Car insurance for Uber drivers can be confusing. Get all the info you need to find the right rideshare endorsement for your policy.
With the growing number of Uber drivers on the road, car insurance companies are increasingly adapting their policies to fit the rideshare business model. However, driving for Uber still falls under a commercial auto insurance policy rather than a more common personal auto policy. If you’re an Uber driver, you should purchase an additional policy feature called “rideshare coverage” or a “rideshare endorsement.” What this policy actually means, and where to get it, are covered in our Uber car insurance guide.
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|
|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.|
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.
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 rideshare insurance companies and states in which coverage is available.
*Please note that it is your responsibility to inform your insurance company that you drive for a ride-sharing service. Because this is considered a business activity, a standard insurance policy does not provide sufficient coverage. Driving for a rideshare company without a proper insurance policy could leave you at risk for any potential damages and could lead to your coverage being dropped altogether. Please contact a representative at your company to discuss such coverage options.