My children have used Uber and I certainly understand the role it fills well.
As I understand it, your insurance company’s restrictions should be your concern, not the state’s (in terms of coverage). Higher mileage and constantly carrying unrelated passengers are things that insurance companies should know when arriving at your pricing, and you didn’t indicate that your primary car insurance company is aware of this use of the vehicle.
Living a dozen miles west of NYC, I understand the issue taxi drivers have; they pay 6 figures for a medallion, while Uber/Lyft pay nothing (so may charge less). I don’t know how to level that playing field.
When i talked about insurance at states, i only meant insurance regulations. I have a policy that covers this job. I got it through uber themselves.
They also have access to insurance