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.
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