Do you need special insurance to drive for Uber? This question is about Uber

Do you need special insurance to drive for Uber?

This question is about Uber

Lilah Butler, Car Insurance Writer

@lilah_c • 06/28/23 This answer was first published on 06/28/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, you need special insurance to drive for Uber. Most personal car insurance companies require you to purchase a special rideshare policy if you drive for a rideshare or delivery company, and if you don't tell your personal insurer about driving for Uber, they may deny your claims and cancel your policy. Without special insurance, you will also be driving with liability-only insurance while you have the Uber app on and are waiting for a ride request.

Rideshare insurance is generally offered as an inexpensive policy add-on. For instance, State Farm says its rideshare coverage will add about 15%-20% to your premium, and Allstate's coverage only costs about $30-$120 annually. You can also look into a commercial insurance policy, which is a good option if rideshare insurance is not available in your state.

Insurance Options for Uber Drivers

Purchase rideshare coverage from your personal auto insurance company.
Switch to an insurance company that offers rideshare coverage.
Buy a commercial car insurance policy.

Uber does provide commercial insurance for drivers in most states, but the coverage is limited. For instance, once you accept a ride request, Uber will provide comprehensive and collision insurance, but only if you already have these coverage types on your personal insurance policy.

For more information, check out WalletHub's guide to rideshare insurance.

Does Geico cover rideshare insurance?

No, Geico does not offer rideshare insurance. If you are a current Geico customer and want rideshare coverage, you can purchase a separate commercial policy, or you can switch to a company that offers rideshare insurance.

Unlike Geico, insurers such as State Farm and Allstate offer rideshare insurance endorsements that you can add to a personal car insurance policy. Then, if you stop driving with a rideshare company, you can simply cancel the endorsement. Rideshare endorsements...

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How much is commercial auto insurance for Uber drivers?

Commercial auto insurance for Uber drivers can cost $1,200 to $2,400 or more per year. A cheaper alternative is rideshare insurance, for $10 to $350 per year, depending on your location and insurer. Rideshare coverage is a specialized kind of insurance that bridges the gap between your personal auto policy and the coverage that Uber and other rideshare companies provide for drivers.

Your personal auto insurance is unlikely to cover accidents you’re involved in...

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Does Allstate offer rideshare insurance?

Yes, Allstate offers rideshare insurance as an optional add-on to a personal car insurance policy for customers who use their personal vehicle to drive for a rideshare company. Allstate rideshare insurance helps fill the gaps in coverage between a customer’s personal auto insurance policy and the coverage provided by a transportation network company.

Allstate does not disclose how much its rideshare endorsement costs, but other companies typically charge 15% - 20% of a driver’s personal...

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