Uber Eats Auto Insurance: Requirements & Rates for 2026
Uber Eats auto insurance is provided for delivery drivers, but you must have at least personal liability coverage in order to satisfy Uber Eats insurance requirements. Uber Eats auto insurance only takes effect when you are in an accident while driving on the clock. Uber Eats recommends that drivers purchase commercial auto insurance to make sure they are completely covered.
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Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
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Updated July 2023
- Uber Eats does provide auto insurance for its drivers
- Uber Eats auto insurance only applies while you are driving for Uber Eats
- You must have personal liability coverage in order to drive for Uber Eats
As food delivery services become increasingly popular, companies like Uber Eats are hiring even more drivers to meet demands. If you’re thinking of driving for Uber Eats, you may be wondering if there is Uber Eats auto insurance.
After all, if you’re in an accident while driving for Uber Eats you’ll want to know if you’re covered for any damages. You’ll also want to know if you need to buy commercial auto insurance to make sure you’re covered.
Keep reading to learn if Uber Eats offers auto insurance, what Uber Eats driver requirements are, and how to save on food delivery insurance rates. But before you do, enter your ZIP code into our free comparison tool above to find affordable auto insurance near you.
Is there Uber Eats auto insurance?
Fortunately, the answer is yes. Uber Eats provides commercial auto insurance coverage to all its drivers. However, some terms and conditions apply.
First, your Uber Eats auto insurance only kicks in if you are in an accident while driving for Uber Eats. This means your Uber Eats app must be online and you must be on the clock, otherwise Uber Eats will not cover any damages.
If you get in an accident while on the clock and your personal auto insurance does not cover you, Uber Eats auto insurance will cover you up to these amounts:
- $50,000 in bodily injury per person
- $100,000 in bodily injury per accident
- $25,000 in property damage per accident
Uber Eats accident claims can be reported in the Uber Eats app. You can check out the full breakdown of Uber Eats auto insurance coverage on the Uber Eats website.
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What are Uber Eats driver requirements?
Uber Eats driver requirements vary by city, and the Uber Eats website will help you find out what the requirements are in your city. However, here are the basic requirements:
- First, you must be at least 19 years old with at least one year of driving experience. This means your driver’s license must be at least one year old.
- Next, you need to have a clean driving record with no major violations for over seven years. You will also be required to pass a background check and a safety screening.
- Finally, your car must be newer than a 1998 model.
Most importantly you must have a personal auto insurance policy on the vehicle you plan to drive for Uber Eats. You cannot drive for Uber Eats without insurance.
What are Uber Eats insurance requirements? Well, since Uber Eats offers commercial auto insurance, you must at least have liability coverage on your personal policy to drive for Uber Eats
However, if you have collision and comprehensive coverage, Uber Eats will provide contingent comprehensive and collision coverage while you drive for Uber Eats. This provides additional protection for physical damage to your car up to its actual cash value, regardless of who is at fault.
How do I save on Uber Eats auto insurance?
While you won’t have to pay for Uber Eats auto insurance, you will still have to maintain at least a liability policy in order to drive for Uber Eats.
If you want Uber Eats contingent comprehensive and collision coverage, you’ll have to have collision and comprehensive coverage on your personal policy. These coverages can add up.
What’s the best way to find affordable Uber Eats auto insurance rates? Comparison shop online to find the best deal. Reviewing three to four Uber Eats auto insurance quotes from different companies will help you find the best rate.
Ready to get started? Enter your ZIP code into our free comparison tool below to buy auto insurance for delivery drivers from providers in your area.
Case Studies: Exploring Uber Eats Auto Insurance
Case Study 1: Sarah’s Accident Coverage
Sarah is a delivery driver for Uber Eats. One day, while she was on the clock and delivering an order, she got into a car accident. Unfortunately, her personal auto insurance policy did not cover accidents that occur during work-related activities.
However, since Sarah had satisfied the Uber Eats insurance requirements by having personal liability coverage, Uber Eats’ auto insurance policy covered the damages. Sarah was relieved that she had the necessary coverage and didn’t have to bear the financial burden of the accident.
Case Study 2: John’s Comprehensive Protection
John drives for Uber Eats as a part-time gig. He already had a personal auto insurance policy that included collision and comprehensive coverage. Uber Eats offers contingent comprehensive and collision coverage to drivers who have these coverages on their personal policy. One evening, while delivering food, John’s car was damaged in a hit-and-run incident.
He immediately reported the incident through the Uber Eats app and filed a claim. Uber Eats’ contingent comprehensive and collision coverage covered the repair costs of his vehicle, regardless of fault. John was grateful for the additional protection provided by Uber Eats’ insurance coverage.
Case Study 3: Lisa’s Savings Strategy
Lisa recently started driving for Uber Eats and wanted to ensure she had the necessary insurance coverage while keeping her costs down. She decided to compare insurance quotes from different companies to find the best rate. By reviewing three to four Uber Eats auto insurance quotes, Lisa was able to find an affordable policy that met the minimum liability requirements.
She also maintained collision and comprehensive coverage on her personal policy to take advantage of Uber Eats’ contingent coverage. Lisa’s proactive approach helped her secure the coverage she needed while saving money on her auto insurance.
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