Uber Eats Auto Insurance: Rates & Requirements (2024)
Uber Eats auto insurance covers drivers while they're active on the app. When you’re on delivery, Uber Eats insurance covers $50,000/$100,000 in bodily injury liability and $25,000 in property damage liability per accident. You'll want to buy commercial or rideshare insurance to pay for your injuries.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 18, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Sep 18, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Uber Eats provides third-party liability coverage while active in the app
- Coverage limits vary depending on if you’re waiting for a delivery or en route to one
- Always check with your insurer to make sure you’re fully covered whenever you drive
Are you delivering food with Uber Eats? The app’s insurance will partly cover you but make sure you know all the Uber Eats insurance requirements. To drive for Uber Eats, you need to have personal car insurance coverage that meets the minimum coverage requirements in your state. You might also consider buying rideshare auto insurance to pay for your own injuries while driving for Uber Eats.
Many Uber Eats drivers purchase additional Uber Eats auto insurance coverage to ensure they’re protected while working in the app, but Uber does not require this.
How Uber Eats Auto Insurance Works
Uber Eats maintains third-party liability auto insurance coverage for drivers while using the app. The coverage limits depend on whether you’re waiting for a delivery request or are actively working on an order.
Remember, Uber Eats insurance coverage only applies when the app is on and you are available as a driver.
When you’re waiting for a delivery, Uber Eats insurance offers these third-party liability limits:
- $50,000/$100,000 in bodily injury liability per person/per accident
- $25,000 in property damage liability per accident
When you’re driving to and from a delivery location, Uber Eats coverage includes:
- $1,000,000 in combined third-party liability insurance
- Comprehensive and collision if your personal auto insurance consists of this coverage
If you live in California, Uber Eats will also cover personal injury protection insurance, which can include medical expenses, survivor benefits, and disability payments in the event of an accident.
Uber Eats insurance doesn’t apply for accidents in New York State. So if you drive for Uber Eats, you’ll need to make sure your personal New York auto insurance policy covers any accidents that may happen while driving for the app.
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Pros and Cons of Uber Eats Auto Insurance
The pros of having an Uber Eats auto insurance policy are:
- Ensures coverage during your delivery activities, providing peace of mind and protection against potential liabilities
- Complies with Uber Eats’ insurance requirements, preventing potential issues with the platform
However, Uber Eats car insurance coverage is limited. The biggest downsides to Uber Eats insurance are:
- Only provides liability coverage and does not pay for drivers’ injuries or property damages
- Limited coverage from personal auto insurance may leave you exposed to potential financial risks if an accident occurs during delivery
Dedicated commercial auto insurance or specialized rideshare insurance policies may offer additional benefits specific to Uber Eats drivers, but monthly rates for commercial auto insurance or specialized rideshare insurance policies may be higher than personal auto insurance.
Finding the right insurance policy can be time-consuming, as you may need to compare multiple providers and their offerings to ensure the best fit for your needs.
You Need Extra Auto Insurance for Uber Eats
Uber Eats insurance only provides liability coverage, which only covers injuries and damage to the other driver and vehicle. If you’re injured, or your car is damaged, Uber Eats will not pay for your medical expenses in 49 states.
Check with your insurer to see if your personal auto insurance policy will cover you while driving for Uber Eats.Brad Larson Licensed Insurance Agent
Many states or insurance companies will require you to purchase rideshare coverage or commercial auto insurance to cover these situations. The risk assessment is different when you drive a car for business use rather than for personal reasons. Even if you’re not required to purchase commercial insurance, extra protection for you and your vehicle may be a smart choice.
Read more: How to Get an Uber Driver Auto Insurance Discount
The Bottom Line on Uber Eats Auto Insurance
Uber Eats insurance protects other drivers and vehicles if you’re in an accident while delivering food through the app, thanks to its third-party liability coverage. But unless you live in California and have California auto insurance, you won’t have coverage for your injuries while working for Uber Eats. Therefore, check if your insurer requires commercial coverage so you are protected while you drive.
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Frequently Asked Questions
Why does Uber ask for auto insurance?
Auto insurance is required by law, and Uber will not employ someone who doesn’t meet the car insurance requirements in their state.
Why does Uber Eats need vehicle insurance?
If you are delivering food for Uber Eats, your personal auto insurance policy may not provide coverage during this commercial activity. It is advisable to obtain commercial auto insurance or a specialized rideshare insurance policy to ensure proper coverage.
What are the requirements for Uber Eats auto insurance?
Uber Eats typically requires its drivers to have a minimum level of liability insurance. The specific requirements may vary depending on your location, so it’s essential to review the requirements in your area and obtain the necessary coverage.
Is Uber injury protection worth it?
Having Uber Eats auto insurance will provide injury protection to anyone you injure in an accident, which is worth it if you cannot afford to pay someone else’s medical bills.
How does Uber Eats auto insurance affect my rates?
Uber Eats Auto insurance rates may be higher than average due to the increased risk associated with commercial activities. Commercial auto insurance or specialized rideshare insurance policies are designed to account for this added risk. It’s best to compare rates to find the most suitable coverage for your needs.
Does Uber actually check your insurance?
Yes, Uber completes a background check on each driver that includes criminal history, driving history, and insurance history.
How long does Uber take to verify auto insurance?
Uber Eats will verify your auto insurance coverage withing 48 hours.
Does Uber Eats auto insurance have personal injury protection (PIP)?
Uber Eats car insurance does not offer PIP insurance. It only offers liability coverage.
Can I do Uber Eats with someone else’s car?
You must be listed as a driver on the vehicle owner’s policy to drive someone else’s car for Uber Eats.
Can I Uber if I’m on my parents’ auto insurance?
As long as your parents list you as a driver on their policy, you can drive for Uber and Uber Eats.
How does Prop 22 work on Uber Eats auto insurance in California?
Prop 22 in California provides California rideshare drivers with additional insurance protections, including a health insurance stipend and accident insurance coverage.
Does Uber Eats report your income?
As an Uber Eats driver, you are a contract worker and will receive a 1099 tax instead of a W4. It will be your responsibility to honestly report your earnings, or you could face an audit from the IRS.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.