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Uncovering the Intricacies of Affordable Livery Insurance

Whether you’re in Arizona, Texas, or anywhere else in the United States, as an owner or operator of a livery service, obtaining suitable insurance is of paramount importance. The risks associated with providing for-hire services are substantial, and a comprehensive livery insurance policy is a non-negotiable necessity.

Understanding Livery Insurance: The Basics

Let’s start by clarifying some important terms. What does livery mean in insurance? Livery insurance, also known as for-hire livery insurance, pertains to commercial auto insurance coverage for vehicles used by businesses to earn revenue by transporting people.



Cheap livery insurance

While you might think the definition of commercial livery aligns with taxi services, there’s a significant difference. Taxi services tend to operate on-the-spot, providing immediate transportation to passengers who hail them down. Conversely, livery services offer pre-scheduled transportation or operate along a predetermined route. This distinction plays a critical role in determining the kind of insurance coverage required. For instance, hotels offering shuttle services wouldn’t necessarily need for-hire insurance.

Spotting a Deal: The Cheapest Form of Auto Insurance

When it comes to auto insurance, the cost varies significantly based on several factors, such as your vehicle use, state, driving history, and coverage needs. To cut costs and find the cheapest form of auto insurance, maintaining an excellent driving record is crucial. In many cases, insurers offer discounts for good driving behavior, which could significantly reduce your livery insurance cost. 

At we compare rates from numerous top-tier livery insurance companies such as Auto-Owners, Kemper, Infinity Mutual of Enumclaw, and Progressive, to ensure you get the most affordable livery insurance quote.

Going the Distance: Types of Livery Insurance

There are several types of for-hire insurance available, catering to different services within the transportation industry. Understanding these variations can help you choose the most appropriate coverage for your business.

Taxi Insurance

Taxis transport passengers to their chosen destinations and are particularly popular in large cities and at airports. Unlike livery services, taxis don’t offer pre-arranged transportation. A comprehensive taxi insurance policy should cover theft, vandalism, fire, and damage from accidents where the company’s driver is at fault.

Black Car/Limousine Insurance

Premium services like black cars and limousines offer pre-arranged transportation, focusing on luxury and specificity in pick-up and drop-off locations. Arizona limousine insurance, for example, should encompass a wide range of potential issues, including accident coverage and business interruption coverage.

Rideshare Insurance

For drivers working with Transportation Network Companies (TNCs) like Uber or Lyft, rideshare insurance in Arizona and other states provides protection beyond basic auto insurance. Rideshare insurance covers drivers not only when they have a passenger but also when they are available for hire.

Crunching the Numbers: The Cost of Livery Insurance

Many factors determine livery insurance costs, such as the location, vehicle use, driving record, and level of coverage required. The cost typically falls between $4,500 and $9,000 per year, which might seem steep, but remember that for-hire drivers face larger risks. The elevated costs reflect the higher risk of accidents, considering that livery vehicle drivers spend more time on the road, often in densely populated areas, and almost always carry passengers.

At, we partner with various cheap livery insurance companies, ensuring a stable market for coverage and rates while offering premiums below many other major carriers

Going Above and Beyond Taxi Insurance vs. Auto Insurance

A well-rounded business strategy should include both auto and taxi insurance. Auto insurance typically covers claims for specific accidents, whereas taxi insurance encompasses broader business practices, including theft, vandalism, and damage from at-fault accidents. A rider for business interruption coverage can compensate the business if it’s unable to operate taxis.

Eligibility for Taxi Insurance

To be eligible for taxi insurance, companies must operate fare-based vehicles for public use, maintain detailed maintenance logs, and ensure proper upkeep of all company vehicles. If your business has a history of filing numerous insurance claims, you might face higher premiums or even denial of coverage.

Driver Requirements

All drivers employed by your company must possess a valid driver’s license and have at least two years of US driving experience. They must be aged between 25 and 65 and have no physical conditions that could impact their ability to drive safely. In certain cases, drivers over 65 can be covered if they pass a medical exam. However, drivers with a certain number of infractions or convictions cannot be covered.

Coverage Amount

Before purchasing taxi insurance, it’s important to check your state’s minimum coverage requirements. These may vary depending on the number of passengers each vehicle can carry and its weight.


Some states allow taxi companies to self-insure by making a cash deposit or purchasing a surety bond. You would need to request a certificate of self-insurance from the DMV. Certain requirements regarding fleet size or amount of coverage may need to be met for eligibility.

Free Online Insurance Quote

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