Best Car Insurance Company That Covers Uber Drivers (2024)

If you’re starting as an Uber driver, you’ve got to get some things in place first. One of the most important steps is to compare car insurance carriers that cover Uber.

But do you really need to buy a new auto policy if you already have car insurance? What about Uber’s own $1 million auto insurance coverage, will that be enough?

This guide will help you answer these questions and more so that you can get on the road with confidence.

You don’t have to wait to find auto insurance quotes from car insurance companies that cover Uber. Simply enter your ZIP code into our free tool above to compare quotes from local providers.

What are the best companies for Uber car insurance?

Ridesharing is a new concept that’s become more and more popular, so several insurance companies are now offering coverage options for people that are rideshare drivers.

Here are the car insurance companies that provide rideshare insurance for Uber and other rideshare companies by state:

Ridesharing Insurer Coverage Availability by State

Read more: Best Car Insurance for Rideshare Drivers

GEICO and Allstate are known for their coverage of Uber drivers and also provide coverage in many states across the country. You can read GEICO insurance reviews to see which company may be best for you.

What does Uber insurance cover?

Your current plan may offer some coverage if you decide to drive for Uber or any other ridesharing service. While it’s up to you to inform or not inform your insurer that you are a rideshare driver, it’s always best to be honest with your insurance company.

Uber advertises itself as having a $1 million insurance policy. What that means in practice isn’t so simple.

Uber’s insurance will only cover you as a driver when the app is on, and it is just basic liability insurance. When carrying a passenger, a higher level of coverage will be active until the ride is over. When the app is off, your own insurance is active.

How much is car insurance for ridesharing with Uber?

Uber drivers and passengers need to be covered by insurance and it doesn’t have to cost much like a standard auto policy. There are definitely affordable options worth considering, and in the event of an accident, you don’t want to be uninsured or underinsured. Be sure to inquire about any additional coverage, insurance discounts, and other things that can help to lower your auto insurance rates. 

If you lie to your insurance provider about your Uber driving, you risk losing your entire policy. There are also car insurance companies that don’t cover Uber, so take a look at your current policy to see if you’re covered. If not, you may need to buy car insurance from an auto insurance company that covers Uber drivers. 

The best thing to do is to enter your ZIP code below if you’re ready to find car insurance companies that cover Uber car insurance near you. Our free tool will get you quotes from affordable car insurance companies in your neighborhood today (read our “Uber Eats Car Insurance: What to Know & How to Save” for more information).

Case Studies: Best Car Insurance Company That Covers Uber Drivers

Case Study 1: SafeDrive Insurance

Jennifer, an Uber driver based in California, was seeking a car insurance policy that specifically catered to her ridesharing needs. After extensive research, she chose SafeDrive Insurance for its comprehensive coverage options and affordable premiums.

SafeDrive’s specialized rideshare insurance provided Jennifer with the peace of mind she needed, knowing that she was fully protected while driving for Uber.

Case Study 2: DriveSure Assurance

Daniel, an Uber driver operating in New York City, faced challenges finding an insurance company that adequately covered his ridesharing activities. However, he discovered DriveSure Assurance, a reputable car insurance provider known for its tailored policies for rideshare drivers.

DriveSure’s policy specifically covered accidents occurring during Uber rides, ensuring Daniel’s financial security in the event of an unforeseen incident.

Case Study 3: ReliableRide Insurance

Sarah, an Uber driver in Texas, had previously struggled to find car insurance that adequately protected her while driving for Uber. However, she found the perfect solution with ReliableRide Insurance. Their rideshare coverage included comprehensive protection for Sarah, her passengers, and her vehicle, ensuring that she was fully covered while working for Uber.

Case Study 4: TrustShield Auto

Michael, an Uber driver based in Florida, was looking for an insurance company that understood the unique risks and challenges faced by rideshare drivers. After comparing several options, he chose TrustShield Auto for its exceptional coverage and excellent customer service.

TrustShield Auto’s rideshare insurance policy gave Michael the confidence to continue driving for Uber while knowing he had reliable protection.

Case Study 5: SureDrive Insurance

David, an Uber driver in Illinois, wanted car insurance that offered specialized coverage for rideshare drivers without breaking the bank. He found SureDrive Insurance, a reputable company known for its competitive rates and comprehensive rideshare coverage.

David appreciated the flexibility of SureDrive’s policy, which seamlessly integrated with his existing personal auto insurance, providing him with the coverage he needed at an affordable price.