Uber Eats Auto Insurance: Rates & Requirements (2024)
Uber Eats auto insurance covers drivers active on the app with 50/100/25 in liability coverage. However, Uber Eats liability insurance doesn't cover your car or injuries, so you'll need rideshare coverage. We'll overview Uber Eats car insurance requirements and help you find cheap Uber Eats insurance near you.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Mar 11, 2024
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: Mar 11, 2024
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
- Check with your insurer to make sure you’re fully covered whenever you drive
Rideshare drivers may wonder, “Does Uber Eats provide insurance?” Uber Eats auto insurance will cover 50/100/25 in liability coverage, but it’s essential to know all the Uber Eats insurance requirements. To drive for Uber Eats, you need personal car insurance coverage that meets the minimum coverage requirements in your state.
Read More: What are the Uber car requirements?
You might also consider buying rideshare auto insurance to supplement the included Uber Eats driver insurance and cover your medical expenses if you get into an accident.
Instantly compare rideshare insurance options from the top providers near you by entering your ZIP code into our free quote tool above.
Uber Eats Driver Insurance Requirements
So, do I need insurance for Uber Eats deliveries? Yes, to meet Uber Eats car insurance requirements, you must carry a personal auto insurance policy that includes your state’s minimum auto insurance requirements.
See how much car insurance your state requires here:
State | Limits | Policies |
---|---|---|
Alabama | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
Alaska | 50/100/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
Arizona | 15/30/10 | Bodily Injury (BI) + Property Damage (PD) Liability |
Arkansas | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
California | 15/30/5 | Bodily Injury (BI) + Property Damage (PD) Liability |
Colorado | 25/50/15 | Bodily Injury (BI) + Property Damage (PD) Liability |
Connecticut | 25/50/20 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Delaware | 25/50/10 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
District of Columbia | 25/50/10 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM) |
Florida | 10/20/10 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
Georgia | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
Hawaii | 20/40/10 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
Idaho | 25/50/15 | Bodily Injury (BI) + Property Damage (PD) Liability |
Illinois | 25/50/20 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Indiana | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
Iowa | 20/40/15 | Bodily Injury (BI) + Property Damage (PD) Liability |
Kansas | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
Kentucky | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Louisiana | 15/30/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
Maine | 50/100/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM), Medical Payments (Medpay) |
Maryland | 30/60/15 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Massachusetts | 20/40/5 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
Michigan | 20/40/10 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
Minnesota | 30/60/10 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Mississippi | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
Missouri | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM) |
Montana | 25/50/20 | Bodily Injury (BI) + Property Damage (PD) Liability |
Nebraska | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Nevada | 25/50/20 | Bodily Injury (BI) + Property Damage (PD) Liability |
New Hampshire | 25/50/25 | Financial Responsibility only |
New Jersey | 15/30/5 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM) |
New Mexico | 25/50/10 | Bodily Injury (BI) + Property Damage (PD) Liability |
New York | 25/50/10 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM) |
North Carolina | 30/60/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
North Dakota | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Ohio | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
Oklahoma | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
Oregon | 25/50/20 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Pennsylvania | 15/30/5 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
Rhode Island | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability |
South Carolina | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
South Dakota | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Tennessee | 25/50/15 | Bodily Injury (BI) + Property Damage (PD) Liability |
Texas | 30/60/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
Utah | 25/65/15 | Bodily Injury (BI) + Property Damage (PD) Liability, Personal Injury Protection (PIP) |
Vermont | 25/50/10 | Bodily Injury (BI) & Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Virginia | 25/50/20 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Washington | 25/50/10 | Bodily Injury (BI) + Property Damage (PD) Liability |
West Virginia | 25/50/25 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Underinsured Motorist (UIM) |
Wisconsin | 25/50/10 | Bodily Injury (BI) + Property Damage (PD) Liability, Uninsured Motorist (UM), Medical Payments (Medpay) |
Wyoming | 25/50/20 | Bodily Injury (BI) + Property Damage (PD) Liability |
So, if you’re wondering, “Can you drive Uber Eats without insurance,” the answer is no. Uber will ask you to submit insurance documents to your account before allowing you to ride with the program, and you’ll need to submit new documentation when your policy renews.
Read More: How to Get Instant Proof of Your Auto Insurance Policy Online
You may also wonder, “Does Uber Eats have insurance?” Yes, Uber Eats accident insurance is included for all drivers, but you’ll still need a personal policy. In addition, Uber Eats’ website says it partners with certain rideshare insurance providers that automatically upload insurance documents to the Uber platform when your policy renews.
Keep reading to see what Uber Eats accident insurance is included for drivers.
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Insurance for Uber Eats Drivers: How it Works
So, does Uber Eats cover insurance? 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:
Bodily injury liability per person/accident: $50,000/$100,000 Property damage liability per accident: $25,000
When you’re driving to and from a delivery location, Uber Eats coverage includes:
Third-party liability: $1,000,000 Comprehensive and collision coverages: However, you must carry a personal policy with these coverages to get these Uber Eats coverages.
Uber Eats insurance coverage in California includes personal injury protection insurance, which can include medical expenses, survivor benefits, and disability payments in the event of an accident.
