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Auto insurance to help protect you

When you drive with Uber, we maintain auto insurance on your behalf. Leading auto insurance providers help protect you and your riders in the event of a covered accident.

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 with a $2,500 deductible (Effective 3/1/2021)
    • Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible

Insurance for delivery couriers*

Offline or the Driver app is off

Your chosen personal insurance company and coverages apply

Available or waiting for a delivery 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 apply

  • $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 deliveries and during trips

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

  • $1,000,000 third-party liability
  • Contingent comprehensive and collision
    • Up to actual cash value of car with a $2,500 deductible (Effective 3/1/2021)
    • Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible

*Excluding accidents occurring in New York State

Terms to know

Third-party liability insurance

Insurance for bodily injury and property damage caused to a third party and arising from a covered accident. A third party is someone or something other than yourself or your vehicle.

Uninsured/underinsured motorist bodily injury insurance

Insurance for injuries to you and your riders if a covered accident occurs during an Uber trip and another driver is at fault and doesn’t have sufficient insurance. This insurance also may apply in the case of a hit and run.

Contingent comprehensive and collision insurance

As long as you maintain comprehensive and collision coverage on your personal auto insurance, Uber maintains insurance on your behalf that will kick in to provide protection for physical damage to your car up to its actual cash value, regardless of who is at fault. There is a $2,500 deductible that you must pay first before this coverage applies. Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible.

Rideshare and delivery insurance

Although Uber maintains commercial auto insurance on your behalf while you’re online on the Driver app,* expanding your personal auto insurance to include rideshare and delivery insurance coverage could help protect you even more. Some of the insurers in your state will also match your lower personal coverage deductible when you purchase comprehensive and collision coverage, which can get you back on the road quicker.

These personal auto insurance carriers offer additional rideshare/delivery coverage options in your state:

    • Extends your personal auto insurance into the time you're online with Uber waiting for a trip
    • Matches your deductible while you’re online with Uber if you purchase comprehensive/collision protection for damages to your car
    • Includes roadside assistance and rental coverage
    • Provides coverage for delivery activities
    • Extends your personal auto insurance into the time you're online with Uber waiting for a trip
    • Provides coverage for delivery activities
    • Extends your personal auto insurance into the time you're online with Uber waiting for a trip
    • Includes roadside assistance and rental coverage
    • Provides coverage for delivery activities
    • Extends your personal auto insurance into the time you're online with Uber waiting for a trip
    • Provides coverage for delivery activities
    • Extends your personal auto insurance into the time you're online with Uber waiting for a trip
    • Matches your deductible while you’re online with Uber if you purchase comprehensive/collision protection for damages to your car
    • Extends your personal auto insurance into the time you're online with Uber waiting for a trip
    • Matches your deductible while you’re online with Uber if you purchase comprehensive/collision protection for damages to your car
    • Includes roadside assistance and rental coverage
    • Extends your personal auto insurance into the time you're online with Uber waiting for a trip
    • Matches your deductible while you’re online with Uber if you purchase comprehensive/collision protection for damages to your car
    • Includes roadside assistance and rental coverage
    • Provides coverage for delivery activities
    • Extends your personal auto insurance into the time you're online with Uber waiting for a trip
    • Includes roadside assistance and rental coverage
    • Provides coverage for delivery activities

If you’re ever in a crash

Step 1

Check that you, your rider, and other parties are safe.

Step 2

Call 911 if necessary.

Step 3

Contact Support in the app by going to Help, then Trip Issues and Adjustments, and I was in an accident. You can also submit a crash report here.

Beyond what Uber maintains on your behalf

Optional Injury Protection

Benefits include disability payments, no deductible on medical expenses, and survivor benefits. Offered through Aon, this program gives you the option of extending coverage to minimize the impact an accident could have on you and your family.

For commercial partners

As a commercial driver such as a licensed private-hire vehicle, black car, or limo, you must be insured to drive commercially with Uber. To provide riders with at least the same level of protection as on trips with non-commercial drivers, we may maintain insurance above your commercial insurance, when necessary.

Top questions from drivers

  • Uber maintains auto insurance designed for ridesharing on your behalf when you’re driving on our platform. When you’re not driving with Uber, you would look to your personal auto insurance. Many personal auto insurers offer rideshare insurance endorsements that include additional coverage for rideshare drivers, but this is not required for you to sign up to drive with Uber. Contact your insurance company for details.

  • No, as an independent contractor you’re responsible for your car maintenance.

  • No, it won’t. As long as you maintain comprehensive and collision coverage on your personal auto insurance, the insurance that Uber maintains on behalf of drivers will kick in. If applicable, this insurance goes toward repairs and replacement for your car up to its actual cash value. There is a $2, 500 deductible that you must pay before this coverage applies.

