Auto Insurance for Uber Eats Drivers: What To Know

While you’re covered by Uber Eats insurance while active on the app, your coverage can vary. Read on to learn everything delivery drivers need to know about Uber Eats auto insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 14, 2022

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Things to remember...

  • Uber Eats provides third-party liability coverage while active in the app
  • Coverage limits vary depending on if you’re waiting for a delivery or en route to one
  • Always check with your insurer to make sure you’re fully covered whenever you drive

Are you delivering food with Uber Eats? The app’s insurance will partly cover you, but make sure you know all the requirements for Uber Eats insurance

What kind of car insurance is required for Uber Eats? 

To drive for Uber Eats, you need to have personal car insurance coverage that meets the minimum coverage requirements in your state. In addition, you’ll have to upload online proof of insurance before your account is approved. 

Many Uber Eats drivers purchase additional insurance coverage to ensure they’re protected while working in the app, but Uber does not require this.

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Does Uber Eats insurance cover accidents?

Uber Eats maintains third-party liability auto insurance coverage for drivers while using the app. The coverage limits depend on whether you’re waiting for a delivery request or are actively working on an order. 

Remember, Uber Eats insurance only applies when the app is on, and you are available as a driver. 

When you’re waiting for a delivery, Uber Eats insurance offers these third-party liability limits: 

  • $50,000/$100,000 in bodily injury liability per person/per accident
  • $25,000 in property damage liability per accident

When you’re driving to and from a delivery location, Uber Eats coverage includes:

  • $1,000,000 in combined third-party liability insurance
  • Comprehensive and collision if your personal auto insurance consists of this coverage

If you live in California, Uber Eats will also cover personal injury protection insurance, which can include medical expenses, survivor benefits, and disability payments in the event of an accident. 

Uber Eats insurance doesn’t apply for accidents in New York State. So if you drive for Uber Eats in New York, you’ll need to make sure your personal car insurance policy covers any accidents that may happen while driving for the app. 

Should I buy extra car insurance when driving for Uber Eats?

Uber Eats insurance only provides liability coverage, which only covers injuries and damage to the other driver and vehicle. If you’re injured or your car is damaged, Uber Eats will not pay for your medical expenses in 49 states. 

Check with your insurer to see if your personal auto insurance policy will cover you while driving for Uber Eats. Many states or insurance companies will require you to purchase commercial or rideshare insurance to cover these situations. The risk assessment is different when you drive a car for business use rather than for personal reasons. 

Even if you’re not required to purchase commercial insurance coverage, extra protection for you and your vehicle may be a smart choice. For example, adding comprehensive or collision coverage to your personal policy will help pay for damages in other car-related incidents, like property collisions or vandalism

The Bottom Line on Uber Eats Auto Insurance

Uber Eats insurance protects other drivers and vehicles if you’re in an accident while delivering food through the app, thanks to their third-party liability coverage. But unless you live in California, you won’t have coverage for your injuries while working for Uber Eats. Therefore, check if your insurer requires commercial coverage so you are protected while you drive.

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