Uber Car Insurance: a Guide to Requirements and Policies

Car insurance for Uber drivers can be a confusing topic. Get all the info you need to find the rideshare endorsement policy for you.

Uber: Car Insurance Guide

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.

How to get Uber driver car insurance
  1. How does Uber car insurance work?
  2. Do Uber drivers need car insurance?
  3. Where can I find coverage?

How does rideshare 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. We’ll break it down further below:

PeriodInsurance Coverage
Period 0Offline: Your personal policy
Period 1Online WITHOUT ride request: Rideshare insurance + Uber coverage
Period 2Online WITH ride request but NO rider:Uber coverage
Period 3Online WITH rider in vehicle: Uber coverage

  • Period 0: Whatever policy you have through your insurance company and use on a daily basis.
  • 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 CoverageWhat it Covers
LiabilityThis covers damage you do 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 CoverageThis 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 ComprehensiveThis 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.

Why do you need Uber insurance?

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.

Where can I get Uber car insurance?

Although many companies offer rideshare coverage, availability may vary based on your location. Moreover, the price can differ based on your driving profile and your car insurance company's offerings. Here are some top rideshare insurance companies and states in which coverage is available.

Insurance Company

Available States


Alabama, Arizona, Delaware, Maine, Rhode Island, South Carolina, Colorado, Idaho, Minnesota, Maryland, Indiana, New Mexico, Texas, Tennessee, Wisconsin, Connecticut, Georgia, Illinois, Kansas, Maine, Nebraska


Arizona, Indiana, Kentucky, Wisconsin, DC, Virginia, Texas, Tennessee, Oklahoma, Minnosota, California, Colorado, Georgia, Nevada, South Carolina, Arkansas, Maryland


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




Alabama, Arizona, California, Georgia, Illinois, Iowa, Kansas, Kentucky, Louisiana, Indiana, Massachusetts, Nebraska, North Dakota


Illinois, Tennessee, Virginia, West Virginia, Washington DC, Maryland


Arizona, California, Illinois, Nevada, Oklahoma


California, Illinois, Texas, Washington

Want an Uber insurance quote? Call us at 1-888-255-4364 for help!

Recent Questions:

Uber Car Insurance: a Guide to Requirements and Policies

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