Uber Eats Auto Insurance: Rates & Requirements (2021)

Uber Eats auto insurance is provided for you by the company. However, their coverage limits will vary based on whether you are between deliveries or actively making a delivery. You may want to consider purchasing your own commercial auto insurance policy to make sure you're covered. You can receive Uber Eats auto insurance quotes by searching online and contacting many major auto insurance companies. Read more below.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 30, 2021

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Can't-Miss Facts

  • Uber Eats auto insurance requirements mandate that you have at least third party property damage or comprehensive coverage.
  • Uber is one of the few rideshare/food delivery apps that provides insurance for its drivers.
  • Coverage limits will change based on whether you are in between deliveries or actively making a delivery, so you may want to consider purchasing your own commercial policy or a business-use add-on.

Uber Eats is a food delivery platform where customers can request delivery for takeout, groceries, and more. You can also sign up to become a driver in your area. But do you meet the requirements?

Uber Eats auto insurance requirements are pretty simple to meet. Read more below to learn about their requirements, whether Uber provides insurance for their drivers, and if you'll need to purchase additional coverage.

For help finding an Uber Eats auto insurance company, use our free quote comparison tool above by entering your ZIP code.

What are the Uber Eats auto insurance requirements?

Uber requires that all of its rideshare and delivery drivers provide proof of insurance. To meet the requirements, you need to have at least third party property damage or comprehensive coverage.

You will need to provide a copy of your insurance policy that includes your name as listed on your driver's license or other proof of ID, vehicle information that matches your vehicle registration, and a future expiry date to show that it is a valid policy.

You can not have any outstanding balance or unpaid premiums, and Uber won't accept renewal documents as your proof of insurance.

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Does Uber provide auto insurance for its drivers?

Yes, Uber is one of the few ridesharing/food delivery apps that does provide some insurance for their delivery drivers.

Uber Eats auto insurance rates are usually affordable. While there is no premium for its standard insurance, you may ask about optional insurance add-ons, plus you may need to pay a $1,000 deductible if you are in an accident during a delivery.

Uber's coverage limits will change depending on what you are working on. If you are between deliveries, have the app on, and are waiting for a request, you will have $50,000/$100,000/$25,000 of commercial liability coverage. If you are actively making a delivery, your limit goes up to $1 million.

Uber Eats auto insurance claims can be made by opening your app, clicking Help, navigating to Trip Issues and Adjustments, and clicking "I was in an accident."

Do I need to purchase commercial auto insurance?

While it is not required to purchase additional auto insurance while driving for Uber, it is recommended. This is especially since Uber's coverage limits for drivers in between deliveries are pretty low and your personal auto insurance coverage may deny your claim since you are waiting for work.

Your options include buying commercial auto insurance or asking your personal auto insurer about business-use add-ons, which offer coverage for a limited amount of business use with your vehicle.

If you do not choose to buy Uber Eats auto insurance, you should at least notify your personal insurance company that you use your vehicle for delivery driving. This lessens your risk of having your coverage canceled, and they may be able to provide you with more information about their coverage options.

You can also seek out Uber Eats auto insurance quotes online through many major insurance companies.

Wrap Up: Uber Eats Auto Insurance

Uber is one of the few rideshare/delivery companies that provide insurance for their drivers. Your coverage limits will change depending on whether you are between deliveries or actively making a delivery.

Because of their smaller limits for drivers between deliveries, you may want to consider purchasing your own commercial auto insurance or business-use add-on to make sure you are covered.

If you need help finding affordable Uber Eats auto insurance, enter your ZIP code into our free quote comparison tool below.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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