What You Need to Know About Uber Car Insurance

Uber offers coverage for their drivers—but for added protection, consider investing in rideshare insurance, which costs an average of $30/month.
Written by Liz Jenson
Edited by Kianna Walpole
Uber’s employer-provided
car insurance
offers liability coverage to drivers during certain phases of the rideshare process. But gaps can still occur in your coverage, making a rideshare policy a valuable asset. Rideshare insurance costs drivers an average of $30 per month and can provide essential protection during periods when company-provided insurance is thin.

How Uber’s car insurance works

When driving for a transportation network company (TNC) like Uber or Lyft, you’ll be protected by both the company’s car insurance and your personal policy. These two policies work in tandem with one another to ensure you’re covered throughout your shift.
Here’s a breakdown of how both your personal insurance and Uber’s car insurance will work during each phase of the rideshare process:
When it occurs
What coverage is active
What’s covered
Phase 0
Any time your rideshare app is off, but you’re using your car for personal reasons
Personal insurance
  • Bodily injury (BIL) and property damage liability (PDL) up to your policy limits
  • Comprehensive and collision coverage up to your policy limits (if you own a full coverage option)
Phase 1
Uber app is on, and you’re waiting for a request
Uber car insurance
  • Minimal contingent liability coverage
Phase 2 + 3
Accepting a ride request, until drop off
Uber car insurance

Phase 0

Phase 0 occurs any time your rideshare app is turned off and you’re in your car for personal use reasons. Your personal auto insurance policy will cover you at this stage with no additional protections from Uber’s insurance.

Phase 1

In this phase, the Uber app is on and you’re waiting for a ride request. You’ll have insurance via your personal car insurance and Uber, but coverage gaps are a big concern at this stage.
Uber only offers
liability insurance
during Phase 1, which includes:
It’s important to note that this 50/100/25 liability coverage won’t pay for any of your medical expenses or property damages to your vehicle. After an
at-fault accident
during this stage, you’ll be fully responsible for covering your medical bills, property damage expenses, and any other bills or damages that surpass the company coverage limits.

Phases 2 and 3

Once you accept a ride request, Uber ups your coverage from when you’re en route to pick up your rider until you drop them off at their destination. This additional coverage includes:
Depending on state laws, Uber may also provide drivers with other protections, such as
personal injury protection (PIP)
medical payments (MedPay) insurance
, at this stage of the rideshare process.

You will need more than Uber’s car insurance

While Uber provides extensive coverage for their drivers, there are still gaps that can appear when you’re transitioning between your personal policy in Phase 0 to when you’re waiting on a request in Phase 1. As a result, drivers should consider purchasing
rideshare insurance
Rideshare insurance offers additional insurance coverage during periods when rideshare drivers may not be protected by their company’s insurance policy. This type of coverage is most necessary when drivers are waiting for a ride request, as drivers experience limited coverage during this stage.
Rideshare coverage is often added to your existing car insurance policy, so contact your car insurance provider if you’re interested in adding it to your package.

How much does rideshare insurance cost?

Drivers can pay as little as $6 per month for rideshare insurance, but the average cost is closer to $30 per month. To find the best rideshare policy for you, it’s a good idea to shop around and compare rates using the
With Jerry, you can create a customized profile and then compare rates based on your individual driver needs and coverage requirements. The entire process from signup to a secured policy takes approximately one to two hours—but searching for quotes only takes minutes. 

The best companies for rideshare insurance

Several auto insurance companies offer rideshare insurance, including
State Farm
, and
. Take a look at the different programs available with each provider, and how they can service you while you’re on the clock.
Insurance company
Type of program
Location restrictions
Hybrid rideshare insurance policy that works in tandem with your personal car insurance policy.
Not available in AK, GA, HI, KY, MI, NC, NJ, NY, TX, or UT
Add-on policy option for existing policyholders.
Not available in AK, HI, IL, MA, NY, RI, or SD
Ride-for-Hire package that covers the $2,500 deductible
Not available in FL, MI, or NY
Customizable rideshare insurance package. Current Progressive policyholders must purchase it if they work for Uber.
Not available in AL, AR, AZ, CO, CT, DC, FL, GA, IA, ID, IL, IN, KY, LA, MA, ME, MI, MN, MO, MS, ND, NE, NM, OH, OK, PA, RI, SD, TN, TX, UT, VA, WA, WI, WV, or WY
Does not offer deductibles for gap coverage—policyholders will need to pay the Uber deductible if involved in a crash.
Only available in CO and IL
Can cost as low as $6/month. Does not offer gap coverage deductible.
Not available in NC, MI, MT, NM, NY, SC, or VA.


Does your personal insurance cover you when driving for Uber?

Your personal insurance policy may cover you when you’re not driving for rideshare services, but they can deny your claim if you get into an accident during Phase One, Two, or Three of the rideshare process without
rideshare insurance

Do you need rideshare insurance in California?

Rideshare drivers in
aren’t required to maintain either rideshare insurance or commercial auto insurance when driving for Uber. However, if you don’t have rideshare insurance in California and you get into an accident, your insurance company can deny your claim.

Do Uber and Lyft drivers need extra car insurance?

Drivers for rideshare companies like Uber and Lyft benefit from rideshare insurance, which can be added to an existing car insurance policy for as little as $6 per month.

Meet our experts

Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

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