"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 pr

"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.