Insurance for rideshare trips

As required by law, you must maintain personal automobile insurance at mandatory minimum limits and provide proof of your insurance to drive with Uber. Uber maintains commercial auto insurance on your behalf for ridesharing activities when you’re driving on our platform. When you’re not driving with Uber, you maintain your own personal auto insurance. Coverage to repair your car when you’re en route or on a trip is contingent on your personal insurance including comprehensive and collision coverage.

Many personal auto insurers offer additional insurance for rideshare drivers, but this is not required for you to sign up to drive with Uber. Contact your insurance agent, broker, or company for details.

View more details on insurance currently maintained by Uber in your state for ridesharing by accessing Certificates of Insurance here.

You can also access the Certificates of Insurance in your Driver app. From the menu, choose Account, then select Insurance.

The insurance coverages and limits maintained by Uber, including uninsured/underinsured ("UM/UIM"), vary by state and have changed over time. Uber maintains UM/UIM for rideshare in states where it is required by law. Uber does not maintain UM/UIM for rideshare in every state. View more details on insurance currently maintained by Uber in your state for ridesharing by accessing Certificates of Insurance here.

Riders may have UM/UIM benefits available to them through their own insurance.

No. You’re responsible for your car maintenance.

If you drive for Uber and are commercially licensed to operate commercial vehicles, such as black cars, for-hire vehicles, limousines, livery vehicles, or taxis, you're required to have your own commercial auto insurance. For additional details, see here.

Expanding your personal auto insurance to include rideshare coverage could provide you with greater protection and get you back on the road faster in the event of an accident. Contact your insurance agent, broker, or company to learn about personal and commercial options.

If Optional Injury Protection is available in your state and you choose to purchase it, coverage is available to you and your family members in case you’re injured in an accident and can’t deliver. Optional Injury Protection covers disability payments, medical expenses with no deductibles, and survivor benefit payments for your family members. Learn more.

Vehicle Interruption Coverage (VIC) is designed to help people who deliver with Uber bounce back quickly and keep their momentum. If VIC is available where you deliver and you choose to purchase it, VIC provides a $2,500 lump-sum benefit if a covered accident or theft while delivering leaves your vehicle inoperable for at least 24 hours. Learn more.

We’re committed to doing what we can to keep these costs down for you and your customers. Legislative action is needed to curb the skyrocketing costs of rideshare insurance. Uber is leading advocacy efforts across the country to push for and pass commonsense legislative changes.

In 2023, for example, Georgia Governor Kemp signed an Uber-supported bill to lower rideshare insurance requirements. Immediately after that, Uber reinvested those savings to lower customer prices by approximately $0.75 per trip across the state.*

You can help. Sign up to take action in your state.

*Calculated on an average basis, from July to August 2023, following a decrease in insurance rates that Uber reinvested into reduced Booking Fees across Georgia trips.

We’re committed to everyone’s safety. For a brief overview of what to do when you're involved in an accident while on the Uber platform, watch this video or read the steps below:

For drivers

1. Ensure that everyone involved is OK. If there are injuries or damage, contact the police and paramedics. Be sure to save the police report number if there is one.
2. Take photos of any damage to the vehicles involved, including your own, and get the contact and insurance information of other involved drivers and riders. We recommend taking photos of the accident location, too, if it’s safe to do so.
3. The easiest way to report a crash is through the Driver app. Select the Safety Toolkit by tapping the blue shield symbol in the bottom left corner of the map, then tap Report a crash. Report what happened and submit your claim. Or to speak with our trained support staff, choose Safety from the Help section of your app, then select Safety Incident Reporting Line. You can also submit a crash report here.

Whichever path you choose, please complete this process as soon as it’s reasonable to do so.

After your claim is submitted, a notification will show up on your Driver app homepage directing you to the Crash Center. This is your go-to resource for contacting Uber’s insurer, viewing your claim’s status, seeing rental car options, and more.

For riders

Riders may report an accident here.

For other parties

Other parties may report an accident here.

No, it won’t. While your car is being repaired, you can explore available rental options on the Vehicle Marketplace to get back on the road. The Vehicle Marketplace is accessible through the Driver Crash Center. Get more details here.

For repairs to your vehicle, as long as you maintain comprehensive and collision coverage on your personal auto insurance, and as long as you were en route or on a ridesharing trip, 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. You must pay a $2,500 deductible before this coverage applies.³

Once you’ve accepted a ride request on the Uber platform, Uber maintains insurance on your behalf to cover the cost to repair your car, up to the actual cash value, with a $2,500 deductible (or may be $1,000 if you’re operating a vehicle obtained through the Uber Vehicle Marketplace), contingent on your personal insurance including comprehensive and collision coverage.³ This extra insurance maintained by Uber protects your car, no matter who’s at fault.

Please note that there’s no Uber-maintained collision or comprehensive coverage if (1) you’re offline, (2) you are online but haven’t yet accepted a trip, or (3) you don’t maintain comprehensive and collision insurance on your personal insurance policy.

If you don’t already have comprehensive and collision coverage, you may want to contact your personal auto insurance carrier to inquire about such coverage. You must maintain comprehensive and collision insurance on your personal auto policy to be eligible for comprehensive and collision insurance maintained by Uber. Rideshare-specific endorsements for additional coverage while operating on the Uber platform may also be available under your personal auto policy through your personal insurance carrier.

