How to Get an Uber Driver Auto Insurance Discount in 2024
Though Uber car insurance includes $1 million in liability, the company still requires drivers to get auto insurance. However, drivers can buy cheap Uber insurance by shopping around for companies offering a car insurance discount for Uber drivers. Read on to find the best Uber driver auto insurance discount.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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UPDATED: Feb 14, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- While Uber car insurance offers liability protection for drivers when they’re working, Uber drivers must carry their own policy to fill coverage gaps and qualify for the company’s comprehensive and collision coverages
- Uber driver auto insurance discounts vary by location and company, but you can find rideshare insurance at many companies
- Uber drivers can always compare quotes, coverage options, and available discounts to find the best company for their needs
If you recently started working as an Uber driver, you might be wondering whether you can get an Uber driver auto insurance discount for cheaper rates. Of course, Uber’s included car insurance covers $1 million in liability, but it leaves you with many coverage gaps. However, you’ll still need a personal rideshare insurance policy while driving for Uber.
If the app is on and looking for customers, Uber offers you certain liability insurance protections. However, Uber only covers comprehensive and collision claims if you’re on an active delivery or trip, meaning you’ll need rideshare insurance to cover you and your vehicle as an Uber driver.
Keep reading to learn more about types of auto insurance coverage with Uber, rideshare insurance, and how Uber drivers can save on their auto insurance.
How to Get an Uber Driver Car Insurance Discount
While Uber offers liability insurance coverage to its drivers, it leaves several coverage gaps that could lead drivers to pay certain expenses out of pocket, so drivers must look for rideshare insurance to fill those gaps. You can always find the best rideshare insurance by comparing cheap quotes and Uber driver auto insurance discounts.
First, we’ll look at the insurance coverage Uber offers to its drivers for free.
Uber Driver Auto Insurance Coverage
If an Uber driver is available and waiting for a ride or delivery request, the company offers the following liability car insurance protections for free if your personal policy doesn’t apply:
- $50,000 in bodily injury liability auto insurance per person
- $100,000 in bodily injury per accident
- $25,000 in property damage per accident
In addition, Uber covers drivers with up to $1 million in liability protection if they’re on a trip or en route to pick up passengers or a delivery. In this scenario, Uber also includes comprehensive auto insurance and collision auto insurance subject to a $2,500 deductible, but you must have personal insurance to qualify for them.
So what coverage gaps should Uber drivers be worried about if they don’t have rideshare insurance? Suppose you get into an accident while waiting on a ride request and don’t have rideshare insurance. Since Uber only offers liability protection while waiting on a ride, you’ll be left paying out of pocket for your vehicle damage and medical expenses.
Rideshare Auto Insurance Coverage
When you buy a personal auto insurance policy, it covers you when driving for personal reasons. However, if you only have a personal policy without rideshare insurance, you won’t be covered if you get into an accident while driving for Uber.
If you’re looking for an auto insurance discount for Uber drivers to save on rideshare insurance, insurance companies offer many savings geared toward Uber drivers. For example, Uber drivers with a personal auto policy and rideshare insurance may qualify for a multi-policy discount. In addition, new vehicles with certain safety features could be eligible for a safety feature discount.
Since Uber drivers are frequent drivers, they may also qualify for a good driver discount if they have good driving habits and no accidents. Take a look at the table below to see how much you could pay for Uber rideshare car insurance coverage from the top companies:
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | Under $2 per month |
| Erie | $9 to $15 per month |
| Farmers | $13 to $20 per month |
| Geico | $7 to $14 per month |
| Liberty Mutual | $12 to $19 per month |
| Mercury | $27 per month |
| Nationwide | $11 to $18 per month |
| Progressive | $8 to $15 per month |
| Safeco | $10 per month |
| State Farm | 15% - 20% of auto insurance policy |
| USAA | $6 per month |
Rideshare insurance offers the affordable protection Uber drivers need to do their job, and insurance companies offer various auto insurance discounts geared toward them, so look around for an Uber driver auto insurance discount to find a rideshare insurance policy to fit your needs and budget.
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Companies With the Best Auto Insurance Discounts for Uber Drivers
There’s no single company that offers the best auto insurance for Uber drivers since rates vary by insurance company, driving profile, and discount eligibility. While a company might offer several discounts designed for Uber drivers, that doesn’t mean they offer the lowest rates.
For instance, while Farmers auto insurance offers safe driving, bundling, and good student discounts to lower Uber driver rates, the company has higher-than-average starting rates, so always get a quote to know exactly what you’ll pay.
Some common Uber driver discounts offered by various insurance companies include:
- New car auto insurance discount
- Good student auto insurance discount
- Good driver auto insurance discount
Insurers consider various factors that affect auto insurance rates, and each company weighs those factors differently. Common factors companies consider are age, gender, driving history, location, and more. So, while one company may offer several discounts for Uber drivers, it might also have higher-than-average starting rates.
