It’s no secret that two people can book the same Uber or Lyft ride standing side by side and see two completely different prices. A new study from gig economy analytics firm Gridwise (via The Curbivore) suggests that on average, 21% of a fare pays insurance alone. That’s true across Uber and Lyft, per the experts, and in this case we’re talking only about rideshare; deliveries naturally carry lower insurance costs because there aren’t any passengers in the car. The West—historically the priciest spot in the country for rideshare insurance coverage—saw a 20.6% drop in those costs year-over-year thanks to California State Bill 371, which lowered required uninsured and underinsured motorist coverage. This all follows a year in which car insurance nationwide dropped ever so slightly on average, by roughly 6% in 2025.