Not all want to ride a taxi. Uber provides a more convenient option for commuting to reach a destination. With a growing gig economy for Uber drivers, it is more important than ever to make smart investments to protect your business. As an Uber driver, you need to consider an adequate Uber insurance policy. By having insurance, you can get an edge over Lyft drivers and secure more customers. This article will cover important topics you need to know about an Uber driver insurance policy.
Uber driver insurance requirements will demand that any Uber driver has a form of auto insurance to cover property and bodily damages that might incur in an accident. Uber requires that drivers maintain their own comprehensive and collision auto coverage. Auto insurance for Uber drivers is required in virtually every state in the US. O
Uber also offers supplemental protection to their drivers to ensure the safety of their customers. An Uber driver without insurance will still have some kind of protection. In case your personal auto insurance doesn’t cover an accident, Uber offers the following protection:
$50,000 bodily injury per person
$100,000 bodily injury per accident
$25,000 property damage per accident
Other types of insurance needed to drive Uber with full protection are general liability, professional liability, and workers compensation. Having excess liability insurance is also smart.
Uber car insurance requirements state that that a driver must have $1 million auto liability coverage and $1 million property damage coverage. Contingent coverage must also be present. Moreover, protection for the driver himself or herself must be present. And so, underinsured/uninsured motorist coverage is required.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
General liability insurance for Uber drivers protects against claims of liability from their customers for personal injury or property damage. Some times when you would want to have this type of coverage include:
A customer loses their bag in your Uber, and you are found at fault for replacing it
You accidentally injure a customer's foot when you are pulling up to serve them
A customer slips thanks to the conditions of your car and falls and hurts themselves
General liability will typically have a coverage limit of $1 million per occurrence and $2 million in aggregate. But note that it’s possible to increase the limits of the general liability coverage of your Uber driver insurance policy. That said, you can get as much as $3 million per occurrence and aggregate limits.
Uber drivers can benefit from an additional insured add-on to extend their general liability coverage beyond the individuals or groups named on their policy.
You can also include a tools and equipment policy so that the tools you use while on the job get covered even away from your business property.
No, car insurance for Uber drivers that the company provides does not have general liability coverage. Uber’s insurance policy generally sometimes only covers the minimum amount of insurance necessary for them to operate in an area. This does not include general liability protection for their drivers.
Public liability insurance for Uber drivers takes care of claims for bodily injuries and property damage. This type Uber liability insurance is a less comprehensive form of general liability insurance. Insurance companies in the USA include the language of public liability insurance in their general liability policies.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
Professional liability insurance protects drivers from any mistakes or omissions they make during their job. Times when you can use this insurance include:
You making a mistake in dropping off a customer that causes them to seek financial damages
You forget to unload your client's bag and drive off without the customer getting it
Professional liability will have a coverage limit of around $1 million per occurrence. This limit can vary based on your policy.
One good add-on to get for your professional liability insurance is an extended reporting period, which allows you to report claims even if your policy is canceled or lapsed.
There are a few types of risks not covered by your professional liability insurance policy. These are outlined below.
| Employee Injuries | These situations are generally covered by policies like workers’ compensation |
|---|---|
| Vehicle Business Use | Anytime you are using a business vehicle, you would need to cover liability costs through a commercial auto policy |
| Discrimination lawsuits | A separate type of insurance called employment practices liability insurance is needed to cover incidents of harassment, discrimination, or wrongful termination |
| Customer Injuries | Injuries for customers will fall under general liability insurance |
| Property Damage | Damage to your property or customer property will need separate policies and are not generally covered under professional liability |
The deductibles for this Uber driver liability insurance will range between $500-$1,000 depending on the level of risk you experience and the premium you are willing to pay.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property insurance can be cheap insurance for Uber drivers because they often don’t have much commercial property to cover. This covers any property you use for business and any tools or equipment contained in it. Some of the times you might want this insurance include:
You store your vehicle in a working garage with tools, and a fire causes damage to your property
You have tools inside your garage that become stolen by a thief and need to be replaced
The average coverage limit for a commercial property policy is $60,000. The value of your property will determine the amount of coverage that you get.
Depending on the area your business operates in, you may want to add earthquake insurance, which protects your property from mudslides, landslides, and other earth movements.
No, not typically by default. If you have an accident driving Uber while you are on the road, commercial property insurance will not cover anything.
