State-by-State Rideshare Insurance Minimums: The 2026 Master Table
State law sets the floor for rideshare coverage, and the floor varies more than drivers expect. This master table compiles 2026 minimums for the company-provided Period 1 layer and notes the states that force broader protection. Verify against your state’s current statute before relying on it — legislatures move yearly.
The TNC Liability Framework
Most states adopted a version of the model Transportation Network Company statute: Period 1 contingent liability at 50/100/25, Periods 2–3 at 1,000,000 primary. Deviations cluster in a few directions: primary-versus-contingent Period 1, uninsured motorist requirements, and deductible caps on company collision programs.
| State | Period 1 liability | UM/UIM required | Notes |
|---|---|---|---|
| California | 200/600/60 contingent? no — 50/100/30 primary since AB2293 | UM required in Periods 2-3 | Deductible caps on company collision |
| Texas | 50/100/25 contingent | No | Cities may add rules |
| New York | Commercial-grade; TLC rules govern NYC | Yes | NYC is a different regime entirely |
| Florida | 50/100/25 contingent; no-fault pip | No UM mandate | PIP interplay confuses claims |
| Illinois | 50/100/25 contingent | Yes for Periods 2-3 | Clean model-statute state |
Full per-state files — with statute citations and quirks — live in the state rules library. City-level overlays like airport permits and TLC plates are covered separately in the city files.
What Minimums Mean for Your Endorsement
Your rideshare endorsement must at least match state minimums but usually should exceed them — bodily injury claims against drivers with thin limits are the classic asset-destroyer. Pricing for higher limits by carrier is in the insurer files; the coverage mechanics behind UM/UIM are in the coverage glossary.
Do company limits stack with mine?
Liability stacks in Periods 2–3 in effect; Period 1 is contingent, not stacked.
Which state’s rules apply?
Where the accident occurs, generally — not your home state.
Does the table cover delivery?
Delivery minimums follow the same TNC statutes in most states; exceptions noted in state files.
Related reading: State rules library · City files · Coverage glossary