If you were online and available for a trip at the time of the accident, Uber maintains insurance on your behalf to cover your liability for the cost of property damage and injuries to riders and third parties involved in the accident in at least the following amounts:

While online and available for a trip:

• $50,000 per person and $100,000 per accident for injuries

• $25,000 in property damage per accident

While en route or on a trip:

• At least $1,000,000 for property damage and injuries to riders and third parties involved in an accident

In California, Uber maintains Occupational Accident insurance for rideshare drivers for 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. Occupational Accident insurance is provided automatically for California rideshare drivers, and no sign up is needed. Coverage includes medical expenses, disability payments, and survivor benefits. You’re not covered when driving your vehicle for personal use.

In Massachusetts, effective October 1, 2024, Uber maintains Occupational Accident insurance for Massachusetts rideshare drivers. Occupational Accident insurance is provided automatically for Uber drivers for accidents that occur while you’re online and waiting for a passenger trip in Massachusetts, or on the way to pickup a passenger in Massachusetts, or on a Rides trip originating in Massachusetts. No sign up is needed. Coverage includes medical expenses, disability payments, and survivor benefits. You’re not covered when driving your vehicle for personal use.

In Minnesota, effective January 1, 2025, Uber maintains Occupational Accident insurance for Minnesota rideshare drivers. Occupational Accident insurance is provided automatically for Uber drivers for accidents that occur while you’re on the way to pickup a passenger in Minnesota or on a rideshare trip originating in Minnesota. No sign up is needed. Coverage includes medical expenses, disability payments, and survivor benefits.

Washington rideshare drivers who sustain injuries while en route to pick up riders and during Rides trips may be eligible for workers’ compensation insurance coverage. Workers’ compensation insurance is provided automatically for Washington rideshare drivers during these periods, and no sign up is needed. Washington drivers and delivery persons remain eligible to enroll in Optional Injury Protection and pay a lower rate of $0.022 per mile, which will provide coverage while on-line (but before accepting a trip) and while completing deliveries. You’re not covered by workers’ compensation insurance when driving your vehicle for personal use.

For California drivers, you may submit a claim through the online form here or by calling 480-931-3573.

For Massachusetts and Minnesota drivers, you may submit a claim by providing written notice of a loss within 90 days of the accident through the online form here. To request a physical claim form, you may call 844-747-4681 (toll-free), 24 hours a day, 7 days a week.

For Washington rideshare drivers, drivers can file a workers’ compensation claim with the Washington Department of Labor & Industries. To file a claim call 1-800-547-8367 or click here.

Injury protection is insurance designed to protect drivers against covered injuries. This insurance provides benefits for medical expenses, disability, loss of life, and dismemberment while you’re online or on a trip. In 42 states, you may purchase Optional Injury Protection for $0.024 per mile ($0.022 per mile in Washington). Optional Injury Protection is not offered in all states. Learn more here.

For drivers with Optional Injury Protection, you may submit a claim within 20 days of the accident through the online form here. You may call 844-747-6221 (toll-free), 24 hours a day, 7 days a week, or email ondemandcf@intactinsurance.com.

In New York, the Black Car Fund, a not-for-profit corporation, provides workers’ compensation (including medical, compensation, death, and survivor benefits), health, and wellness benefits to New York for-hire and rideshare drivers. Through the Black Car Fund, for-hire and rideshare drivers are eligible for workers’ compensation benefits, telemedicine coverage, vision coverage, dental insurance, and discounted prescription, urgent care, and diagnostic imaging services.

Yes and there are a couple reasons why. First, many state governments put in place excessively high insurance requirements on TNC/rideshare platforms like Uber. For context, state-mandated commercial insurance requirements can be up to 50 times that of personal vehicles.

In addition, some states require rideshare drivers to be covered by a unique kind of insurance called “Uninsured / Underinsured Motorist Insurance” (UM/UIM). UM/UIM applies when other drivers are at fault. In some states, no other type of vehicle operator — personal, taxi, or commercial bus — has to buy insurance to cover accidents caused by another driver, let alone at the high limits sometimes required for TNC/rideshare platforms.

These high insurance limits have made the rideshare industry a target for personal injury lawsuits, even in cases where neither drivers nor Uber are at fault. Fraudulent claims and outsized settlements inflate costs, driving up insurance premiums year over year.

Uber’s U.S. mobility insurance costs have increased by more than 50% per trip over the past few years as of the end of Q1 2025.

Uber calculates “Est. commercial auto insurance” by estimating the risk-related costs of a given trip. The likelihood of a trip resulting in an accident varies based on a number of factors including distance, duration, location, time of day, and weather. For example, a trip on a rainy day is more likely to result in an accident than the same trip on a sunny day. This amount is not specifically tied to per-trip insurance costs, but the variation at the national level is typically minor.

"Operational expenses" is intended to account for the insurance related costs of various personal injury lawsuits, as well as the variation in the actual insurance costs relative to the amount shown.

Uber is leading advocacy efforts across the country to pass commonsense legislative changes that keep all trips covered while bringing down costs so more of the rider’s fare ends up where it belongs: in the driver’s pocket. By fixing TNC insurance requirements and reigning in lawsuit abuse, we will be able to ensure consumers are only paying for the protections they need, not profits for special interests and billboard lawyers.