Uber Eats Car Insurance: What to Know & How to Save (2023)
Uber Eats car insurance requirements obligate drivers to provide proof of personal car insurance. However, your car insurance is unlikely to provide coverage for accidents during deliveries. Uber Eats provides some of the best car insurance for drivers in the industry, but it may be beneficial to buy extra Uber Eats car insurance, such as delivery or rideshare insurance, a business use endorsement, or commercial car insurance.
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Justin Wright
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Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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UPDATED: Aug 13, 2023
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 13, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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
- To become an Uber Eats driver, you must have personal car insurance
- Uber Eats provides some coverage for its drivers depending on your status in the app
- Personal car insurance is unlikely to cover you for an accident while you’re delivering for Uber Eats
- You may want to purchase delivery or rideshare insurance, a business use endorsement, or commercial car insurance
Becoming an Uber Eats driver is relatively easy if you already meet your state’s car insurance requirements. However, being a delivery driver increases your risk of being in an accident, since you will likely be driving more often.
You may need to buy additional Uber Eats car insurance to make sure you’re covered for an accident that occurs while you’re making deliveries.
If you need help getting Uber Eats car insurance quotes, enter your ZIP code into our free quote comparison tool above.
What kind of insurance does Uber Eats require?
To become an Uber Eats delivery driver, you must already have personal car insurance. The Uber Eats insurance requirements obligate drivers to upload proof of their personal car insurance policy.
| Driver Requirements | Uber Eats Requirements |
|---|---|
| Age | At least 19 |
| Driving Experience | Valid driver's license and at least 1 year of licensed driving experience |
| Auto Insurance | Valid and meets state minimum requirements |
| Personal Record | Clean driving record with no major violations for the past 7 years and msut be able to pass a background check |
| Smartphone | Not Listed |
| Vehicle | 2 or 4-door vehicle at least newer than 1998 |
You will also need to upload a copy of a valid driver’s license. If you do not have a license or personal car insurance, you will not be eligible to become an Uber Eats delivery driver.
Read more: Can I buy car insurance without a driver’s license?
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Does Uber Eats provide car insurance?
Uber Eats provides some of the best car insurance for their drivers in the industry. The amount of coverage you receive depends on your status as a delivery driver.
If you are in between deliveries and listed as available on the Uber Eats app, Uber provides third-party liability that will cover you if your car insurance doesn’t.
Coverage limits are $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.
If you are driving for a delivery (whether to pick it up or drop it off), Uber provides $1,000,000 in third-party liability and comprehensive car insurance coverage and collision car insurance coverage (if you hold your own) that will cover up to the value of your vehicle with a $2,500 deductible.
Uber Eats accident claims can be made by going to the app, clicking “Help,” finding “Trip Issues and Adjustments,” and then choosing “I was in an accident.”
Will my personal coverage cover an accident while delivering for Uber Eats?
In most cases, your car insurance will not cover you while you are driving for business purposes. Therefore, if you’re in an accident while making a delivery, it is likely your car insurance would deny this claim.
A few companies may allow you to have coverage if the miles you drive to deliver food do not exceed a specific percentage of the total number of miles you drive.
Regardless of whether your car insurance will provide coverage for delivery driving, you should still let your insurance company know that you drive for work or business purposes. If you don’t, the insurance company could end up canceling your policy altogether.
Case Studies: What to Know & How to Save With Uber Eats Car Insurance
Case Study 1: Mark’s Experience With Uber Eats Car Insurance
Mark decided to become an Uber Eats driver and started delivering orders using his personal car. He was aware that his personal car insurance might not provide coverage during deliveries, so he looked into additional Uber Eats car insurance options.
Mark decided to purchase delivery or rideshare insurance to ensure he had the necessary coverage while making deliveries. This extra insurance gave him peace of mind and protected him in case of an accident during his Uber Eats trips.
Case Study 2: Sarah’s Decision to Add a Business Use Endorsement
Sarah also became an Uber Eats driver and wanted to make sure she had proper insurance coverage. After researching her options, Sarah decided to add a business use endorsement to her existing car insurance policy.
