Best Car Insurance for Uber Eats Drivers in 2025 (Check Out the Top 10 Companies)
The best car insurance for Uber Eats drivers comes from State Farm, Progressive, and Geico, starting at $45/month. State Farm offers easy rideshare endorsements, Progressive has low accident deductibles, and Geico provides the cheapest delivery driver add-on, ensuring proper Uber Eats insurance coverage.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Feb 21, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 21, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Full Coverage for Uber Eats Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
19,116 reviewsCompany Facts
Full Coverage for Uber Eats Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsThe best car insurance for Uber Eats drivers comes from State Farm, Progressive, and Geico, with rates starting as low as $45 per month. State Farm is the top pick overall due to its affordable rideshare endorsement that seamlessly extends coverage while delivering.
Progressive stands out for its low accident deductibles and intense claims process, while Geico offers the cheapest delivery driver add-on, making it the best option for budget-conscious drivers. This guide explores coverage options, policy limitations, and discounts to help Uber Eats drivers find the most cost-effective and comprehensive protection on the road.
Our Top 10 Company Picks: Best Car Insurance for Uber Eats Drivers
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Rideshare Coverage | State Farm |
 | #2 | 10% | A+ | Best Rates | Progressive |
 | #3 | 25% | A++ | Flexible Pricing | Geico |
 | #4 | 25% | A+ | Extra Protection | Allstate |
 | #5 | 20% | A+ | Versatile Plans | Nationwide |
 | #6 | 20% | A | Custom Policies | Farmers |
 | #7 | 25% | A | Broad Options | Liberty Mutual |
 | #8 | 25% | A | Family Needs | American Family |
 | #9 | 13% | A++ | Comprehensive Care | Travelers |
 | #10 | 25% | A+ | Affordable Rates | Erie |
If you need help getting Uber Eats car insurance quotes, enter your ZIP code into our free quote comparison tool above.
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#1- State Farm: Top Overall Pick
Pros
- Exclusive rideshare insurance for Uber Eats drivers: State Farm provides a unique insurance policy designed for food delivery, covering every trip.
- Usage-based insurance discount for lower rates: Uber Eats drivers who use State Farm’s Drive Safe & Save program can reduce insurance costs with safe driving habits.
- Seamless insurance claims processing for quick payouts: State Farm’s insurance claims system is efficient, helping Uber Eats drivers get back on the road quickly.
Cons
- Insurance policies may require an additional endorsement: Uber Eats drivers must purchase a separate insurance add-on to be fully covered while making deliveries.
- Insurance discounts are not the highest in the market: While a 17% bundling discount is available, other insurers offer higher savings on insurance policies.
#2- Progressive: Best for Best Rates
Pros
- Snapshot insurance program rewards safe driving: Uber Eats drivers who enroll in Progressive’s Snapshot insurance tracking can earn lower rates based on driving behavior.
- High-risk insurance options for accident-prone drivers: Progressive offers more forgiving insurance rates to Uber Eats drivers who have past violations or claims.
- Diverse insurance discount opportunities for savings: With bundling, paperless, and pay-in-full insurance discounts, Uber Eats drivers can significantly reduce costs.
Cons
- Insurance premiums can fluctuate after renewal: Depending on claims history, some Uber Eats drivers experience higher insurance rates after renewing their policy.
- Insurance customer service reviews are inconsistent:
While some Uber Eats drivers receive fast assistance, others report long wait times for insurance support.
#3- Geico: Best for Flexible Pricing
Pros
-
Customizable insurance plans tailored for drivers
Uber Eats drivers can select flexible insurance options that fit their specific driving and coverage needs.Read More: Best Car Insurance Companies -
Military and federal employee insurance discounts
Uber Eats drivers who qualify can enjoy exclusive insurance savings through Geico’s specialty discount programs. -
Efficient mobile app for managing insurance policies
The Geico app allows Uber Eats drivers to handle insurance claims, payments, and coverage updates instantly.
Cons
-
Limited availability for delivery driver insurance
Some states do not offer Geico’s rideshare insurance, leaving Uber Eats drivers without adequate coverage. -
Strict insurance underwriting criteria for new customers
Uber Eats drivers with prior lapses in insurance coverage may find it difficult to secure low rates.
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#4– Allstate: Best for Extra Protection
Pros
- Enhanced insurance add-ons for extra protection: Uber Eats drivers can purchase accident forgiveness and deductible rewards to strengthen their insurance coverage.
- Vanishing deductible insurance program for safe drivers: Every accident-free term reduces the insurance deductible, helping Uber Eats drivers save money over time.
- New car replacement insurance covers total loss: Uber Eats drivers with newer vehicles can receive full insurance coverage for a total loss within the first two years.
