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Does driving for Uber increase insurance?
I want to drive for Uber because I was laid off from my job. I know it’s an independent contractor position, so I have to pay taxes, gas, maintenance, and insurance. The only thing I’m not sure about is if it will alter my insurance rates. Will driving for Uber increase my car insurance?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about your job! Fortunately, Uber is an excellent way to supplement your income or as a permanent position if you like doing it. However, driving for Uber increases insurance for two main reasons:
- You’re going to drive more miles. As a result, your insurer sees you as a higher risk tofile a claimand therefore increases your insurance premiums to account for the increased risk.
- You’re going to needrideshare insurance. This isn’t mandatory, but it’s a nice policy to have for peace of mind. Plus, it only costs a few bucks a month.
Keep in mind that Uber also has an insurance policy that covers:
- $1 million third-party liability
- Uninsured/underinsured motorist bodily injury and/or first-party injury insurance
- Contingent comprehensive and collision, up to actual cash value of the car with a $2,500 deductible
These are superb bonus coverages, but having your own insurance is still required by law for personal use.
Uber is a great way to earn some extra cash, but don’t let an expensive car insurance policy curtail your earning power. Instead, shop for an affordable car insurance policy with the
Jerry
app.Jerry is a licensed insurance broker that will collect quotes from over 50 top-rated insurers in minutes. After you find a great rate, Jerry can help you buy new insurance and cancel your old policy. Users save an average of $887 per year.
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- Gregory R.
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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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