Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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The Short of It

  • Uber teamed up with several auto insurance providers to give its drivers coverage
  • Uber Eats coverage only applies when you are working in the Uber app
  • Drivers must still have their own insurance to contract with Uber Eats

Unlike some of its competitors, Uber’s food delivery service offers its drivers security on the road. Uber Eats auto insurance covers drivers in case of an accident — but only while the app is active.

While there’s some assurance with having Uber behind you on the road, drivers must also have personal auto insurance. Keep reading to learn more about the type of coverage Uber has for its contractors and other need-to-know information before you start driving for Uber Eats.

If you’re looking to buy auto insurance for Uber Eats, start with our comparison tool. Enter your ZIP code to compare auto insurance quotes in your area.

Does Uber Eats provide auto insurance coverage?

Yes, so long as your app is running and you’re en route to pick up or drop off food. Once the app is off, your personal policy is the only insurance that applies while you drive.

According to Uber, it maintains bodily injury, property damage for its drivers while they’re available but not en-route:

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

While you’re on a trip, coverage could include:

  • $1,000,000 third-party liability auto insurance
  • Uninsured motorist bodily injury
  • Up to actual cash value of a car with a $2,500 deductible
  • Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible

While Uber has these safety nets for the company and its contractors, drivers must have insurance to drive for Uber/Uber Eats.

Why does Uber Eats need my insurance information?

You must prove that you are a licensed, insured driver before applying for this food delivery service. It would be illegal to employ you as a contracted driver if you were uninsured.

Do I have to report an accident to Uber Eats?

If you’re in an accident while on the job or hit by someone driving for Uber Eats, you will need to file an accident report with the company. Uber Eats accident claims need to be filed through Support on the app.

To do this, you need to enter the app and find “Trip Issues and Adjustments,” then click “I was in an accident.”

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Do I need extra insurance for Uber Eats?

While you may need a standard auto insurance policy, Uber doesn’t require drivers to purchase an additional or special insurance. Your auto insurance company may have its own rules regarding carrier-type usage under a personal policy.

You will need to discuss with your auto insurance provider the details of your policy after you’ve disclosed your employment.

Do I need to tell my insurer I drive for Uber Eats?

Yes. Despite having Uber Eats auto insurance, your non-Uber Eats auto insurance company still needs to know that you’re using your car for delivery services.

When you’re using your car in this way, you’re increasing your chances of an accident. Because of the increased wear and tear and the amount of time spent on the road, insurance companies may adjust your policy to accommodate Uber Eats; auto insurance rates may increase.

Keep reading to learn more about how Uber Eats could impact your insurance.

Does Uber Eats increase your insurance?

Using your vehicle to deliver for Uber Eats will likely increase your monthly rates. However, depending on what company you choose, there may be other options. 

Comparing Uber Eats auto insurance quotes online is the best way to find affordable auto insurance coverage.

Uber Eats Insurance: The Bottom Line

Although Uber may provide coverage to its drivers, you may not be approved for Uber Eats without insurance. It wouldn’t be legal for the company to hire an uninsured motorist.

However, the Uber Eats insurance requirements are relatively lax. They simply require that you have some coverage on the road. While this makes it easy to meet, drivers should ensure they are well-protected.

Now that you know what to prepare for when you sign up to drive for Uber Eats check out insurance providers in your area for your personal policy. Enter your ZIP code to get started.