Cons
- Insurance premiums tend to be on the higher side: Even with discounts, Uber Eats drivers may pay more for Allstate’s comprehensive insurance coverage.
- Paperwork-heavy insurance claims process
- Some Uber Eats drivers report delays due to extensive documentation requirements when filing an insurance claim.
Uber Eats Drivers Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $55 | $140 |
| $51 | $132 |
| $47 | $125 |
| $60 | $150 |
| $48 | $130 |
| $58 | $145 |
| $52 | $138 |
| $50 | $135 |
| $45 | $120 |
| $53 | $137 |
Car Insurance Discounts From the Top Providers for Uber Eats Drivers
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driving Club, Anti-Theft Device, New Car, Early Signing, Paperless, Smart Student |
| Multi-Policy, Loyalty, Teen Safe Driver, Defensive Driving, Low Mileage, Young Volunteer, AutoPay |
| Multi-Policy, Safe Driving Record, Reduced Usage, New Car, Young Driver, Accident Prevention Course, Vehicle Recovery |
| Multi-Policy, Signal Program, Good Student, Affinity Discounts, Homeowner, New Car, Pay-in-Full |
| Multi-Policy, Good Driver, Military, Defensive Driving, Vehicle Equipment, Membership & Employee, Federal Employee |
| Multi-Policy, Hybrid/Electric Vehicle, Online Quote, Anti-Theft Device, Good Student, New Graduate, Military |
| Multi-Policy, SmartRide Program, Accident-Free, Defensive Driving, Affinity Group, Automatic Payment, Anti-Theft Device |
| Multi-Policy, Snapshot Program, Continuous Insurance, Homeowner, Teen Driver, Paperless, Pay-in-Full |
| Multi-Policy, Safe Driver, Usage-Based, Rideshare Discount, Good Student, Anti-Theft Device, Accident-Free |
| Multi-Policy, IntelliDrive, Homeownership, Good Payer, New Car, Hybrid/Electric Vehicle, Continuous Coverage |
- To become an Uber Eats driver, you must have personal car insurance
- Uber Eats provides some coverage for its drivers depending on your status in the app
- Personal car insurance is unlikely to cover you for an accident while you’re delivering for Uber Eats
- You may want to purchase delivery or rideshare insurance, a business use endorsement, or commercial car insurance
Becoming an Uber Eats driver is relatively easy if you already meet your state’s car insurance requirements. However, being a delivery driver increases your risk of being in an accident, since you will likely be driving more often.
You may need to buy additional Uber Eats car insurance to make sure you’re covered for an accident that occurs while you’re making deliveries.
If you need help getting Uber Eats car insurance quotes, enter your ZIP code into our free quote comparison tool above.
What kind of insurance does Uber Eats require?
To become an Uber Eats delivery driver, you must already have personal car insurance. The Uber Eats insurance requirements obligate drivers to upload proof of their personal car insurance policy.
Uber Eats Deliver Driver Requirements
| Driver Requirements | Uber Eats Requirements |
|---|---|
| Age | At least 19 |
| Driving Experience | Valid driver's license and at least 1 year of licensed driving experience |
| Auto Insurance | Valid and meets state minimum requirements |
| Personal Record | Clean driving record with no major violations for the past 7 years and msut be able to pass a background check |
| Smartphone | Not Listed |
| Vehicle | 2 or 4-door vehicle at least newer than 1998 |
You will also need to upload a copy of a valid driver’s license. If you do not have a license or personal car insurance, you will not be eligible to become an Uber Eats delivery driver.
Read more:
- Can I buy car insurance without a driver’s license?
- How to Get Car Insurance Without a License: An Expert Guide
Does Uber Eats provide car insurance?
Uber Eats provides some of the best car insurance for their drivers in the industry. The amount of coverage you receive depends on your status as a delivery driver.
If you are in between deliveries and listed as available on the Uber Eats app, Uber provides third-party liability that will cover you if your car insurance doesn’t.
Coverage limits are $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.
If you are driving for a delivery (whether to pick it up or drop it off), Uber provides $1,000,000 in third-party liability and comprehensive car insurance coverage and collision car insurance coverage (if you hold your own) that will cover up to the value of your vehicle with a $2,500 deductible.
Uber Eats accident claims can be made by going to the app, clicking “Help,” finding “Trip Issues and Adjustments,” and then choosing “I was in an accident.”
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Will my personal coverage cover an accident while delivering for Uber Eats?
In most cases, your car insurance will not cover you while you are driving for business purposes. Therefore, if you’re in an accident while making a delivery, it is likely your car insurance would deny this claim.
A few companies may allow you to have coverage if the miles you drive to deliver food do not exceed a specific percentage of the total number of miles you drive.
Regardless of whether your car insurance will provide coverage for delivery driving, you should still let your insurance company know that you drive for work or business purposes. If you don’t, the insurance company could end up canceling your policy altogether.
