I try to prefer .findAny() over .findFirst() because it will perform better in some cases (it will have to resolve whether there are other matches and which one is actually first before it can terminate - more relevant for parallel streams I think. findAny short circuits that) but otherwise I like the first. I'd probably go with some sort of composed predicate for the second, to be able to easily add new criteria. But I could be over engineering.

I mostly just posted because I think not enough people are aware of the reasons to use findAny as a default unless findFirst is needed.

Using early returns and ternary conditional operator changes

private boolean meetsRiderPreferences(Rider rider, Driver driver) {
    if (driver.rating >= 4.5) {
        if (rider.preferences.includes('Premium Driver')) {
              return driver.isPremiumDriver;
        } else {
              return true;
        }
    } else if (driver.rating >= 4.0) {
        return true;
    } else {
        return false;
    }
}

to

private boolean meetsRiderPreferences(Rider rider, Driver driver) {
    if (driver.rating < 4.0) return false;
    if (driver.rating < 4.5) return true;

    return rider.preferences.includes('Premium Driver') ? driver.isPremiumDriver : true;
}

dunno if java has them, but in C# switch expressions could put more of a case focus on the cases

private boolean meetsRiderPreferences(Rider rider, Driver driver) {
    return driver.rating switch {
        < 4.0 => false,
        < 4.5 => true,
        _      => rider.preferences.includes('Premium Driver') ? driver.isPremiumDriver : true,
    };
}

or with a body expression

private boolean meetsRiderPreferences(Rider rider, Driver driver) => driver.rating switch {
    < 4.0 => false,
    < 4.5 => true,
    _      => rider.preferences.includes('Premium Driver') ? driver.isPremiumDriver : true,
};

The conditional has a true result so it can be converted to a simple bool condition as well.

private boolean meetsRiderPreferences(Rider rider, Driver driver) => driver.rating switch {
    < 4.0 => false,
    < 4.5 => true,
    _      => !rider.preferences.includes('Premium Driver') || driver.isPremiumDriver,
};