Uber Eats Car Insurance: Compare Rates, Discounts, & Requirements [2023]
Uber Eats does provide car insurance for their delivery drivers. However, this coverage is only available to drivers who maintain personal insurance. If you drive for Uber Eats without insurance the Uber Eats car insurance will not activate. Uber Eats does not charge for their coverage and it is available to all drivers.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Uber Eats offers car insurance to their delivery drivers
- Drivers must have personal car insurance for Uber Eats insurance to be active
- Uber Eats car insurance is offered free to all its delivery drivers
As a seasoned delivery driver, you may be surprised to discover that Uber Eats car insurance is available to Uber Eats drivers.
Keep reading to learn more about how affordable Uber Eats car insurance is and what the requirements are to obtain it.
Do you want more coverage than what’s offered by Uber Eats car insurance? Enter your ZIP code above, and we will help you find affordable rates in your area.
What kind of coverage does Uber Eats provide for delivery drivers?
Uber Eats provides two types of insurance. The first is third-party liability insurance if your personal insurance won’t cover you. This is active while you are waiting for a ride request.
- $50,000 bodily injury coverage per person
- $100,000 bodily injury coverage per accident
- $25,000 property damage coverage per accident
The second type of coverage is offered when you are actively serving a request.
- 1,000,000 third-party liability
- Un/underinsured motorist coverage
- Contingent comprehensive and collision insurance
Before you can file for Uber Eats accident claims, the comprehensive and collision insurance coverage has a deductible of $2,500.
This means even with this coverage, you still want to have some savings to ensure you can pay for repairs in the event of a crash.
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How much does Uber Eats car insurance cost?
Before you start to worry about Uber Eats car insurance quotes, let’s make one thing clear; it is free. That’s right; you don’t have to buy Uber Eats car insurance.
As an Uber Eats driver, you have to sign onto your app and prove your personal insurance.
Once you are cleared to start driving, your coverage is automatic.
How do I qualify for Uber’s car insurance?
Uber Eats insurance requirements are that you need to maintain the minimum insurance required by your state. As long as you do this, the Uber Eats insurance will kick in should an accident occur.
If you drive for Uber Eats without insurance, the insurance offered by Uber Eats will not protect you and your vehicle. Instead, Uber Eats will only cover the other party’s bills in the accident via their liability coverage.
Do I still need to purchase separate car insurance if I drive for Uber Eats?
While Uber Eats does offer good insurance coverage, it is not flawless. Uber Eats recommends looking into a rideshare policy from an outside provider to obtain more coverage.
Many car insurance providers offer unique policies designed for food delivery workers, including Progressive, Geico, and Allstate. To learn more, read our Progressive car insurance review.
Because Uber Eats does not cover rental cars, additional coverage can help get you back on the road much quicker and ensure that you pay very little out of pocket.
While no one can compare with Uber Eats car insurance rates of zero, if you enter your ZIP code below, we will help you find a provider that fits your needs.
Frequently Asked Questions
Is my personal car insurance policy enough to cover me while delivering for Uber Eats?
No, your personal car insurance policy typically does not provide coverage while you are engaged in commercial activities such as delivering for Uber Eats. You will need additional insurance coverage to protect yourself and your vehicle during food delivery.
What type of insurance coverage does Uber Eats provide to its delivery drivers?
Uber Eats provides commercial auto insurance coverage for its delivery drivers. This coverage includes liability insurance for third-party injuries or property damage that may occur while on a delivery. However, it’s important to note that this coverage may have certain limitations and may not cover all situations.
Are there any requirements to qualify for Uber Eats car insurance?
Yes, there are requirements to qualify for Uber Eats car insurance. These requirements may vary depending on your location and the specific insurance provider. Generally, you must be at least 19 years old, have a valid driver’s license, and have at least one year of driving experience. Your vehicle may also need to meet certain criteria, such as being a certain age or having a specific value.
Can I use my own insurance policy to cover my vehicle while delivering for Uber Eats?
Yes, some insurance providers offer additional coverage options that can be added to your personal auto insurance policy to cover you while delivering for Uber Eats. These options are often referred to as rideshare or delivery coverage endorsements. It’s important to contact your insurance provider to discuss your options and ensure you have the appropriate coverage.
What are the pros and cons of Uber Eats car insurance?
Pros:
- Provides commercial auto insurance coverage specifically designed for delivery drivers.
- Offers liability coverage for third-party injuries or property damage during deliveries.
- May be more affordable compared to purchasing a separate commercial insurance policy.
- Convenient and easy to access, as the coverage is integrated into the Uber Eats platform.
- Provides a sense of security and protection while working as a delivery driver.
Cons:
- Coverage may have limitations and exclusions that could leave gaps in your insurance protection.
- May require additional costs, such as deductibles or premiums, depending on the insurance provider.
- The coverage may not extend to personal use of the vehicle when not actively delivering for Uber Eats.
- Availability and terms of Uber Eats car insurance may vary by location, making it important to check the specific details for your area.
- If you rely solely on Uber Eats insurance and don’t have additional coverage, you may be responsible for any damages to your vehicle in the event of an accident.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.