Do you need vehicle insurance for Uber Eats in New York? Unfortunately, Uber Eats insurance doesn’t apply to accidents in New York. So, if you need a New York auto insurance policy, ensure it covers any accidents while driving for the app.
Uber Eats Insurance Cost
How much is insurance for Uber Eats? You won’t pay for the liability coverage Uber Eats includes, but you’ll need to buy a separate rideshare insurance policy.
So if you’re wondering, “How much will my insurance go up if I drive for Uber Eats,” check out the table below to compare Uber food delivery insurance cost from the top providers:
Insurance Company | Monthly Rates |
---|---|
Allstate | Under $2 |
Erie | $9 to $15 |
Farmers | $13 to $20 |
Geico | $7 to $14 |
Liberty Mutual | $12 to $19 |
Mercury | $27 |
Nationwide | $11 to $18 |
Progressive | $8 to $15 |
Safeco | $10 |
State Farm | 20% of policy |
USAA | $6 |
As you can see, rideshare car insurance for Uber Eats drivers is cheap, so compare quotes from the best auto insurance companies to find the best deal for you.
However, do you need insurance to do Uber Eats? Keep reading to learn more about optional and required coverages for food delivery drivers.
Getting Additional Insurance for Uber Eats Is Essential
Do you need special insurance for Uber Eats? Uber Eats insurance provides liability coverage, which only covers injuries and damages to the other drive and vehicle. You’ll still need a personal policy to cover your car damage and injuries, though California drivers automatically receive injury coverage.
So, do I need to tell my insurance I drive for Uber Eats? Yes, you’ll want to inform your insurance company to ensure you’re adequately covered.
Check with your insurer to see if your personal auto insurance policy covers 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.
However, does driving for Uber Eats raise insurance premiums? If you choose to add rideshare insurance to your policy, you’ll likely see higher rates, but it’s worth the added protection.
Read More: How to Get an Uber Driver Auto Insurance Discount
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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, specialized rideshare insurance, and delivery driver auto insurance policies 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.
Read More: Is it possible to have a rideshare car rental?
So, do you need car insurance for Uber Eats? Yes, you’ll need a personal policy to benefit from Uber Eats’ liability protections. Finding the right car insurance for Uber Eats and food delivery drivers can be time-consuming, as you may need to compare multiple providers and their offerings to ensure the best fit for your needs.
Uber Eats Delivery Insurance: Find the Right Coverage for You
So, does Uber Eats insure their drivers? 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.
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— AutoInsurance.org (@AutoInsurance) January 22, 2024
However, unless you have auto insurance in California, you won’t have coverage for your injuries while working for Uber Eats. So, check if your insurer requires commercial coverage so you’re protected while you drive.
To find the best vehicle insurance for Uber Eats drivers, enter your ZIP code into our free quote comparison tool below to instantly buy cheap rideshare insurance near you.
Frequently Asked Questions
Does Uber Eats cover accidents?
Food delivery drivers may be wondering, “Does Uber Eats offer car insurance?” While the company includes liability protection for drivers, you’ll still need to get a personal policy to cover yourself and your vehicle.
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.
Of course, each state has different auto insurance laws, meaning coverage requirements differ. So, research your state’s requirements to know exactly what you need.
Why is getting separate Uber Eats vehicle insurance necessary?
You may wonder, “Do I need insurance to do Uber Eats?” If you’re delivering food for Uber Eats, you’ll need to have a personal insurance policy, and some companies may require you to get rideshare insurance.
Do you need rideshare insurance for Uber Eats?
You may be wondering, “Do I need rideshare insurance for Uber Eats?” The answer depends on your provider — some insurance companies automatically extend coverage to rideshare drivers, while others may require additional coverage.
Read More: Best Rideshare Auto Insurance
Check with your provider to know whether you’re covered or not.
Do you need insurance for Uber Eats?
Does Uber Eats require insurance? Yes, Uber Eats drivers must carry their state’s minimum coverage requirements.
So, what insurance do I need for Uber Eats? 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.
What type of insurance do I need for Uber Eats?
A top question delivery drivers ask is, “What kind of insurance do I need for Uber Eats?” You must carry a personal liability auto insurance policy to drive for Uber Eats.
While full coverage auto insurance isn’t required, we recommend carrying it to protect yourself and your vehicle.
Can I do Uber Eats without insurance?
So, can you do Uber Eats without insurance? No, for those wondering how to bypass Uber Eats insurance, the company requires a personal insurance policy.
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.
Does Uber Eats raise your insurance rates?
You may wonder, “Does Uber Eats affect insurance cost?” Yes, Uber Eats drivers will generally see higher rates due to the increase 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.
How much is Uber Eats insurance?
You won’t pay anything for the company’s included liability coverage, though you still need to secure personal rideshare coverage. You can get cheap Uber Eats insurance with the top companies, ranging from $2-$27 monthly.
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 within 48 hours.
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. Otherwise, you won’t be able to drive for Uber Eats with a vehicle you don’t own.
Read More: Adding a Driver to Auto Insurance: What You Should Know
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. You should also evaluate your parents’ car insurance policy to ensure it provides adequate coverage for Uber Eats driving.
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’re 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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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
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.