Compare Uber car insurance in 2021 | finder.com

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Compare 2021 Uber car insurance

Consider full coverage car insurance for Uber drivers to cover what Uber won't.

Uber gives you enough insurance to fulfill state requirements. But you might find yourself with less coverage than you need when waiting for a passenger. Consider rideshare coverage so that every aspect of your business is protected.

What Uber car insurance do drivers get?

Uber partners with Allstate, Farmers, James River Insurance and Progressive to provide some level of coverage for drivers. When the Uber app is turned on, you may have coverage while waiting, picking up a passenger or taking a passenger to their destination. Here’s the coverage when actively driving for Uber:

Car insurance covered for Uber drivers

What Uber coversWaiting for passengerDuring pickup and tripOff the clock
LiabilityMinimum: $50,000 per person, $100,000 per accidentAt least a minimum of $1 million, or the state requirementNot covered
Underinsured motoristNot coveredAt least a minimum of $1 million, or the state requirementNot covered
CollisionNot coveredUp to actual value of car with a $1,000 deductible if you have this coverage on your personal policyNot covered
ComprehensiveNot coveredUp to actual value of car with a $1,000 deductible if you have this coverage on your personal policyNot covered

What kind of car insurance do I need to drive for Uber?

Although Uber provides some coverage for its drivers, you may not have adequate protection during the waiting period. Uber provides only liability coverage while waiting for a passenger and matches your existing collision and comprehensive coverage during a ride. Once you turn off the Uber app for the day and use your vehicle for any other purpose, you won’t be covered by the company for accidents. This is when your personal policy kicks in.

Look for this coverage on your personal auto policy:

  • Rideshare coverage. A rideshare policy works like an extension of your personal auto policy. Because you’re using your vehicle for business, your personal policy may not cover you during an accident while on the job. Rideshare coverage fills in the missing gaps between your personal policy and Uber’s coverage. If you don’t have it and get into an accident while waiting for a passenger, for example, your personal auto claim might be denied, and Uber won’t be able to help you. The average cost for adding rideshare insurance coverage is between $5 and $20 per month.
  • Property damage liability. Required in most states, property damage liability covers damage to other cars or property in an at-fault accident when you’re not on the clock.
  • Bodily injury liability. Required in most states, bodily injury liability covers injury to other drivers or passengers in an at-fault accident when you’re not on the clock.
  • Underinsured motorist. Required in many states, this coverage helps pay for damage caused by a driver without enough insurance when you’re waiting for a passenger or off the clock.
  • Personal injury protection. Required in many states, PIP helps pay for medical bills after an accident regardless of fault, whether you’re on a trip or not. Because you’ll often be driving with multiple passengers, Uber drivers especially should consider getting this coverage.
  • Collision. Required for a car loan or lease, collision covers damage to your car in an at-fault accident. Uber will match your collision coverage up to the value of your car while on a trip.
  • Comprehensive. Required for a car loan or lease, comprehensive covers damage to your car for almost anything other than car accidents, such as weather damage. Uber will match your comprehensive coverage up to the value of your car while on a trip.

Uber car insurance requirements

The only insurance Uber requires drivers get is the legally mandated state minimum required liability coverage. In most states, that includes liability, underinsured motorist and personal injury coverage.

How to get car insurance as an Uber driver

  1. Make sure you have minimum liability coverage. This is required for all drivers in most states.
  2. Consider getting personal comprehensive car insurance or collision coverage so Uber will cover damage to your car if you’re in an accident while driving for Uber.
  3. Compare policies by benefits and costs, including providers with rideshare coverage.
  4. Get quotes from your top picks and choose the best provider.
  5. Sign up and hit the road.

Get car insurance quotes for Uber drivers

Name Product Rideshare coverage New car protection Roadside assistance Available states
Progressive
Progressive
Optional
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
Allstate
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Liberty Mutual
Optional
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
USAA
USAA
Optional
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Farmers
Farmers
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

UberBlack, UberSUV or UberTAXI car insurance

Many of Uber’s more elite rideshare programs require you to have a commercial license and insurance and must meet each individual state’s requirements for commercial drivers.

As an example, the state of Georgia requires limousine drivers to have $300,000 for bodily injuries for up to 12 passengers. Each person has a maximum of $100,000 of bodily injury coverage. Georgia also requires $50,000 for property damage.

However, requirements vary by state. You may also consider additional coverage that goes above state requirements.

Uber Eats car insurance

Uber Eats’ car insurance is similar to traditional Uber insurance. Uber Eats drivers are covered by supplemental insurance that’s active any time you’re logged into the app either waiting for or delivering an order.

While waiting

When you’re waiting for an Uber Eats order or an Uber rider, you’re covered with liability insurance up to $50,000 per person up to $100,000 total for injuries and $25,000 for property damage.

While driving

Once you’ve picked up a rider or a food delivery, you’re covered with $1 million in liability coverage and contingent comprehensive and collision coverage with a $1,000 deductible.

Uber drivers are also covered for bodily injuries caused by an uninsured or underinsured motorist up to $1 million when they’re on their way to pick up a rider or have a rider in the car — at the time of writing, this doesn’t extend to Uber Eats drivers.

Exceptions

Whether you’re an Uber or an Uber Eats driver, coverage levels vary by state. In all states except New York, coverage is at least the amounts mentioned above. In New York, Uber follows local laws and provides commercial insurance when required. In most states, Uber offers at least the state minimum required liability coverage.

How do I make a claim with Uber after an accident?

Notify both Uber and your insurance company after an accident. Follow these steps to make a claim:

  1. Get to a safe place and call 911 if anyone needs medical care.
  2. Exchange contact and insurance information with the other driver and any passengers.
  3. Notify your insurance company that you were in an accident while driving for Uber and follow any instructions.
  4. Use the Uber app to file accident information. Go to Trip Issues and Fare Adjustments and select I was in an accident.
  5. Select the correct trip on which the accident occurred and enter accident details.
  6. An Uber team member will contact you for more information. The claims process could take up to several weeks for settlement and car repairs.
  7. Once you file a claim with Uber, its insurance partners investigate who’s at fault in the accident.
  8. In some cases, you may need to undergo another vehicle inspection before being reactivated as a driver.

Be aware that after an accident, the company deactivates you as a driver, meaning you’ll have no access to the platform and won’t be able to drive for Uber. If Uber is a main source of income for you, consider other side hustles to get additional income.

Bottom line

Uber offers some coverage to meet state requirements and protect drivers while transporting a passenger. However, a rideshare policy from your insurance company may offer wider protection, especially during the waiting phase of the ride.

Compare car insurance providers that give the extra protection you need for ridesharing.

Frequently asked questions about Uber insurance

Learn more about ridesharing insurance

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