Best Car Insurance for Uber Eats Drivers in 2025 (Check Out the Top 10 Companies)

Top Pick for Uber Eats Drivers: State Farm

18,154 reviews

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4.1

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Company Facts

Full Coverage for Uber Eats Drivers

$120/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Reviews

18,154 reviews

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Best Claims for Uber Eats: Progressive

13,283 reviews

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4.0

Company Facts

Full Coverage for Uber Eats Drivers

$135/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Car Insurance Reviews

13,283 reviews

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Best Add-ons for Uber Eats Drivers: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage for Uber Eats Drivers

$130//mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Reviews

19,116 reviews

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The 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 extends coverage while delivering. 

Progressive stands out with low accident deductibles and a fast claims process. At the same time, Geico offers the most affordable add-ons for delivery drivers, making it a great choice for budget-conscious Uber Eats drivers. This guide explores coverage options, policy limitations, and car insurance discounts, like multi-policy savings, safe driving rewards, and pay-in-full incentives, to help drivers find the best balance of affordability and protection.

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.

#1 – State Farm: Top Overall Pick

<strongPros

• Exclusive Rideshare Coverage: State Farm provides a unique policy for food delivery, covering every trip. Explore further in our State Farm insurance review.
• Usage-Based 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 Claims Processing: State Farm’s insurance claims system is efficient, helping Uber Eats drivers get back on the road quickly.

Cons

• May Need an Additional Endorsement: Uber Eats drivers must purchase a separate insurance add-on to be fully covered while making deliveries.
• While a 17% bundling discount is available, other insurers offer higher savings on insurance policies.

#2 – Progressive: Best for Best Rates

Pros

• Snapshot Program for Safe Driving: Uber Eats drivers who enroll in Progressive’s Snapshot insurance tracking can earn lower rates based on driving behavior.
• Options for Accident-Prone Drivers: Progressive offers lower rates to Uber Eats drivers with past violations or claims.
• Diverse Discount Opportunities: With bundling, paperless, and pay-in-full insurance discounts, Uber Eats drivers can significantly reduce costs.

Cons

• Premiums Fluctuate After Renewal: Depending on claims history, some Uber Eats drivers experience higher insurance rates after renewing their policy.
• Inconsistent Customer Service Reviews: While some Uber Eats drivers are assisted quickly, others report long wait times. Learn more in our Progressive insurance review.

#3 – Geico: Best for Flexible Pricing

Pros

• Customizable Plans: Uber Eats drivers can select flexible options that fit their specific driving and coverage needs. Read our Geico insurance review for more.
• Military/Federal Employee Discounts: Uber Eats-qualified drivers can enjoy exclusive insurance savings through Geico’s specialty discount programs.
• Mobile App for Managing 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 Underwriting Criteria for New Customers: Uber Eats drivers with prior insurance coverage lapses may find it difficult to secure low rates.

#4 – Allstate: Best for Extra Protection

Pros

• Enhanced Add-Ons for Extra Protection: Uber Eats drivers can purchase accident forgiveness and deductible rewards to strengthen their insurance coverage.
• Vanishing Deductible Program: Every accident-free term reduces the insurance deductible, helping Uber Eats drivers save money over time.
• New Car Replacement: Uber Eats drivers with newer vehicles can receive full coverage for a total loss within the first two years.

Cons

• Higher Insurance Premiums: Even with discounts, Uber Eats drivers may pay more for Allstate’s coverage. Learn more in our Allstate auto insurance review.
• Paperwork-Heavy Claims Process: Some Uber Eats drivers report delays due to extensive documentation requirements when filing an insurance claim.

#5 – Nationwide: Best for Versatile Plans

Pros

• Adaptable Rideshare Coverage: Nationwide offers Uber Eats drivers flexible insurance coverage during and between deliveries.
• Accident-Free Discount: Uber Eats drivers with a clean record can qualify for ongoing insurance savings through the SmartRide program.
• Home and Auto Insurance Bundling: Uber Eats drivers can unlock a 20% premium discount by combining home and car insurance policies.

Cons

• Insurance Claims Take Longer: Some Uber Eats drivers report that complex claims take more time to process than with other insurers.
• Expensive for High-Mileage Drivers: It may charge more if they exceed a set annual mileage threshold. For more information, see our Nationwide insurance review.