_x3EjA_C8r.png)
| CoverWallet | Thimble (Best) | NEXT | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Business owner’s policy combines general liability and property insurance together to create one simplified policy. It may also include other types of insurance like business interruption. If you add this to your Uber insurance, you can expect it to pay off when:
You injure a customer unintentionally during your drive
Your garage door is vandalized
An accident in your garage causes your mechanic tools to get damaged and need to be replaced
The coverage of your BOP policy will be determined by the policies you select. General liability will generally be between $2 million and $4 million, and the commercial property coverage will depend on your assets.
An add-on that makes sense for your business owner’s policy is commercial crime insurance. This protects your business from the damaging actions of employees like theft and fraud
You can also opt-in for earthquake insurance, which protects your business property from landslide and earthquake damage
Business interruption insurance protects your Uber business in case a physical event like a fire or flood prevents you from performing regular work duties. Some examples of when to use this coverage include:
A flood causes your Uber driving activities to halt for a week
An out-of-control fire causes interruptions in picking up clients in your Uber car
Commercial auto insurance is perhaps one of the most important types of insurance for an Uber driver. This protects your vehicle if it gets involved in an accident when serving customers and many other situations. Here are a few examples of when this Uber vehicle insurance can come in handy.
While driving your Uber car, you get into a collision accident
Someone sideswipes your car while you are parked waiting for a customer
The coverage limits of Uber auto insurance is set at a minimum of $25,000 per bodily injury, $25,000 per property damage, and $50,000 per accident.
One add-on that is vital to get for Uber drivers is roadside assistance coverage. This Uber car insurance policy will help get you moving again if the car breaks down or gets stuck while you are driving.
Another good-on to the commercial car insurance for Uber drivers is engine protection coverage that covers some of the overhauling expenses if the engine is damaged due to a covered peril.
Yes, personal auto insurance does not cover accidents that happen when you are on the job. Commercial auto insurance is a necessary policy to protect your vehicle from excess damage.
Uber gap insurance is a good option to consider to supplement your commercial auto insurance.
Gap insurance for Uber drivers covers any “gaps” in your coverage due to coverage limits. This can happen if your vehicle has been totaled but there’s still debt on it you must pay. Gap insurance will help you cover the remaining balance to the lender.
Uber fleet insurance is a highly comprehensive version of a commercial auto policy. While a normal commercial auto coverage can only cover 5 vehicles at most, a fleet coverage can be used to insure 10-20 vehicles. Fleet insurance provides a cost effective way of insuring numerous vehicles used for Uber.
Excess liability insurance adds extra coverage to the limit of a policy. For example, if your general liability insurance only offers $1 million and a customer files a $2 million lawsuit, excess liability insurance will cover the amount that you would’ve otherwise paid yourself.
No, Uber umbrella insurance provides additional coverage above the original policy, while excess liability just covers losses above the limits of your primary insurance policy. An umbrella policy changes the rules and coverage, while excess liability pays claims the same way the original policy does. The result is that claims that would be excluded under an underlying policy are similarly excluded under excess liability.
Workers compensation for Uber drivers is an insurance policy that covers any additional drivers you hire. This will cover lost wages, death benefits, and other related expenses in case an occupational injury or disease happens. You will need this Uber accident policy in events like the ones listed below.
One of your drivers gets injured by changing a tire and cannot work temporarily
A driver that works for you cuts their arm on a shard of broken glass, requiring medical attention
Yes, this Uber accident insurance is legally required for businesses with regular employees in virtually every state. Texas is a state that doesn’t have a strict requirement but will still require workers comp in some situations like government contracting.
In the states of Ohio, North Dakota, Wyoming, and Washington, workers comp insurance is handled by a state entity rather than a private insurer.
