary liability, PIP, and uninsured/underinsured motorist coverage. Trip with rider - $1 million primary liability, limousine-level PIP, and UM/UIM. Uber or Lyft carries the last two; you carry the first.
The Period 1 coverage gap
Period 1 is app on, no request: $50,000/$100,000/$25,000 applies, but your own collision and comprehensive still do not unless your policy recognizes rideshare driving. Florida law explicitly does not require your personal insurer to pay while you are logged on - which is exactly why an endorsement exists. Without one, damage to your car in a Period 1 crash is your problem.
Does your personal policy cover Uber in Florida?
Only when the app is off. Section 627.748(2) says the law does not require a personal auto policy to provide coverage while the driver is logged onto the TNC network. Many Florida carriers also exclude commercial use entirely. Tell your insurer you drive rideshare - the 26% of drivers who hide it risk a denied claim on top of the coverage gap.
Is rideshare insurance tax deductible?
Yes - for drivers it is a business expense on Schedule C. Deduct the share of your premium that covers the rideshare periods (most drivers deduct the full endorsement amount; the mixed-use portion of a base policy is prorated). At the 22% bracket, a $360 annual endorsement returns about $79 when you file, plus the miles and fees.
Frequently asked questions
How much does rideshare insurance cost in Florida?
Expect $10-30 per month for an endorsement on a personal policy (national average range) and about $154 per month for a full rideshare policy. Florida quotes run higher than average because base auto premiums are high - get a ZIP-specific quote.
Is a rideshare endorsement required by Florida law?
No law forces you to buy it. F.S. 627.748 requires the coverage in each period, but Uber and Lyft satisfy the $50k/$100k/$25k and $1 million requirements themselves. The endorsement matters because it covers your car in Period 1 and fills deductibles.
Does the $1 million Uber policy apply in Florida?
Yes, during a prearranged ride: at least $1 million primary liability plus limousine-level PIP and UM/UIM while a rider is in the vehicle. Before the ride is accepted, only the $50,000/$100,000/$25,000 limit applies.
Can I claim rideshare insurance on my taxes?
Yes. Drivers deduct the business share on Schedule C; the endorsement is 100% deductible because it exists only because of rideshare driving. Independent contractors also deduct 100% of health insurance premiums separately.
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