Insuranks
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Insurance for Uber Drivers: Cost & Quotes From $15/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. Uber Driver Insurance Requirements2. Uber Car Insurance Requirements3. General Liability Insurance for Uber Drivers3.1. Coverage Limits of General Liability Insurance for Uber Drivers3.2. Add-Ons to General Liability Insurance for Uber Drivers3.3. Does Uber Provide General Liability Insurance to Their Drivers?3.4. What is Public Liability Insurance?4. Professional Liability Insurance for Uber Drivers4.1. Coverage Limits of Professional Liability Insurance for Uber Drivers4.2. Add-Ons to Professional Liability Insurance for Uber Drivers4.3. What is Not Included in Professional Liability Insurance for Uber Drivers?4.4. What is the Typical Deductible for Professional Liability Insurance?5. Commercial Property Insurance for Uber Drivers5.1. Coverage Limits of Commercial Property Insurance for Uber Drivers5.2. Add-Ons to Commercial Property Insurance for Uber Drivers5.3. Does Commercial Property Insurance Cover My Vehicle?6. Business Owner’s Policy for Uber Drivers6.1. Coverage Limits for Business Owner’s Policy for Uber Drivers6.2. Add-Ons to Business Owner’s Policy for Uber Drivers7. Business Interruption Insurance for Uber Drivers8. Commercial Auto Insurance for Uber Drivers8.1. Coverage Limits of Commercial Auto Insurance for Uber Drivers 8.2. Add-Ons to Commercial Auto Insurance for Uber Drivers8.3. Do I Need Commercial Auto Insurance if I Have Personal Auto Insurance?8.4. Uber Gap Insurance8.5. Uber Fleet Insurance9. Excess Liability Insurance for Uber Drivers9.1. Is Excess Liability the Same as Umbrella Insurance?10. Workers’ Compensation Insurance for Uber Drivers10.1. Is Workers Comp Insurance Legally Required?10.2. Is Workers Comp Provided by the State?11. Uber Disability Insurance11.1. What Are Group Disability Plans?12. Uber Driver Insurance Cost13. Best Uber Driver Insurance Companies13.1. NEXT Uber Driver Insurance 13.1.1. Pros13.1.2. Cons13.2. The Hartford Uber Driver Insurance 13.2.1. Pros13.2.2. Cons13.3. CoverWallet Uber Driver Insurance 13.3.1. Pros13.3.2. Cons13.4. Tivly Uber Driver Insurance 13.4.1. Pros13.4.2. Cons13.5. Thimble Uber Driver Insurance 13.5.1. Pros13.5.2. Cons13.6. Hiscox Uber Driver Insurance 13.6.1. Pros13.6.2. Cons13.7. Farmers Insurance for Uber Drivers 13.7.1. Pros13.7.2. Cons13.8. Allstate Uber Insurance 13.8.1. Pros13.8.2. Cons13.9. GEICO Uber Insurance 13.9.1. Pros13.9.2. Cons13.10. AAA Uber Insurance 13.11. USAA Uber Insurance 13.11.1. Pros13.11.2. Cons13.12. State Farm Uber Insurance 13.12.1. Pros13.12.2. Cons13.13. Progressive Insurance for Uber Drivers 13.13.1. Pros13.13.2. Cons

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

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

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. 


General Liability Insurance for Uber Drivers


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan 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


Coverage Limits of General Liability Insurance for Uber Drivers

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. 


Add-Ons to General Liability Insurance for Uber Drivers

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.


Does Uber Provide General Liability Insurance to Their Drivers?

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.


What is Public Liability Insurance?

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. 


Professional Liability Insurance for Uber Drivers


CoverWallet NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


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


Coverage Limits of Professional Liability Insurance for Uber Drivers

Professional liability will have a coverage limit of around $1 million per occurrence. This limit can vary based on your policy.


Add-Ons to Professional Liability Insurance for Uber Drivers

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.


What is Not Included in Professional Liability Insurance for Uber Drivers?

There are a few types of risks not covered by your professional liability insurance policy. These are outlined below.

Employee InjuriesThese situations are generally covered by policies like workers’ compensation
Vehicle Business UseAnytime you are using a business vehicle, you would need to cover liability costs through a commercial auto policy
Discrimination lawsuitsA separate type of insurance called employment practices liability insurance is needed to cover incidents of harassment, discrimination, or wrongful termination
Customer InjuriesInjuries for customers will fall under general liability insurance
Property DamageDamage to your property or customer property will need separate policies and are not generally covered under professional liability


What is the Typical Deductible for Professional Liability Insurance?

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.

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Commercial Property Insurance for Uber Drivers


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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


Coverage Limits of Commercial Property Insurance for Uber Drivers

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.


Add-Ons to Commercial Property Insurance for Uber Drivers

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.


Does Commercial Property Insurance Cover My Vehicle?

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.