Get Affordable Uber Eats Auto Insurance Quotes (2024)
How does Uber EATS auto insurance work? They'll provide you coverage while delivering the order, but you'll need commercial coverage to cover you. The cost of this ranges from $900 to $1,700 annually, which is worth it to have proper Uber EATS vehicle insurance.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Jun 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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.
On This Page
| Uber Eats Facts | Source |
|---|---|
| Uber Eats was founded in August 2014 | www.businessinsider.com |
| Founders: Travis Kalanick, Garrett Camp | www.businessinsider.com |
| Headquarters: San Francisco, California | www.businessinsider.com |
| 2014 Uber Eats BBB Rating: F | www.bbb.org |
| 2020 Uber Eats BBB Rating: NR or No Rating | www.bbb.org |
How does Uber EATS auto insurance work? They’ll provide you coverage while delivering the order, but you’ll need a commercial policy to cover you. The cost of this ranges from $900 to $1,700 annually, which is worth it to have proper Uber EATS vehicle insurance.
While many industries have suffered throughout the COVID-19 pandemic, the food delivery business is thriving. One of the biggest food delivery app is Uber EATS. If you wish to drive for them, you may be wondering about Uber EATS auto insurance.
If you’re driving during this pandemic, you’ll need to look into coronavirus auto insurance policy rates. You will be on the road far more than if you were using your automobile simply for personal reasons. Throughout this article, you’ll learn how to drive for Uber EATS, whether or not auto insurance for Uber EATS is required, and the answer to the question “Does Uber EATS raise your insurance?”
Table of Contents
Uber EATS Auto Insurance Requirements
You may be asking, “Do I need special insurance to be a delivery driver?” According to Uber EAT’s own website, all of their drivers are required to show that they have comprehensive or third party property damage coverage.
In addition to proof of insurance, Uber EATS will also look to see that a driver is listed as an insured driver on the policy, even if they are driving another individual’s vehicle. Your vehicle can also be no older than 19 years, must be in good condition with no cosmetic damage or commercial branding, and must be able to pass a vehicle inspection.
Uber maintains a level of coverage on behalf of its driving partners. There is a commercial auto liability policy of $1 million per incident. However, this is only active from the time a driver accepts a delivery request to the time the delivery is complete. Hence, the policy does not apply for the whole time the driver is on the road.
Another caveat is that the driver must maintain comprehensive and collision coverage on their personal auto insurance policy.
If the driver has met this requirement, the Uber insurance will provide physical damage coverage for their vehicle up to its actual cash value, regardless of who is at fault for the accident. Keep in mind, a $1,000 deductible payment is required of the driver prior to this coverage applying.
As we mentioned before, the $1 million liability policy does not cover you the entire time you’re on the road. There is also a 50/100/25 commercial auto liability policy that is active between deliveries.
It’s far better to have your own coverage, as an Uber insurance essentially only protects Uber.
If you’re in an accident, your medical bills are going to be coming out of your pocket. Uber also has no underinsured/uninsured policies to help protect you. Additionally, if you’re driving in New York, these Uber coverages are not applicable.
Let’s take a look at the average rates for various policies, including comprehensive, collision, and commercial auto insurance coverages, in the table below.
| Coverage Types | Average Annual Rates |
|---|---|
| Comprehensive | $148 |
| Collision | $323 |
| Liability | $538 |
| Commercial | $900-$1,700 |
Commercial insurance is necessary for using your vehicle for reasons outside of personal use. In essence, commercial coverage is the answer to the question, “Do you need special insurance coverage to use your automobile for work?”
The following video from Travelers Insurance further explains commercial coverage.
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Uber EATS Without Commercial Insurance
The more you drive, the more you’re going to need commercial coverage. If you’re delivering more frequently, particularly in densely populated areas, you are consistently subjected to potential risks on the road. If you plan on driving commercially and only buy a personal car insurance policy from your insurance company, they may drop you in the event that you get into an accident while driving for Uber EATS.
Driving without insurance is illegal.
According to the Insurance Information Institute, if you get caught driving without insurance, you will be subject to fines, having your vehicle impounded, and having your license suspended. If you get into an accident without insurance, you may potentially face jail time.
Overall, having Uber’s coverage will not be enough. Furthermore, there is no Uber EATS auto insurance claims department, so should you have a medical or bodily injury, you’ll need to go through your insurance provider.
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Frequently Asked Questions
What is Uber Eats auto insurance?
Uber Eats auto insurance is a type of insurance coverage specifically designed for individuals who work as delivery drivers for Uber Eats. It provides coverage for accidents, damages, and injuries that may occur while delivering food for Uber Eats.
Why do I need Uber Eats auto insurance?
Uber Eats drivers are generally required to have insurance coverage that extends beyond their personal auto insurance policy. This is because personal auto insurance policies may not provide coverage while using the vehicle for commercial purposes like food delivery. Uber Eats auto insurance ensures that you have the necessary coverage while working as a delivery driver.
How is Uber Eats auto insurance different from personal auto insurance?
Personal auto insurance policies typically exclude coverage for commercial activities such as food delivery. Uber Eats auto insurance is specifically tailored to provide coverage during the time you are actively delivering food for Uber Eats. It fills the gaps in your personal auto insurance policy.
Where can I find affordable Uber Eats auto insurance?
To find affordable Uber Eats auto insurance, you can start by contacting insurance providers that specialize in providing coverage for rideshare and delivery drivers. They understand the unique needs of Uber Eats drivers and can offer policies tailored to your requirements. It’s important to compare quotes from multiple providers to find the best rates.
What factors affect the cost of Uber Eats auto insurance?
Several factors can impact the cost of Uber Eats auto insurance, including your driving record, the type of vehicle you use for deliveries, your location, the coverage limits you choose, and the deductible amount. Insurance providers consider these factors when determining your premium.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.