San Antonio’s busy rideshare scene (airport runs, downtown, military bases) means many locals drive for Uber or Lyft. Your personal auto policy usually does not cover you while driving for rideshare.
Texas Rideshare Insurance Rules:
- Period 1 (app on, no passenger): You need higher limits than standard minimum — typically 50/100/25.
- Period 2 & 3 (en route or with passenger): Up to $1 million in liability coverage kicks in from the rideshare company.
- Uber and Lyft provide contingent coverage, but gaps exist (especially for your own vehicle damage).
Recommendations:
- Add a rideshare endorsement (available from companies like Mercury, State Farm, Progressive, and Allstate in Texas) to your personal policy.
- This fills coverage gaps and protects your car during all periods.
- Compare costs — the endorsement is often inexpensive compared to the risk.
San Antonio Advice: Talk to a local agent experienced with rideshare drivers. Never rely solely on the company’s policy.
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