Case Studies: What to Know & How to Save With Uber Eats Car Insurance
Case Study 1: Mark’s Experience With Uber Eats Car Insurance
Mark decided to become an Uber Eats driver and started delivering orders using his personal car. He was aware that his personal car insurance might not provide coverage during deliveries, so he looked into additional Uber Eats car insurance options.
Mark decided to purchase delivery or rideshare insurance to ensure he had the necessary coverage while making deliveries. This extra insurance gave him peace of mind and protected him in case of an accident during his Uber Eats trips. (For more information, read our “Best Car Insurance for Rideshare Drivers“).
Case Study 2: Sarah’s Decision to Add a Business Use Endorsement
Sarah also became an Uber Eats driver and wanted to make sure she had proper insurance coverage. After researching her options, Sarah decided to add a business use endorsement to her existing car insurance policy.
This endorsement extended her coverage to include business activities, such as making deliveries for Uber Eats. Sarah found this to be a cost-effective solution as it provided the necessary coverage while keeping her overall insurance costs manageable.
Case Study 3: John’s Choice of Commercial Car Insurance
John decided to pursue Uber Eats delivery as a full-time job and wanted comprehensive coverage for his vehicle. He opted for commercial car insurance, which provided extensive coverage for his business activities.
Although this option came with a higher premium, John valued the added protection and peace of mind it offered. With commercial car insurance, he felt confident that he had the right coverage for any potential accidents or incidents that could occur during his deliveries.
Should I buy Uber Eats car insurance?
Driving for Uber Eats without insurance is very risky. Even though Uber offers some of the best car insurance for delivery drivers, it may still leave gaps in coverage while you are making deliveries.
Finding an Uber Eats car insurance company is relatively easy as major car insurance companies recognize the growth in ridesharing and delivery driving as a side gig.
Many of the biggest car insurance companies now offer rideshare and delivery insurance that can provide coverage for Uber Eats drivers. Another option is to add an endorsement to your car insurance policy that will cover business use.
If you drive full time, you may benefit from something with more coverage, such as commercial car insurance. Talk with your insurance provider to see what your best options are.
Enter your ZIP code into our free quote comparison tool below to find affordable Uber Eats car insurance rates in your area.
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Frequently Asked Questions
Does Uber Eats provide car insurance for its drivers?
Yes, Uber Eats provides insurance coverage for its drivers while they are actively delivering orders. This coverage includes liability insurance, which covers third-party injuries and property damage, and contingent comprehensive and collision coverage, which covers damages to the driver’s vehicle.
What does Uber Eats’ insurance cover while delivering orders?
Uber Eats’ insurance provides coverage in three different periods:
- Period 1: When the driver is online but hasn’t accepted a delivery request, their personal auto insurance is primary, and Uber Eats provides limited liability coverage.
- Period 2: When the driver has accepted a delivery request and is en route to the restaurant or customer, Uber Eats provides third-party liability coverage, as well as contingent comprehensive and collision coverage for the driver’s vehicle.
- Period 3: When the driver has picked up the order and is delivering it to the customer, Uber Eats provides increased liability coverage and contingent comprehensive and collision coverage for the driver’s vehicle.
Does Uber Eats’ insurance cover personal use of the driver’s vehicle?
No, Uber Eats’ insurance coverage only applies when the driver is actively engaged in delivery activities. Personal use of the vehicle is not covered by Uber Eats’ insurance policy. Drivers should maintain their personal auto insurance to cover non-delivery activities.
Can Uber Eats’ insurance be used as the primary coverage for a driver’s vehicle?
Uber Eats’ insurance acts as contingent coverage, meaning it applies only if the driver’s personal auto insurance denies a claim or provides insufficient coverage. The driver’s personal auto insurance is typically considered primary when it comes to covering their vehicle.
What should I do if I’m involved in an accident while delivering for Uber Eats?
If you’re involved in an accident while delivering for Uber Eats, take the following steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange information with the other parties involved, including insurance details.
- Document the accident scene, including taking photos if possible.
- Report the accident to both your personal auto insurance provider and Uber Eats’ insurance provider.
How can Uber Eats drivers save on car insurance?
While Uber Eats provides insurance coverage during delivery activities, there are other ways for drivers to potentially save on car insurance:
- Choose a higher deductible, but ensure it’s an amount you can afford to pay out of pocket if you need to file a claim.
- Maintain a good driving record with no accidents or traffic violations.
- Consider bundling your car insurance with other policies, such as renters or homeowners insurance, to qualify for multi-policy discounts.
- Inquire about available discounts, such as safe driver discounts or discounts for safety features in your vehicle.
- Shop around and compare quotes from multiple insurance providers to find the best rate specifically tailored to your needs as an Uber Eats driver.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.