This endorsement extended her coverage to include business activities, such as making deliveries for Uber Eats. Sarah found this to be a cost-effective solution as it provided the necessary coverage while keeping her overall insurance costs manageable.
Case Study 3: John’s Choice of Commercial Car Insurance
John decided to pursue Uber Eats delivery as a full-time job and wanted comprehensive coverage for his vehicle. He opted for commercial car insurance, which provided extensive coverage for his business activities.
Although this option came with a higher premium, John valued the added protection and peace of mind it offered. With commercial car insurance, he felt confident that he had the right coverage for any potential accidents or incidents that could occur during his deliveries.
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Should I buy Uber Eats car insurance?
Driving for Uber Eats without insurance is very risky. Even though Uber offers some of the best car insurance for delivery drivers, it may still leave gaps in coverage while you are making deliveries.
Finding an Uber Eats car insurance company is relatively easy as major car insurance companies recognize the growth in ridesharing and delivery driving as a side gig.
Many of the biggest car insurance companies now offer rideshare and delivery insurance that can provide coverage for Uber Eats drivers. Another option is to add an endorsement to your car insurance policy that will cover business use.
If you drive full time, you may benefit from something with more coverage, such as commercial car insurance. Talk with your insurance provider to see what your best options are.
Enter your ZIP code into our free quote comparison tool below to find affordable Uber Eats car insurance rates in your area.
Frequently Asked Questions
Does Uber Eats provide car insurance for its drivers?
Yes, Uber Eats provides insurance coverage for its drivers while they are actively delivering orders. This coverage includes liability insurance, which covers third-party injuries and property damage, and contingent comprehensive and collision coverage, which covers damages to the driver’s vehicle.
What does Uber Eats’ insurance cover while delivering orders?
Uber Eats’ insurance provides coverage in three different periods:
- Period 1: When the driver is online but hasn’t accepted a delivery request, their personal auto insurance is primary, and Uber Eats provides limited liability coverage.
- Period 2: When the driver has accepted a delivery request and is en route to the restaurant or customer, Uber Eats provides third-party liability coverage, as well as contingent comprehensive and collision coverage for the driver’s vehicle.
- Period 3: When the driver has picked up the order and is delivering it to the customer, Uber Eats provides increased liability coverage and contingent comprehensive and collision coverage for the driver’s vehicle.
Does Uber Eats’ insurance cover personal use of the driver’s vehicle?
No, Uber Eats’ insurance coverage only applies when the driver is actively engaged in delivery activities. Personal use of the vehicle is not covered by Uber Eats’ insurance policy. Drivers should maintain their personal auto insurance to cover non-delivery activities.
Can Uber Eats’ insurance be used as the primary coverage for a driver’s vehicle?
Uber Eats’ insurance acts as contingent coverage, meaning it applies only if the driver’s personal auto insurance denies a claim or provides insufficient coverage. The driver’s personal auto insurance is typically considered primary when it comes to covering their vehicle.
What should I do if I’m involved in an accident while delivering for Uber Eats?
If you’re involved in an accident while delivering for Uber Eats, take the following steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange information with the other parties involved, including insurance details.
- Document the accident scene, including taking photos if possible.
- Report the accident to both your personal auto insurance provider and Uber Eats’ insurance provider.
How can Uber Eats drivers save on car insurance?
While Uber Eats provides insurance coverage during delivery activities, there are other ways for drivers to potentially save on car insurance:
- Choose a higher deductible, but ensure it’s an amount you can afford to pay out of pocket if you need to file a claim.
- Maintain a good driving record with no accidents or traffic violations.
- Consider bundling your car insurance with other policies, such as renters or homeowners insurance, to qualify for multi-policy discounts.
- Inquire about available discounts, such as safe driver discounts or discounts for safety features in your vehicle.
- Shop around and compare quotes from multiple insurance providers to find the best rate specifically tailored to your needs as an Uber Eats driver.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.