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Every trip is insured

Policies that help drivers

Our insurance policies work with your personal insurance coverage to protect you whenever you’re driving with Uber. Here’s how it works.

How it works

Insurance for rideshare drivers with Uber

Offline or the Driver app is off

Your chosen personal insurance company and coverages apply

Available or waiting for a ride request

Uber maintains the following auto insurance on your behalf in case of a covered accident:

Third-party liability if your personal auto insurance doesn’t apply¹

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

En route to pick up riders and during trips

Uber maintains the following auto insurance on your behalf in case of a covered accident:

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury²
  • Contingent comprehensive and collision³
    • Up to actual cash value of car ($2,500 deductible). Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible.

On trip

When you’re on a trip, your liability to third parties is covered by Uber’s $1 million insurance policy. It covers each and every incident that occurs between accepting a trip and reaching the rider’s destination.

$1M Liability

Our commercial insurance policy covers drivers’ liability to riders and takes precedence over any personal auto coverage.

Uninsured/Underinsured Motorist Coverage

If another motorist causes the accident but doesn’t have adequate insurance, this policy covers bodily injury of anyone in the rideshare vehicle.

Contingent Collision and Comprehensive¹

As long as a rideshare driver has personal collision or comprehensive insurance, this policy covers physical damage that occurs during a trip and is subject to a deductible.

Between trips

Even when you haven’t yet accepted a trip, Uber provides a 3rd party liability policy that meets or exceeds the third party liability insurance requirements of every US state.

Liability (When Necessary)² $50,000/$100,000/$25,000

Covers bodily injury up to $50,000/individual/accident with a total of $100,000/accident and up to $25,000 for property damage.

Offline

Drivers are required to maintain personal automobile insurance that meets state regulations where they want to drive.

Commercial coverage for Uber. Black, Uber SUV and Uber Taxi

All Uber Black, Uber SUV, and Uber Taxi rides are provided by commercially licensed and insured partners and drivers. Those transportation providers are covered by commercial insurance policies in accordance with local and state requirements.

Dedicated to safety

When you drive with Uber, you get 24/7 driver support and insurance coverage. And all riders are verified with their personal information and phone number, so you’ll know who you’re picking up and so will we.

Get help

Let’s make every Uber trip hassle-free. Our support pages can help you set up your account, get started with the app, adjust fares, and much more.

¹ Pay for damage to your vehicle if you maintain auto insurance that includes collision coverage for that vehicle.
² We maintain automobile liability insurance on your behalf if you do not maintain applicable insurance of at least this amount.

Note: Additional coverage will be provided where required by state and local laws. At least this much coverage is provided in all US states for drivers while operating personal vehicles under the transportation network company model.

The information provided on this web page is intended for informational purposes only and may not be applicable in your country, region, or city. It is subject to change and may be updated without notice.