Does my insurance cover me driving for Via?

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Things to remember...
  • Via is a specialized Transportation Network Company (TNC) that operates in New York City, Washington, D.C., and Chicago
  • Each city has different regulations regarding Via drivers, licenses, vehicles, and insurance
  • New York City requires Via drivers to have a TLC, or Taxi & Limousine Commission license, registration, and “black car” compliant insurance
  • You are more likely to need commercial automobile insurance driving for Via than other ridesharing companies


Via is a transportation network company (TNC) that began in New York City operating during rush hours only. Now the company offers services in specific areas of New York City 24 hours a day.

Via also serves downtown Chicago, and to and from Midway and O’Hare Airports. In Washington, D.C., Via covers most of the city, including Georgetown, Columbia Heights, and Capitol Hill. Make sure you are covered by using our free insurance comparison tool above! 

How does Via operate?

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Via operates differently from some other TNCs or ridesharing companies. Instead of picking up individual rides, drivers follow designated routes that are assigned using advanced technology.

Drivers pick up as many as five passengers along their assigned route, which varies depending on the time of day, efficiency considerations, and passenger and driver needs. Insurance needs vary between Via’s cities of operation.

What insurance do I need to drive for Via in New York City?

All New York City Via drivers must have a TLC or Taxi & Limousine Commission license. Their vehicles must also be licensed and registered with the TLC.

Via vehicles are classified under the For-Hire Vehicle provision of the Taxi & Limousine Commission.

The insurance you will need is a specialized form of commercial or livery conveyance driving insurance. Even if your car is not black, the city calls it a “black car” and livery vehicle.

You must carry liability insurance worth least $100,000 per person, $300,000 per incident or accident, and $200,000 personal injury protection (PIP).

Other Considerations For Via Drivers in New York City

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Via drivers offer group rides picking up at least five passengers. Your vehicle does not have to be a limousine or luxury van, but the company does provide a list of qualified vehicles.

Via also offers leasing options for new drivers. Leased vehicles require additional insurance coverage.

The leasing company, Via, and the city’s TLC must approve your insurance.

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What insurance do I need if I drive for Via in Chicago?

You can drive several different types of car for Via in Chicago if you have a vehicle that is newer than 2010 with leather seats, or 2014 with fabric seats. Via maintains a list of recommended vehicles.

You must provide proof of Illinois state-mandated personal auto insurance listing your name to drive for Via in Chicago. The state of Illinois requires you to have liability insurance for a minimum of $20,000 per person and $40,000 per occurrence, and $15,000 for property damage.

You must also have uninsured motorist insurance for $20,000 per person and $40,000 per accident.

What insurance do I need if I drive for Via in Washington, D.C.?

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In Washington, D.C., Via accepts mid-size sedans, SUVs, and vans that are newer than 2010 with leather seats, or newer than 2014 with fabric seats. The company maintains a recommended vehicle list for prospective D.C. drivers.

All drivers in the District of Columbia must have liability and uninsured motorist insurance.

Liability for property damage must be carried for a minimum of $10,000. Third party liability must be at least $25,000 per person and $50,000 per accident.

The same amounts must be carried per person and accident for uninsured motorist bodily injury. Property damage for uninsured motorists must be at least $5,000 with a $200 deductible.

Depending on the type of car you drive and the Via routes you will cover, you may need to apply for and receive a commercial drivers license. You will need to obtain commercial insurance to drive a car that is classified as a “black car” or limousine.

Commercial Auto Insurance

Some drivers are choosing to drive for Via in select cities because the company charges only 7 percent or potentially less as a commission, as opposed to other services which may withhold 20, 25 and even 30 percent of driver earnings.

The difference in commission percentages and business models may make purchasing commercial auto insurance economically feasible.

Some cities which have had long-standing ride sharing or commuter van services, like Washington, D.C., and Chicago, may have insurance choices for commercial drivers that can be affordable.

If you drive for Via in New York City you will be required to purchase the specialized type of insurance the city’s Taxi & Limousine Commission specifies.

Ridesharing Insurance in Chicago

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Via drivers in Chicago have more flexible choices than drivers in New York City and the District of Columbia. Drivers need to provide proof they have Illinois-compliant mandated auto insurance.

If you are driving for Via in the Windy City, you should be aware of the special insurance considerations for people who are driving for ridesharing companies. First, you are an independent driver.

You are responsible for your vehicle and any injuries you might suffer in case of an accident.

The good news is, many insurance companies have developed add-on products and policies that can serve drivers for services like Via. The regulations for how insurance companies offer this type of insurance are complex.

When you drive for Via, you are considered a Transportation Network Company (TNC) driver.

In Chicago, you should look for TNC-friendly insurance companies that provide good liability, personal injury, and uninsured motorist coverage so you can safely drive for Via with peace of mind for yourself and your passengers.

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