Can You Use a Private Vehicle to Earn Money by Providing Ride-Sharing Services?

Ride-sharing has become very popular. This includes sharing a vehicle along with co-workers while commuting to work and sharing a vehicle with another person who pays for the service. Even if you are not being paid, such as when driving a carpool to work, you may need to adjust your auto insurance.

If you start regularly driving passengers around, this is a change in the use of a private vehicle from personal use to commercial use. Before you start taking passengers onboard in your vehicle, consult with your agent at Schaller & Thomas Family Insurance serving Peoria, AZ and the surrounding area.

Requirements by Commercial Ride-Sharing Services

The online companies that provide commercial ride-hailing and ride-sharing services such as Uber, Lyft, and others, have specific requirements for the minimum levels of auto insurance that their drivers are required to carry. It is a fairly straight forward process to find auto insurance that meets these requirements. However, the basic minimums for auto insurance may not be adequate for your needs depending on the type of vehicle you own and how valuable it is.

Discuss your auto insurance needs and inform your agent about your desire to use a personal vehicle to earn money offering ride-sharing services.

Mixed-Use of a Vehicle

A vehicle may be used for more than one purpose by more than one driver. The user may be full-time or part-time and may change. Talk over all these details with your agent to make sure your auto insurance is adequate. Your agent will explain the policy options that provide protection for your specific needs.

Be sure to discuss coverage for casual drivers versus when another driver must be listed on the policy as an authorized driver.


There are millions of drivers that are making extra money by participating in ride-sharing. If you are driving a carpool, sharing your vehicle with others, and/or getting paid for commercial ride-sharing service you need different auto insurance than when you are solely driving the vehicle for personal use.

Contact your agent at Schaller & Thomas Family Insurance in Peoria, AZ by calling 623-580-8688 or by using the convenient online form to request a quote and be able to compare rates.