  • How much you’re insured for depends on when your accident occurred. Here’s a breakdown:

    You’re insured for liability to a third party if you’re in a covered accident where you’re at fault and you’re online but haven’t received a trip request yet. Coverage is at least $50,000 in injury liability per person, $100,000 in total liability per accident, and $25,000 in property damage liability per accident.

    If you’re in a crash where you’re at fault and you have already accepted a ride request, you’re insured for the following in case of a covered accident:

    1. Your liability to a third party (at least $1 million).

    2. Collision and comprehensive coverage. If your personal insurance already includes this coverage, the insurance that Uber maintains will take its place for damage to your vehicle (subject to a $2, 500 deductible).

  • Once you’ve accepted a trip, Uber maintains Uninsured or Underinsured Motorist Bodily Injury coverage on your behalf. This protection may apply to cover bodily injuries when someone else is at fault and they don’t have enough insurance or in a case of a hit and run.

  • These terms are defined by the insurance policy. For example, property damage is often defined as damage to or loss of use of tangible property, while bodily injury is often defined as injury, sickness, or disease sustained by a person, including death resulting from any of these.

  • We’re committed to everyone’s safety. If you’re involved in an accident, follow these steps:

    1. Check that all parties involved are safe.
    2. Notify the police and paramedics if necessary.
    3. Contact us in the Help section of the Driver app. Select Trip Issues and Adjustments, and then select I was in an accident.
    4. You can also speak directly with a trained agent by going to the Help section of your Driver app and tapping Call Support.
  • Some people who drive with Uber are commercially licensed and insured for limousine, livery, black car, or private hire. Coverage for vehicle damage and liability arising from those trips is covered by their commercial automobile insurance.

  • It is Insurance designed to protect drivers and delivery persons against covered injuries. This insurance provides benefits for medical expenses, disability, loss of life and dismemberment.

  • You do not need to sign up or pay for Injury Protection in California. Uber purchases the coverage on your behalf as part of the benefits provided to you under Prop 22.

  • Yes, you are eligible for Injury Protection even if you are enrolled in Optional Injury Protection. You can stay enrolled in Optional Injury Protection insurance and will not be charged for miles driven that are covered by Injury Protection effective 12/16/20. Note if the covered injury occurs when the insured person is covered under both Injury Protection and Optional Injury Protection programs, only one policy will pay benefits, the policy with the largest benefits.

  • The rideshare insurance provided by Uber is designed to cover drivers and delivery persons for liability to 3rd parties, meaning protection from having to compensate others for bodily injury and property damage. This rideshare insurance generally does not cover your injuries. For more information, read Uber’s overview of insurance for drivers above.

  • Injury Protection is currently only available to drivers while: accidents that occur while you’re online and waiting for a trip in California or on the way to a pickup or on a trip originating in California
    You are not covered when driving your vehicle for personal use.

    However in many other states, Uber offers Optional Injury Protection, learn more here.

  • Should you submit a claim to Uber that includes details of an injury occurring on or after December 16, 2020 Uber will inform the insurance company underwriting the coverage - Homeland Insurance Company of New York. You may also contact Homeland Insurance Company of New York 24 hours a day, 7 days a week, at 844-747-4681(toll-free).

  • For a detailed Explanation of Coverage including benefits, terms, limitations and exclusions, please click here.

    NOTE: This FAQ is for informational purposes only. All Coverages are subject to the policy terms, conditions, limitations and exclusions. If there is a conflict between the information shown here or the actual insurance policy, the policy prevails. The policy is underwritten by Homeland Insurance Company of New York. Uber is not an insurance provider and is not performing any insurance services.

Certificate of Insurance

A Certificate of Insurance provides important information about the coverage that Uber maintains on your behalf. You can find your Certificate of Insurance in the Driver app by tapping Account in the app menu, then Insurance, and tap on a coverage. You can also download it by tapping below.

Accident claims

If you are involved in an accident while driving with Uber, the easiest way to report a crash is through the app. To get back on the road faster, we suggest taking photos of damage to your vehicle and other vehicles involved, as well as obtaining the insurance information of other drivers involved.

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 We maintain automobile liability insurance on your behalf if you do not maintain applicable insurance of at least this amount.

² Uninsured/underinsured motorist bodily injury limits vary by state.

³ May apply to damage to your vehicle as long as you have personal insurance that includes comprehensive and collision coverage for that vehicle to cover you while you’re not using the Driver app.

⁴ For Missouri Enrollees: Premium rates may differ based on the mode of transportation used for delivery. Rates are calculated on the basis of experience within the entire group. Individual coverage will not be cancelled or non-renewed due to the deterioration of the health of participants. Any change in premium rates will be communicated to the Policyholder and the approved Platform Operator with written notice sixty (60) days in advance of the premium due date.

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