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Compare car insurance for Uber drivers in 2020
Consider adding full protection for ridesharing above Uber’s provided coverage.
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's in this guide?
- Does Uber provide drivers with insurance?
- What kind of car insurance do I need to drive for Uber?
- Compare companies that offer rideshare insurance
- How much does Uber insurance cost?
- Uber vs Uber Eats car insurance
- How much coverage do I need for UberBlack, UberSUV or UberTAXI?
- Can I drive for Uber with a rental car?
- Steps to get insured as an Uber driver
- How do I make a claim after an accident while driving for Uber?
- What else should I know about Uber insurance?
- Bottom line
- Frequently asked questions about Uber insurance
Does Uber provide drivers with insurance?
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 provided:
Property damage liability.Covers at least $25,000 per accident or the state minimum while waiting for passengers, and at least $1 million during the ride.
Bodily injury liability.Pays at least $50,000 per person, $100,000 per accident or the state minimum during the waiting period. Covers at least $1 million during the ride.
Uninsured/underinsured motorist.Protects drivers with at least $1 million per accident during the ride.
Collision.Provided only when you have collision on your personal auto policy, up to the cash value of your car. Includes a $1,000 deductible.
Comprehensive.Provided only when you have comprehensive on your personal insurance, up to the cash value of your car. Also includes a $1,000 deductible.
Uber provides only liability coverage while waiting for a passenger. 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.
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 or with the add-ons you normally prefer.
Consider getting a rideshare policy from an insurance company that offers it. 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.
Uber insurance coverage you should have
|Coverage type||Trip status||Covered by Uber||Add to your personal policy|
|Liability||Waiting for passenger||Minimum: $50,000 per person, $100,000 per accident||Up to state requirements|
|Collision, comprehensive and underinsured||Waiting for passenger||Not covered||Recommended|
|Liability||During pickup and trip||At least a minimum of $1 million, or the state requirement||Not needed|
|Underinsured motorist||During pickup and trip||At least a minimum of $1 million, or the state requirement||Not needed|
|Collision — must have on personal auto policy||During pickup and trip||Up to actual value of car; $1,000 deductible||Recommended|
|Comprehensive — must have on personal auto policy||During pickup and trip||Up to actual value of car; $1,000 deductible||Recommended|
|Liability||Off the clock||Not covered||Recommended|
Compare companies that offer rideshare insurance
How much does Uber insurance cost?
The average cost for getting rideshare insurance coverage is between $5 and $20 per month. However, Uber provides some coverage for drivers free of charge while using the company’s platform. Because of this, you could opt for add-ons to fill in coverage gaps, saving money in the process.
Uber vs 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.
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.
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.
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.
How much coverage do I need for UberBlack, UberSUV or UberTAXI?
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.
How does Uber compare to Lyft car insurance?
When your app is on, you’re covered by both companies. Both Uber and Lyft include liability coverage up to $50,000 per person and $100,000 per accident while waiting for a passenger and up to $1 million liability and underinsured motorist up to your state’s minimums while picking up and driving a passenger. Both also cover collision and comprehensive if you have it on your personal policy with a $2,500 deductible for Lyft and $1,000 for Uber.
Can I drive for Uber with a rental car?
If you don’t own a car, you can still drive for Uber using one of its rental partners. The company partners with Hertz, Getaround and Fair for daily and weekly car rentals. Weekly rentals cost around $200 per week, or sometimes less for longer rentals.
Most partners include insurance with the rental, unless you rent long term from Fair. In this case, you can choose an add-on Fair policy or go through an independent provider.
For extra protection on a rental, you could purchase a nonowner policy from an independent insurer. This covers you for liability with an option to add medical payments and uninsured/underinsured motorist coverage.
Notify your insurance company that you’re using the car for business to avoid any conflicts. You can’t drive for Uber using rental companies not approved as an Uber partner.
Can I driver for Uber with someone else’s car?
Yes, the company allows you to drive a car belonging to someone else, such as a friend’s or family member’s car. However, your name must be listed on the vehicle’s insurance policy.
Also, notify the company about your business use of this vehicle to ensure there are no problems if you have to make a claim.
Steps to get insured as an Uber driver
- Make sure you have minimum liability coverage. This is required for all drivers in most states.
- Consider getting personal comprehensive car insurance or collision coverage. You must have these in order for Uber to cover damages to your car in the event an accident that occurs while driving for Uber.
- Compare policies by benefits and costs, including providers with rideshare coverage.
- Get quotes from your top picks and choose the best provider.
- Sign up and hit the road.
How do I make a claim after an accident while driving for Uber?
Notify both Uber and your insurance company after an accident. Follow these steps to make a claim:
- Take care of immediate situations, such as getting medical care or clearing accident debris. Get the other party’s insurance information.
- Notify your insurance company that you were in an accident while driving for Uber and follow any instructions.
- Use the Uber app to file accident information. Go to Trip Issues and Fare Adjustments and select I was in an accident.
- Select the correct trip on which the accident occurred and enter accident details.
- An Uber team member will contact you for more information.
Once you file a claim with Uber, its insurance partners investigate who’s at fault in the accident. The company deactivates you as a driver, meaning you’ll have no access to the platform.
The claims process could take up to several weeks for settlement and car repairs. You may need to undergo another vehicle inspection before being reactivated as a driver. If Uber is a main source of income for you, consider ways to minimize the impact of future accidents, such as an emergency savings account.
What else should I know about Uber insurance?
You can use the Uber earnings calculator to find out which policies will suit your budget best. The calculator can help you compare earnings next to things like the costs of insurance premiums, car maintenance Uber financing programs and more.
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
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