Uber disability insurance is a type of insurance that provides benefits to a worker who is prevented from earning income due to a temporary or permanent disability. Disability insurance is obtained from the US government through the social security system. Some examples of times to use this insurance include:
You experience a broken arm that prevents you from driving on the road
A permanent spine injury prevents you from sitting for long hours in the car
A group disability insurance plan can replace up to a certain percentage of your income if you get disabled. They are usually subsidized by your employer and come in three main categories.
| Short-term disability | Pays a benefit for a limited time, typically not longer than a year |
|---|---|
| Basic long-term disability | Pays the benefit for a period of two or more years |
| Voluntary long-term disability | is The same as a long-term disability, but the employee volunteers to pay the premium |
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $40 | $480 | $0-$500 |
| Excess liability insurance | $55 | $660 | $500-$1,000 |
| Commercial property insurance | $70 | $840 | $1,000-$2,000 |
| Business owner's policy | $110 | $1,320 | $1,500 |
| Business interruption insurance | $85 | $1,020 | $500-$1,000 |
| Commercial auto insurance | $90 | $1,080 | $500-$1,000 |
| Workers compensation insurance | $116 | $1,392 | $2,500-$5,000 |
| Disability insurance | $113 | $1,356 | $1,000-$2,000 |
The average Uber driver insurance cost is $40 per month or $480 per year for a $1 million general liability insurance. On the other hand, the average Uber car insurance cost is $90 per month or $1,080 per year. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, and location. Here’s a table showing the recommended companies’ $1 million general liability insurance rates for Uber drivers:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| Next | $15 | $180 | Best overall; Fastest general liability insurance for Uber drivers |
| The Hartford | $23 | $276 | Workers compensation insurance for Uber drivers |
| CoverWallet | $29 | $348 | Comparing Uber driver insurance quotes online |
| Tivly | $39 | $468 | Comparing Uber driver insurance quotes over the phone |
| Thimble | $33 | $396 | Short-term general liability insurance for Uber drivers |
| Hiscox | $30 | $360 | Uber driver insurance with a 14-day money-back guarantee |
| Farmers | $159 | $1,908 | Rideshare policy |
| Allstate | $154 | $1,848 | Personal policy addons |
| GEICO | $167 | $2,004 | Commercial auto insurance for Uber drivers |
| AAA | $88 | $1,056 | Member discounts |
| USAA | $87 | $1,044 | Military veterans working as Uber drivers |
| Statefarm | $52 | $624 | 24/7 claims filing |
| Progressive | $165 | $1,980 | Experienced auto agents |
Get all the best quotes from leading providers in a click of a button!
A good insurance policy that covers what you need will need to be provided by one of the best insurance companies for Uber drivers. See how these insurance companies compare in our reviews below.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for Uber drivers
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT has great policy options for Uber drivers that cover things like towing, property damage, collisions, injuries, rental reimbursement and more. With their policy, you can insure ten vehicles and up to 15 drivers. This company has an AM Best rating of A- (excellent) and a Better Business Bureau rating of B+.
Best for: Best overall; Fastest general liability insurance for Uber drivers
Average cost: $15 per month
Our rating: 10/10
Lots of policy options
Renowned company for workers compensation insurance
Underwrites comprehensive policies for high-risk customers
Doesn’t cover every state
The Hartford has a nice collection of policies like commercial property, general liability, collision coverage, bodily injury, and medical payments coverage that can be combined for your Uber driver's insurance. This company does not offer rideshare insurance, so you do lose out on some convenience you could have with your personal auto policy. The company has an A+ rating from AM Best, making it very financially secure, so you can be assured your claims will be fulfilled.
Best for: Workers compensation insurance for Uber drivers
Average cost: $23 per month
Our rating: 10/10
Quote process is fast
Compare quotes online
HNOA coverage automatically included in general liability insurance
Discounted premiums if you pay for the whole year
To buy a policy, you need to be helped on the phone.
CoverWallet offers options for physical damage, auto liability, towing, bodily injury, general liability, and other policies that Uber drivers care about. You can choose between different options on a digital marketplace. The company offers great guides on making the most out of your coverage in its resources section. They are an established marketplace with an A+ rating from BBB.
Best for: Comparing Uber driver insurance quotes online
Average cost: $29 per month
Our rating: 10/10
Has 200+ partners to choose from
Compare Uber insurance quotes across different providers over the phone
Can take you to a partner that matches your risk profile
You need to call to get a quote
Tivly offers Uber insurance policies for any vehicle with options for general liability, professional liability, commercial auto and more. They have over 200 partners covering a wide range of policies, including names like The Hartford and Progressive. Tivly has been selling insurance for 20 years and has an A rating from the BBB for its customer satisfaction. Call now to compare quotes over the phone.
