Uber Eats Car Insurance: What to Know & How to Save (2022)

Uber Eats car insurance requirements obligate drivers to provide proof of personal car insurance. However, your car insurance is unlikely to provide coverage for accidents during deliveries. Uber Eats provides some of the best car insurance for drivers in the industry, but it may be beneficial to buy extra Uber Eats car insurance, such as delivery or rideshare insurance, a business use endorsement, or commercial car insurance.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Jun 17, 2022

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The Highlights

  • To become an Uber Eats driver, you must have personal car insurance
  • Uber Eats provides some coverage for its drivers depending on your status in the app
  • Personal car insurance is unlikely to cover you for an accident while you’re delivering for Uber Eats
  • You may want to purchase delivery or rideshare insurance, a business use endorsement, or commercial car insurance

Becoming an Uber Eats driver is relatively easy if you already meet your state’s car insurance requirements. However, being a delivery driver increases your risk of being in an accident, since you will likely be driving more often.

You may need to buy additional Uber Eats car insurance to make sure you’re covered for an accident that occurs while you’re making deliveries.

If you need help getting Uber Eats car insurance quotes, enter your ZIP code into our free quote comparison tool above.

What kind of insurance does Uber Eats require?

To become an Uber Eats delivery driver, you must already have personal car insurance. The Uber Eats insurance requirements obligate drivers to upload proof of their personal car insurance policy.

Uber Eats Deliver Driver Requirements
Driver RequirementsUber Eats Requirements
AgeAt least 19
Driving ExperienceValid driver's license and at least 1 year of licensed driving experience
Auto InsuranceValid and meets state minimum requirements
Personal RecordClean driving record with no major violations for the past 7 years and msut be able to pass a background check
SmartphoneNot Listed
Vehicle2 or 4-door vehicle at least newer than 1998
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You will also need to upload a copy of a valid driver’s license. If you do not have a license or personal car insurance, you will not be eligible to become an Uber Eats delivery driver.

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Does Uber Eats provide car insurance?

Uber Eats provides some of the best car insurance for their drivers in the industry. The amount of coverage you receive depends on your status as a delivery driver.

If you are in between deliveries and listed as available on the Uber Eats app, Uber provides third-party liability that will cover you if your car insurance doesn’t.

Coverage limits are $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.

If you are driving for a delivery (whether to pick it up or drop it off), Uber provides $1,000,000 in third-party liability and comprehensive car insurance coverage and collision car insurance coverage (if you hold your own) that will cover up to the value of your vehicle with a $2,500 deductible.

Uber Eats accident claims can be made by going to the app, clicking “Help,” finding “Trip Issues and Adjustments,” and then choosing “I was in an accident.”

Will my personal coverage cover an accident while delivering for Uber Eats?

In most cases, your car insurance will not cover you while you are driving for business purposes. Therefore, if you’re in an accident while making a delivery, it is likely your car insurance would deny this claim.

A few companies may allow you to have coverage if the miles you drive to deliver food do not exceed a specific percentage of the total number of miles you drive.

Regardless of whether your car insurance will provide coverage for delivery driving, you should still let your insurance company know that you drive for work or business purposes. If you don’t, the insurance company could end up canceling your policy altogether.

Should I buy Uber Eats car insurance?

Driving for Uber Eats without insurance is very risky. Even though Uber offers some of the best car insurance for delivery drivers, it may still leave gaps in coverage while you are making deliveries.

Finding an Uber Eats car insurance company is relatively easy as major car insurance companies recognize the growth in ridesharing and delivery driving as a side gig.

Many of the biggest car insurance companies now offer rideshare and delivery insurance that can provide coverage for Uber Eats drivers. Another option is to add an endorsement to your car insurance policy that will cover business use.

If you drive full time, you may benefit from something with more coverage, such as commercial car insurance. Talk with your insurance provider to see what your best options are.

Enter your ZIP code into our free quote comparison tool below to find affordable Uber Eats car insurance rates in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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