Uber car insurance: A guide to requirements and policies
How does Uber insurance work?
Rideshare insurance through Uber extends your personal policy while you’re working but haven’t accepted a ride request yet. Once you have accepted a ride, the coverage you carry through Uber takes over. Check out additional details below.
|Period 0||Offline: Your personal car insurance policy|
|Period 1||Online WITHOUT ride request: Rideshare insurance + Uber coverage|
|Period 2||Online WITH ride request but NO rider: Uber coverage|
|Period 3||Online WITH rider in the vehicle: Uber coverage|
Period 0: Whatever policy you use on a daily basis while not driving for Uber.
Period 1: This period begins when you're driving with the app active, but have not yet received a pick-up request. At this point, you would be covered by rideshare insurance plus Uber insurance. Although you have liability coverage through Uber here, it offers no protection for your vehicle. So, with your rideshare coverage, whatever coverage you normally carry on your vehicle is extended while you await a ride request.
Period 2: Period 2 begins when you have the Uber app active, have received a request, and are on the way to pick up your fare. This is when Uber-only coverage first kicks in.
Period 3: This period begins when you have the Uber app open and are currently driving your customer to their destination. During this time, you carry the same coverage as in period 2 — but this coverage now extends to the passenger, too.
Uber's car insurance policy:
|Policy Coverage||What it Covers|
|Liability||This covers damage you incur to other vehicles or pedestrians while en route to pick up a rider. Limit: at least $1,000,000 in damage protection per accident.|
|Uninsured/Uninsured Bodily Injury Coverage||This provides coverage for anyone in your vehicle if the other party is at fault after an accident but either does not have any insurance or does not have enough coverage to pay. Hit and runs are covered. Limit: $1,000,000 total bodily injury coverage.|
|Contingent Collision and Comprehensive||This insurance coverage provides collision and comprehensive to your vehicle — if, and only if, you have coverage already. With this coverage, your deductible is $1,000, regardless of the deductible on your personal insurance policy.|
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Why is Uber insurance necessary?
By Uber car insurance coverage, we’re specifically talking about your rideshare endorsement. Because of the collision and comprehensive coverage gap left when you’re on your way to pick up a fare, you would be on the hook for any physical damage that occurs to your vehicle (unless you are not at fault). If you're driving for Uber in high-traffic areas while you're waiting for a ride, you could easily get into a costly fender bender.
Another important aspect of rideshare insurance is that it prevents your insurance company from dropping you because you're an Uber driver. Not every state or company actually provides rideshare coverage. So, by driving without this coverage you not only risk paying out of pocket for a claim but also being dropped entirely by your insurance company. With a rideshare endorsement, your auto insurance policy and your vehicle are protected.
How to get the best Uber car insurance
Although many companies offer rideshare coverage, availability may vary based on your location.
Rates may differ based on your driving profile and your car insurance company's offerings. Below are some popular (and often affordable!) rideshare insurance companies and states in which coverage is available.
|Insurance Company||States Available|
|GEICO||Alabama, Arizona, Delaware, Maine, Rhode Island, South Carolina, Colorado, Idaho, Minnesota, Maryland, Indiana, New Mexico, Texas, Tennessee, Wisconsin, Connecticut, Georgia, Illinois, Kansas, Maine, Nebraska|
|Allstate||Arizona, Indiana, Kentucky, Wisconsin, DC, Virginia, Texas, Tennessee, Oklahoma, Minnosota, California, Colorado, Georgia, Nevada, South Carolina, Arkansas, Maryland|
|Farmers||Colorado, Illinois, Iowa, Kansas, Michigan, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Utah, Maryland, Arkansas, Alabama, Arizona, California, Georgia, Minnesota|
|State Farm||California, Georgia, Idaho, Louisiana, Mississippi, Oregon, West Virginia, Alabama, Connecticut, Delaware, Indiana, Maine, Minnesota, Nebraska, Oklahoma, Tennessee, Washington|
|Liberty Mutual||Connecticut, Massachusetts, Virginia, Texas, California, Maryland, North Carolina, Pennsylvania, Washington DC|
|USAA||Alabama, Arizona, California, Georgia, Illinois, Iowa, Kansas, Kentucky, Louisiana, Indiana, Massachusetts, Nebraska, North Dakota|
|Erie||Illinois, Tennessee, Virginia, West Virginia, Washington DC, Maryland|
|Mercury||Arizona, California, Illinois, Nevada, Oklahoma|
|MetLife||California, Illinois, Texas, Washington|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
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- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.