Uber Eats Car Insurance: Discounts, Rates, & Requirements (2022)

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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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's What You Need to Know

  • 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.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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