Does driving for Uber affect your insurance?

I was thinking about moonlighting with Uber to earn some extra cash. The only issue is that I’m worried it will increase my insurance rates and eat into my profits. Will driving for Uber affect your insurance?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Driving for Uber affects your
car insurance
by raising your rates for two reasons:
  • Increased mileage: Because driving for Uber results in increased mileage, it also results in increased potential for claims. 
  • Rideshare coverage
    : You’ll need to add rideshare coverage to your policy to ensure you’re covered at all times when driving for Uber. 
Uber’s coverage will take care of claims for accidents that occur while you’re actually chauffeuring passengers around. However, neither Uber’s insurance nor your personal insurance policy will cover you during the period in which you’re on the job, but you haven’t yet picked up your passenger—this is where rideshare coverage comes in.
Even though driving for Uber will result in increased insurance rates, it’s unlikely to consume all your profits. Good luck!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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