Rideshare companies like Uber and Lyft offer flexible earning opportunities, but drivers must meet specific legal and company standards before hitting the road in Missouri. Whether you’re thinking of signing up or are already working for a rideshare service, it’s important to understand the rules that apply to both your vehicle and your qualifications as a driver.
Missouri has adopted clear guidelines that cover driver background checks, vehicle inspections, and insurance coverage. Ignoring any of these requirements can result in account deactivation or even legal penalties.
What Are the Driver Requirements in Missouri?
Before you can drive for Uber or Lyft in Missouri, you must meet certain basic qualifications. These are designed to ensure rider safety and maintain public confidence in rideshare platforms.
To drive for either service, you must:
- Be at least 25 years old
- Have a valid driver’s license
- Pass a criminal background check and motor vehicle report
- Maintain valid auto insurance that meets Missouri’s minimum coverage
- Have a smartphone that can run the applicable driver app
Both Uber and Lyft conduct background checks through third-party companies. These checks will look for recent criminal convictions, a history of DUIs, or major driving violations. Even minor issues like frequent speeding tickets can raise red flags.
If you have a clean driving record and no disqualifying criminal history, you’ll likely pass this stage. However, failing to report past convictions or traffic violations can result in delays or denial.
What Vehicles Are Eligible?
Not every car is accepted by Uber or Lyft. Your vehicle must meet company guidelines and state inspection standards. Both services have different tiers, like UberX or Lyft Lux, but all vehicles must pass a basic review before being used to transport passengers.
In Missouri, the general requirements include:
- A model year no older than 15 years (check specific city rules, as they may vary)
- Four doors and the ability to seat at least four passengers (excluding the driver)
- No commercial branding, damage, or salvage titles
- Fully functional seat belts for all passengers
- Pass a vehicle inspection conducted by a licensed mechanic
Lyft typically requires a vehicle inspection before your first ride. Uber may also ask for proof of inspection depending on your location. In cities like St. Louis and Kansas City, vehicle inspections may be mandatory under local ordinances.
Insurance Requirements for Missouri Rideshare Drivers
In Missouri, all rideshare drivers must be covered by rideshare insurance, also known as TNC coverage (Transportation Network Company insurance). While Uber and Lyft both provide some coverage while the app is on, you still need to meet Missouri’s minimum auto insurance standards while it is off.
Here’s how insurance typically breaks down:
- App off: Your personal auto insurance applies
- App on, waiting for a ride: Limited liability coverage from the rideshare company kicks in
- En route to pick up or transporting a passenger: Full commercial liability coverage is provided
You may want to consider purchasing a rideshare endorsement through your personal insurance company. This fills coverage gaps and ensures you’re fully protected in case of an accident.
Contact a Rideshare Accident Attorney if You Need Help After a Crash
Driving for Uber or Lyft can be a good source of income, but it comes with responsibilities. Make sure your vehicle stays in good condition, keep your insurance active, and renew your inspection paperwork when required.
Also, be aware of local rules. Some cities and airports in Missouri have additional requirements, including permits or driver decals. Ignoring these can result in fines or suspension from the platform.
If you’re ever involved in a car accident while working as a rideshare driver, it’s also a good idea to speak with a local attorney. The legal process can get complicated when multiple insurance companies or policies are involved. Contact Dickerson Oxton, LLC for help today.
For more information, contact the Kansas City, MO personal injury law firm of Dickerson Oxton to schedule a free initial consultation.
We serve in Jackson County and its surrounding areas across Missouri:
Dickerson Oxton – Kansas City Office
1100 Main St #2550, Kansas City, MO 64105
(816) 542 2949
Hours: Monday to Thursday,
from 8 am – 5 pm