Uber provides its drivers with car insurance coverage only when the Uber app is open and once you’ve accepted a rideshare request. Otherwise, you’ll need rideshare insurance from your own provider to be fully covered. Jerry has helped 518 drivers find rideshare insurance in the last year — and over 125,431 total users across all coverage types.
Here’s how Uber’s insurance works, when you’re covered and when you need additional insurance.
Jerry pulls up to 20 quotes from top rated carriers.
How Uber insurance works
Uber provides different levels of coverage depending on what you’re doing with the app. Your personal car insurance and Uber’s insurance work together, but there are gaps where you may not have enough coverage.
Here’s what’s covered during various situations.
Key takeaway: Uber’s collision and comprehensive coverage only applies if your personal policy also includes those coverages. If you don’t have them, you won’t have any coverage for damage to your own car while driving for Uber.
Do you need rideshare insurance?
Yes, you need rideshare insurance if you’re an Uber driver. Rideshare insurance fills the gaps in Uber’s coverage, especially when you’re waiting for ride requests.
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You drive for Uber regularly.
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You can’t afford to replace your car if it’s totaled.
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You drive during high-traffic times, when accidents are likely.
Jerry recommends: Get rideshare insurance if you drive for Uber. It extends your personal policy so you’re fully covered. It gives your car full protection, higher liability limits if needed, and lets you use your personal policy’s lower deductible instead of Uber’s $2,500.
Learn more: How much car insurance you need
How much does rideshare insurance cost?
Jerry customers have found rideshare insurance for $121-$221 per month in the last year. But the exact price depends on several factors, including:
🕐 How many hours you drive. The more you drive for Uber, the higher your rideshare insurance costs.
📍 Location. Living in an urban area typically costs more than a rural location.
🚗 Driving record. You’ll pay less if you have a clean driving history.
📊 Coverage limits. The higher your policy limits, the higher your costs.
🏢 Insurance company. Rates for the same coverage limits can vary significantly between providers.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: While rideshare insurance adds to your monthly costs, it’s much cheaper than paying out-of-pocket for an accident you could cause. A single accident with injuries could cost you over $160,000 without the proper coverage.
Get rideshare insurance quotes through Jerry
When you drive for Uber, having the right coverage protects you from expensive gaps in Uber’s insurance. Jerry works with over 50 carriers to bring you personalized quotes in minutes – for both your personal driving and your rideshare needs.
Quickly compare quotes from insurers that provide rideshare coverage and choose the best protection for your Uber driving.
What happens if you don’t tell your provider you drive for Uber
Your personal car insurance policy likely excludes coverage when you use your car for business purposes. If you don’t tell your insurer you drive for Uber and you have an accident:
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Your insurer may deny your claim.
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Your policy could be cancelled immediately.
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You could be personally responsible for all damages.
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You may have difficulty finding coverage in the future.
Even if the accident happens during your personal time with the app off, your insurer can still deny coverage if they discover you’ve been driving for Uber without disclosure.
Why it matters: Your insurer needs to know if you drive for Uber because personal policies usually exclude business use. Without disclosure, they can deny claims — even when the app is off — cancel your policy, and mark you as high-risk, making future coverage harder and more expensive.
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FAQ
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🚫 Does your personal insurance cover you when driving for Uber?
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🛡️ Do Uber drivers need extra car insurance?
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📱Does Uber have insurance for drivers?
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💥 What happens if I get in an accident while driving for Uber?
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🔄 Can I add rideshare coverage to any insurance policy?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