#6 – Farmers: Best for Custom Policies

Pros

• Rideshare Endorsement: Farmers offer a specific rideshare insurance add-on extending coverage while Uber Eats drivers deliver actively.
• Auto and Home Policy Bundling: Uber Eats drivers who bundle their auto insurance with a Farmers’ homeowners policy can receive significant discounts of up to 15%.
• Suitable for High-Mileage Drivers: Unlike some insurers, Farmers does not cap annual mileage for delivery drivers, making it ideal for full-time Uber Eats work.

Cons

• Higher Costs for Uber Eats Drivers: Compared to standard auto policies, Uber Eats drivers may face significantly higher insurance premiums than Farmers.
• Slow Claims Process: Uber Eats drivers have reported longer-than-average wait times, especially for accident-related repairs. Discover more in our Farmers insurance review.

#7 – Liberty Mutual: Best for Broad Options

Pros

• Extensive Coverage for Multiple Vehicles: Uber Eats drivers using different cars for deliveries can find insurance plans that accommodate various models.
• Telematics-Based Discounts: Liberty Mutual’s RightTrack program lets Uber Eats drivers save on insurance by monitoring their driving habits.
• Wide Range of Add-Ons: Uber Eats drivers can enhance their insurance policies with features like better car replacement and accident forgiveness.

Cons

• Rates Increase Without Notice: Some Uber Eats drivers have experienced unexpected hikes in their insurance costs after policy renewals. 
• Discounts Have Strict Qualification Rules: Liberty Mutual’s best insurance discounts require meeting specific conditions not all Uber Eats drivers qualify for.

#8 – American Family: Best for Family Needs

Pros

• Family-Friendly Policies: Uber Eats drivers with dependents can benefit from American Family’s multi-driver discounts.
• Safe Driving Incentives for Teen Drivers: Uber Eats drivers with young family members can enroll in the Teen Safe Driver program for savings. Explore our American Family insurance review for more info.
• Loyalty Discounts: Uber Eats drivers who stay with American Family for several years receive lower insurance rates as a reward.

Cons

• Fewer Options for Independent Contractors: Uber Eats drivers without a personal vehicle policy may find American Family’s rideshare insurance harder to obtain.
• Higher Costs Without Bundling: Uber Eats drivers who only purchase auto insurance without home coverage may not receive the best discounts.

#9 – Travelers: Best for Comprehensive Care

Pros

• Accident Protection Coverage: Travelers offers extensive insurance plans that provide financial security for Uber Eats drivers after a crash.
• Hybrid Vehicle Discounts: Uber Eats drivers using hybrid or electric cars can qualify for lower insurance premiums with Travelers.
• Top Financial Stability Rating: With an A++ rating, Travelers ensures Uber Eats drivers have reliable insurance protection long-term.

Cons

• Complicated Claims Process: Some Uber Eats drivers report that first-time insurance claims require extensive verification steps.
• Strict Mileage Limits: According to Travelers insurance reviews, high-mileage Uber Eats drivers may face coverage restrictions with certain plans. 

#10 – Erie: Best for Affordable Rates

Pros

• Budget-Friendly Rates: Uber Eats drivers who work occasionally can find cost-effective insurance options through Erie.
• Young Driver Discount: Erie offers significant savings for Uber Eats drivers under 25 who maintain a clean insurance record.
• Easy-to-Use Policy Management Platform: Uber Eats drivers can update their insurance details online without visiting a physical office. Our Erie insurance review covers more details.

Cons

• Limited Availability in Certain States: Erie does not offer coverage in every region, restricting access for some Uber Eats drivers.
• Fewer Bundling Discounts: While Erie provides savings, its bundling insurance discount percentage is lower than some of its competitors.

Uber Eats Car Insurance Costs by Provider and Coverage Level

Uber Eats drivers pay varying car insurance rates depending on their provider and coverage level. Basic liability policies start at around $45 per month, while full coverage options, including comprehensive and collision, typically range from $100 to over $200 per month.

Factors such as driving history, location, and vehicle type influence the final cost, with higher-risk drivers generally paying more.

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

State Farm offers a rideshare endorsement for about $50 per month, ensuring coverage extends during food deliveries. Progressive’s policies range from $60 to $180 monthly, featuring low accident deductibles and optional add-ons for additional protection.

Geico provides one of the lowest-cost delivery driver add-ons, starting at approximately $55 monthly for eligible drivers with a clean record.

Each provider structures pricing and coverage options differently based on risk assessment and policy features. Understanding full coverage car insurance helps Uber Eats drivers compare multiple quotes and policy terms to ensure they receive sufficient coverage.

