Uber Eats Car Insurance: Discounts, Rates, & Requirements (2023)

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.

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.