Uber and Lyft may be breaking ridership records, but for many drivers, the job isn’t getting any easier. Insurance costs are climbing, car maintenance is expensive, and the return on investment is shrinking, especially when safety risks and complex coverage rules come into play.

Rideshare drivers are involved in fewer fatal crashes per mile than the average driver, according to recent rideshare accident statistics from Uber and Lyft. Yet they still face higher insurance premiums. That disconnect puts even more pressure on drivers’ bottom lines, where margins are already slim.

Insurify data shows how these challenges may vary depending on demographics, such as where a driver lives, what kind of car they use, and even their age. For younger drivers, especially millennials already juggling

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