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Uber Eats Auto Insurance (Rates & Requirements)

Things to remember...

  • In order to comply with Uber Eats vehicle requirements, drivers must have commercial auto insurance in order to be financially protected in case of an accident.
  • Uber Eats company insurance coverage might not be appropriate or adequate for some drivers.
  • Drivers should look into buying their own Uber Eats commercial auto insurance policy in order to acquire coverage that satisfies Uber Eats vehicle requirements.

While driving for Uber Eats can be a great way to make money, getting into an accident delivering food for Uber Eats can be stressful.

Will my auto insurance cover me if I get into an accident delivering food? Is there specific food delivery auto insurance? If Uber drivers aren’t prepared beforehand with the right Uber Eats auto insurance, a collision could cost them more money than their earnings on the Uber platform.

We don’t want this to happen to you, so we put together a comprehensive guide on what types of Uber Eats auto insurance coverage you need in case you are in an Uber Eats accident.

Want to start finding cheap auto insurance quotes online that will cover accidents delivering food for Uber Eats today? Enter your ZIP code in our free tool above for affordable Uber Eats auto insurance.

Are there any Uber Eats insurance problems you should know about before committing? Learn now.

Table of Contents

What type of auto insurance do I need for the Uber Eats business?

What is Uber Eats? This company extends the type of work drivers can perform for the company. The most well-known job working for Uber involves using your own personal car as a private taxi to take people to their desired destination.

During the application, drivers need to submit documents such as a valid driver’s license, proof of vehicle registration, proof of vehicle insurance, and proof of residency if required.

While ridesharing can prove to be lucrative, not everyone wishes to run long trips or deal with drunk passengers. Uber Eats, a food delivery service, provides an alternative for drivers wishing to make money with Uber but not wanting to take part in ridesharing.

Uber Eats competes with other popular delivery services and performs the same function as those competitors do. Uber Eats drivers accept delivery requests, pick up food at an affiliated eatery, and then deliver the order to the location of the customers. Driver payment is based on distance and travel time.

Those consistently working busy times during breakfast and lunch hours should probably make a decent amount of money per day. Unfortunately, traveling during traffic-heavy times of the day comes with higher accident risk.

Drivers rushing around at noon in a busy shopping mall parking lot or on major streets at full capacity face hazards. Hopefully, as an Uber Eats driver, you have the right auto insurance for food delivery drivers in place to cover you if an accident occurs.

However, most drivers aren’t sure if their auto insurance covers driving for Uber. Keep reading to find out what coverages satisfy Uber Eats active driver requirements.

Do I need extra insurance for Uber Eats?

Most drivers wonder if they need extra insurance for Uber Eats or what types of auto insurance meet Uber Eats insurance minimum requirements.

Uber Eats Delivery Partner should take out a personal auto insurance policy that covers the commercial use of a car. Personal use and business/commercial use are two completely different things. Your insurance coverage must meet Uber Eats requirements.

Not purchasing a commercial policy when working for Uber Eats or using the vehicle for any type of delivery or ridesharing work could leave you without coverage. You must have proper food delivery insurance coverage.

Insurance company representatives commonly ask about the business use of your vehicle when you purchase a policy or request a quote.

Online comparison shopping may lead to finding awesome rates, but the rates for business use of a car will still be higher than ones for personal use.

Risk increases due to the following:

  • Frequency of driving
  • The time you drive
  • Where you drive
  • Distraction issues related to keeping an eye on the order and the GPS

Driving for Uber Eats with an original insurance policy purchased long before using the vehicle for business can prove disastrous. The average person, however, might not be familiar with insurance rules or what defines “commercial use” of a vehicle.

A common mistake is to assume only a vehicle used for business 100% or a car owned in the name of a business requires a commercial policy. Not so.

Any time a vehicle takes to the road to perform deliveries for pay, the car engages in commercial use.

If the driver gets into an accident while delivering food for Uber Eats, any claim made on a standard auto policy won’t be approved. Personal auto insurance won’t cover business use.

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Does Uber Eats provide auto insurance coverage?

Uber does provide insurance for drivers, but there are some complicated rules associated with insurance requirements for Uber Eats.