Best for: Comparing Uber driver insurance quotes over the phone
Average cost: $39 per month
Our rating: 10/10
Great options for general liability
High customer reviews
General liability insurance is available as a short-term coverage
You can’t reach customer service by calling
Thimble offers a suite of policies that Uber drivers might need on the road. They have general liability, professional liability, commercial property, commercial auto, and many others. The company's great general liability selection allows you to get the right policy arranged right from Thimble and fit your situation. They also offer flexible insurance that can be purchased in the short term for freelancers and small businesses.
Best for: Short-term general liability insurance for Uber drivers
Average cost: $60 per month
Our rating: 10/10
14-day money-back guarantee
Has numerous upgrades to your base policies
Offers a discount if you buy two or more policies
Online quoting not available all the time due to periodic site maintenance
Hiscox has general liability, professional liability, workers' compensation, and a few other options that might work for your Uber driver policy. The advantage of using Hiscox is that their agents personalize and tailor your experience to get the most for your dollar. Hiscox offers a podcast for side hustlers and entrepreneurs to learn from that greatly benefits Uber drivers. They have an A (excellent) rating from AM Best.
Best for: Uber driver insurance with a 14-day money-back guarantee
Average cost: $30 per month
Our rating: 10/10
Rideshare policy for Uber drivers
Simplified claim process
Isn’t offered in all states
Uber farmers insurance has a special rideshare insurance policy that lets you get covered when you are waiting for a ride. Farmers also offers commercial auto, commercial property, workers’ compensation, and general liability.
Best for: Rideshare policy
Average cost: $159 per month
Our rating: 8/10
Agents have experience with rideshare businesses
Great auto policy options
Lower customer satisfaction rating
Allstate insurance for Uber drivers have nice optional add-ons in addition to the standard policies that Uber drivers want. The rideshare insurance lets you add coverage right to your personal car insurance policy. The ride-for-hire insurance of Allstate also gives you gap coverage when you aren’t transporting a customer.
Best for: Personal policy addons
Average cost: $154 per month
Our rating: 8/10
Great selection of commercial auto policies
One of the best insurance apps
Some policies are sourced from partners
GEICO Uber driver insurance has what you need for commercial auto insurance. They offer options like bodily injury, property damage, combined single limit, medical payments, comprehensive coverage, and collision coverage. GEICO insurance for Uber drivers can also come with endorsements such as roadside assistance, GAP, and personal effects coverage. GEICO has an A++ rating from AM Best, and their customers love them with their 97% customer satisfaction rate.
Best for: Commercial auto insurance for Uber drivers
Average cost: $167 per month
Our rating: 8/10
Pros
Auto insurance discount for members
Can combine multiple policies
Cons
Rideshare addon only in some states
AAA insurance for Uber drivers drivers is an excellent option thanks to their addons like rideshare insurance and gap insurance. AAA also offers OEM exterior repair coverage, which pays for manufacturer parts that are original.
Best for: Member discounts
Average cost: $88 per month
Our rating: 8/10
Switch and save program
Caters to the needs of military veterans now working as Uber drivers
Competitive premiums to members
Requires you or your family to have served in the military
USAA Uber insurance is a great plan if you can qualify. They only offer policies to members of the military and their families. USAA has business owner’s policy, general liability, and workers’ compensation policies in addition to auto policies and options. AM Best gave USAA an A++ rating for its financial security.
Best for: Military veterans working as Uber drivers
Average cost: $87 per month
Our rating: 8/10
Rideshare coverage
Transportation network coverage
File claims 24/7
No online quotes
State Farm insurance for Uber drivers gives you full protection that includes limits and deductibles from your personal auto policy thanks to rideshare coverage. They also offer transportation network coverage that can extend your coverage with Uber itself. State Farm has an A++ rating from AM Best and a similarly impressive A+ rating from BBB.
Best for: 24/7 claims filing
Average cost: $52 per month
Our rating: 8/10
Agents have vast experience with the auto industry
Customizable commercial auto insurance limits
Numerous unique add-ons to commercial auto insurance
Missing coverage in some states
Uber and progressive insurance make a great combination thanks to their rideshare coverage that you can add to your personal auto insurance. They also offer general liability, professional liability, workers' compensation, and more. Progressive has an A+ rating from BBB and an identical A+ rating from AM Best.
Best for: Experienced auto agents
Average cost: $165 per month
Our rating: 8/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
