There are several differences between personal, commercial, and ride-sharing car insurance. Some of the main differences include:

• Coverage: Personal car insurance typically provides coverage for damages to your vehicle and injuries sustained by you and your passengers in an accident. Commercial car insurance typically provides coverage for damages to your vehicle and injuries sustained by you and your passengers in an accident, as well as liability coverage for damages to other vehicles and injuries to other parties. Ride-sharing car insurance typically provides coverage for damages to your vehicle and injuries sustained by you and your passengers in an accident, as well as liability coverage for damages to other vehicles and injuries to other parties while the ride-sharing app is on and the driver is available to accept a ride request.
  
  

• Premiums: Premiums for commercial and ride-sharing insurance may be higher than personal insurance due to the increased risk associated with using a vehicle for business or ride-sharing purposes.
  
  

• Eligibility: Personal car insurance is typically available to anyone who owns a privately-owned vehicle. Commercial car insurance may be required for anyone who uses their vehicle for business purposes. Ride-sharing insurance may have specific eligibility requirements, such as being approved as a driver by a ride-sharing service.