[judk]

"Commercial" is only expensive because higher mileage is higher risk. If you aren't doing a lot of miles per year, it won't be more expensive. Lyft's insurer probably has some mileage math worked into the premium. Or Lyft self insures and knows exactly how much mileage they are covering.

[kenrikm]

IIRC from what I've seen Lyft issues an on the spot insurance policy for each individual ride.