The coverage actually provides different coverage when the Uber Driver app is on when picking up/delivering food. According to RideShareNews.org, the Uber Eats insurance policy provides the following when drivers are between deliveries:

UberEATs Coverage Limits Between Deliveries
UberEATs Coverage Between Deliveries Coverage Limit
Bodily Injury Liability $50,000 for one person/$100,000 for more than one person in a single accident
Property Damage Liability $25,000 for all property damage

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When actually performing work for Uber Eats, auto liability coverage of $1 million kicks in.

Contingent comprehensive and collision coverages take effect when you already carry them on your own personal policy. While all this coverage sounds valuable, there are issues to worry about.

Is Uber Eats insurance coverage bad for drivers?

First, if you are driving around with the app on and relying on the $50,000/$100,000/$25,000 coverage amounts, you probably are woefully underinsured. Make one mistake while driving and you may find yourself in a lawsuit.

The suit could involve hundreds of thousands of dollars in damages. Even with Uber Eats’ insurance covering $100,000 in losses, you would be responsible for any amount over that.

The $1 million in insurance coverage sounds generous, but what if Uber denies the claim? The answer is you find yourself personally responsible for any losses.

Carrying your own appropriate commercial insurance policy might be a better plan.

The presence of Uber’s contingent comprehensive and collision coverage does help. What is the difference between collision and comprehensive auto insurance?

Collision coverage pays for damages to your car when you cause the accident. Comprehensive coverage pays for damages to your vehicle outside of collision events.

Theft or arson would be examples of covered perils. Uber’s coverage, however, comes with a $1,000 deductible. You would be responsible for the first $1,000 in damages to the car. With your own policy, that coverage amount could be lowered to $500.

With Uber Eats, you can drive a very old model vehicle. Conceivably, the resale value of a 15-year-old vehicle might only be $1,200 or so. Therefore, it is not difficult for your vehicle to meet Uber Eats eligible vehicles requirements.

Paying $1,000 out of $1,100 in repairs to such a vehicle wouldn’t be a great deal. Take this as another reason to focus on buying the best commercial auto insurance policy.

Uber Eats’ insurance does not cover incidents involving uninsured/underinsured drivers. These parties could cause serious damage to your vehicle or even cause major bodily harm.

Procuring coverage to address uninsured/underinsured drivers should be a priority for anyone who spends a lot of time on the road.

How do you get auto insurance for Uber Eats?

Uber Eats auto insurance quotes, personal and commercial, can be requested online with minimal effort. Asking for several quotes increases the chances of acquiring excellent auto insurance.

Through reviewing five or so quotes, you can check out auto liability options, deductible amounts, and more. Once you have selected a top-quality commercial auto insurance policy, you can drive safely knowing you’ve met Uber Eats driver requirements.

Just make sure to let the insurance company know about the Uber Eats work. You want the right policy in place at all times. Otherwise, you risk not being covered when something bad happens.

Frequently Asked Questions: Uber Eats Auto Insurance

There are still a few quick topics we want to gloss over before we leave you, as auto insurance requirements for Uber Eats can be a confusing topic.

#1 – Why does Uber Eats need my insurance information?

You must have auto insurance in order to meet Uber Eats driver requirements, so Uber requires proof of insurance if you don’t buy a policy through Uber Eats.

#2 – Can you drive for Uber Eats without insurance?

No. Driving without insurance is illegal, and you could face serious consequences if you get into an accident while delivering food and haven’t met the necessary auto insurance requirements for Uber Eats.

#3 – Do I need to tell my insurer I drive for Uber Eats?

Yes. You need to talk to your insurer and buy commercial coverage to drive for Uber Eats. If your insurer isn’t aware you are driving for Uber Eats and you don’t have the right coverage, your insurer won’t cover you in an accident.

#4 – Do I have to report an accident to Uber Eats?

If you were in an accident while delivering food for Uber Eats or were in an accident with an Uber Eats driver, you should fill out an Uber Eats accident report.

However, all insurance claims should be turned into your personal insurer (unless you have insurance through Uber Eats).

#5 – Does Uber Eats increase your insurance?

Yes. You have to purchase additional coverages to meet Uber Eats requirements, which means your insurance coverage will increase. Your rates may also become higher unless you take the time to shop around for coverage rates.

Ready to start shopping for Uber Eats auto insurance coverage that covers driver accidents delivering food? If you are ready to buy Uber Eats auto insurance, enter your ZIP code below to compare Uber Eats auto insurance quotes for free today.


  1. https://www.uber.com/newsroom/insurance-for-delivery-partners-operating-on-the-ubereats-app/

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