Other Ways to Save on Your Uber Driver Auto Insurance Policy
There are various ways for Uber drivers to save on their car insurance, such as:
- Increasing deductibles. Your auto insurance deductible is the amount you pay out of pocket before your insurers pays out a claim. The higher your deductible, the lower your Uber car insurance cost. However, you shouldn’t raise it beyond an amount you can’t afford.
- Improving your credit. You might wonder how credit scores affect auto insurance rates for Uber drivers. Insurers consider auto insurance policyholders with poor credit as high-risk drivers, so they pay higher premiums. Increase your credit score for cheaper Uber insurance prices.
- Consider coverage options. The more coverage you have, the higher your rates will be. Evaluate the coverages you have and see if you can drop any.
Comparing companies and quotes is essential to finding the best Uber driver auto insurance discount. Shop around with different insurers to see which ones offer discounts.
Tips on Finding an Uber Driver Auto Insurance Discount
While finding an Uber driver auto insurance discount is a great way to find low rideshare insurance rates, there are other tips you can follow to bring your cost down. Refer to the list below to see how you can save even more:
- Compare auto insurance quotes. Always evaluate auto insurance quotes from multiple companies to find the lowest rates. While a company with various discounts might be attractive, those savings could be obsolete if the company has high starting rates.
- Research customer reviews. You should also seek out companies with good customer service and claims handling.
The best rideshare insurance company for you is one that offers the coverage you need at a price that fits your budget. Compare quotes and coverage options to find the best Uber driver auto insurance discount.
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More About How to Get an Uber Driver Auto Insurance Discount
Uber drivers looking for the best Uber driver auto insurance discount should do some research to find a company offering various discounts geared toward them.
Driving for DoorDash or UberEats 🚘can be a great way to earn money, but an accident could become an insurance nightmare with the wrong car insurance. https://t.co/27f1xf131D has written a guide📑 for delivery drivers, and you can check it out here👉: https://t.co/tvMtEK88hn pic.twitter.com/iWpsHmj2ot
— AutoInsurance.org (@AutoInsurance) August 15, 2023
However, while a company might have several discounts, it might not have the lowest rates, so always compare cheap quotes across various Uber car insurance companies before deciding on coverage.
Frequently Asked Questions
Can Uber drivers get auto insurance discounts?
Yes, Uber drivers may be eligible for various auto insurance discounts, like good driving and safety feature discounts. They also have access to several other discounts and perks for gas, phone plans, car maintenance, and rentals.
Does Uber actually check insurance on your car?
When Uber receives a request to verify auto insurance, they will look up the insurance coverage for the driver listed.
Do I need to tell my insurance I drive for Uber?
Yes, you should inform your auto insurance company if you plan to drive for Uber. Since Uber driving is a commercial activity, you’ll need rideshare insurance to cover you while driving for Uber. Your personal auto insurance policy may not cover you if you get into an accident while working.
How can I get an Uber driver car insurance discount?
To get an Uber driver car insurance discount, you should consider purchasing rideshare insurance to fill the coverage gaps left by Uber’s insurance. Shop around and compare quotes from different insurance companies to find the best rideshare insurance policy that suits your needs and budget.
Is Uber optional insurance worth it?
If Uber drivers don’t have rideshare insurance, they should be concerned about coverage gaps while waiting for a ride request. In such cases, Uber only offers liability protection, leaving drivers responsible for their vehicle damage and medical expenses.
What is rideshare insurance?
Rideshare insurance is a type of auto insurance that provides coverage for drivers who work for ride-hailing or rideshare services like Uber and Lyft. It fills the coverage gaps that exist between personal auto insurance policies and the insurance provided by rideshare companies.
What are the best auto insurance companies for rideshare insurance?
The best auto insurance companies for rideshare insurance can vary based on individual needs and preferences. However, some popular options to consider include companies like Geico, State Farm, Allstate, Progressive, and Farmers. It’s important to compare quotes, coverage options, and discounts from multiple insurers to find the best fit for your specific rideshare insurance needs.
How else can Uber drivers save on auto insurance?
Uber drivers can save on auto insurance by exploring discounts specifically designed for them, such as multi-policy discounts, safety feature discounts for new vehicles, and good driver discounts. Shopping around with different insurers and comparing quotes is also essential to finding the best Uber driver auto insurance discount. Use our free quote tool to compare rates from multiple top-rated providers.
What tips can help in finding an Uber driver auto insurance discount?
In addition to seeking an Uber driver auto insurance discount, you can save more by comparing quotes, maintaining a good driving record, bundling insurance policies, and taking advantage of other discounts offered by insurance companies. Finding the best rideshare insurance company requires considering the coverage you need at a price that fits your budget.
What are the perks of being an Uber driver?
As an Uber driver, one of the most significant perks you get is flexibility in scheduling. You can choose when you want to work, and you can work as long as you’d like.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.