Best Car Insurance Discounts for Uber Eats Drivers

Uber Eats drivers can use multiple car insurance discounts to reduce costs. Multi-policy discounts from Allstate, Erie, and Farmers help drivers save money by bundling auto insurance with home, renters, or life insurance policies.

Progressive and State Farm offer pay-in-full discounts, allowing drivers to lower their rates by paying their policy upfront instead of in monthly installments.

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

Safe driving programs help Uber Eats drivers lower their insurance costs by tracking driving behavior. Progressive’s Snapshot and State Farm’s Drive Safe & Save monitor acceleration, braking, and speed, offering discounts for safe habits. Nationwide’s SmartRide and Travelers’ IntelliDrive analyze real-time data over a set period, reducing rates for consistent, low-risk driving. These programs benefit delivery drivers who drive frequently by rewarding safe practices with lower premiums.

Insurance for Uber Eats?
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Geico, Liberty Mutual, and Travelers provide savings for drivers with hybrid or electric vehicles, anti-theft devices, and continuous coverage history. Military members, federal employees, and students may also qualify for special rate reductions, ensuring that Uber Eats drivers can maximize their savings by choosing a provider that aligns with their personal and professional circumstances.

Insurance Requirements for Uber Eats Drivers

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

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. Find the best car insurance companies here.

Read more:

• Can I buy car insurance without a driver’s license?
• How to Get Car Insurance Without a License: An Expert Guide

Uber Eats Provides Car Insurance

Uber Eats provides top-tier car insurance for its drivers, with coverage depending on your delivery status. If you’re available on the Uber Eats app but not actively making a delivery, Uber offers third-party liability coverage if your insurance doesn’t apply.

This includes up to $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage. When you’re on an active delivery—whether picking up or dropping off—Uber provides $1,000,000 in third-party liability coverage.

Additionally, if you have your policy, Uber partners with the best comprehensive coverage car insurance company and the best collision coverage car insurance company to cover your vehicle’s full value with a $2,500 deductible.

To report an accident, open the Uber Eats app, go to “Help,” select “Trip Issues and Adjustments,” and choose “I was in an accident.”

Uber Eats Drivers May Need Additional Coverage

Your car insurance will usually not cover you while driving for business. Therefore, if you’re in an accident while making a delivery, your car insurance will likely deny the claim. Understanding the types of insurance coverage available can help determine whether you need additional protection.

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 studies provide valuable information on how Uber Eats drivers approach insurance issues and surprise claims. Most drivers think their car insurance covers them while making deliveries, only to find holes that expose them financially. Analyzing actual situations can give you a sense of when and why extra coverage is needed to prevent expensive out-of-pocket payments.

Drivers can decide the best ways to protect their cars fully by comparing different insurance policies and their limitations. Specific drivers minimize risks by buying rideshare or commercial coverage, while Uber’s limited insurance packages favor others. Proof of insurance for the right coverage helps drivers comply with legal requirements while avoiding unexpected financial obligations.

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 about “Best Car Insurance for Rideshare Drivers“).

Case Study 2: Sarah’s Decision to Add a Business Use Endorsement

Sarah became an Uber Eats driver and asked, “Can I get car insurance for a car used for business purposes?” After researching, she added a business use endorsement to her policy for proper coverage.

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 coverage, which provided extensive protection for his business activities.

Although this option came with a higher premium, John valued its added security and peace of mind. With commercial car insurance coverage, he felt confident that he had the proper protection against any potential accidents or incidents that could occur during his deliveries.

Buying 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 a food delivery car insurance is relatively easy, as major car insurance companies recognize the growth in ridesharing and delivery driving as side gigs. Many of the biggest insurers 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 covering 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 determine your best options.

Top Insights for the Best Car Insurance for Uber Eats Drivers

Uber Eats drivers need proper insurance because personal auto policies often exclude business-related accidents. Commercial auto insurance is the best option for full-time drivers, while part-time drivers can use rideshare endorsements from companies like State Farm, Progressive, and Geico.

Insurance rates vary based on the provider, coverage level, and driver history. State Farm offers a rideshare endorsement for around $50 per month, while Progressive’s policies range from $60 to $180 per month, and Geico provides delivery driver add-ons starting at $55 per month.

Drivers can reduce costs through discounts and safe driving programs. Progressive’s Snapshot and State Farm’s Drive Safe & Save offer lower rates for cautious driving, while multi-policy discounts from Allstate and Erie help drivers save on Commercial Auto Insurance.

Enter your ZIP code into our free quote comparison tool below to find affordable Uber Eats car insurance rates in your area.