Uber EATS Auto Insurance for 2020

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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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Sep 3, 2020

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Uber Eats Summary
Uber Eats FactsSource
Uber Eats was founded in August 2014www.businessinsider.com
Founders: Travis Kalanick, Garrett Campwww.businessinsider.com
Headquarters: San Francisco, Californiawww.businessinsider.com
2014 Uber Eats BBB Rating: Fwww.bbb.org
2020 Uber Eats BBB Rating: NR or No Ratingwww.bbb.org
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While many industries have suffered throughout the COVID-19 pandemic, the food delivery business is thriving. One of the biggest food delivery apps is Uber EATS, and 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 rates. You are going to 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?”

Get a start by typing your ZIP code into our free, helpful tool above to find reasonable rates for an Uber EATS auto insurance company in your area.

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. Thusly, the policy does not apply for the full 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, Uber’s 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 that there is a $1,000 deductible payment required of the driver prior to this coverage applying.

As we mentioned before, the $1 million dollar 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 Uber’s policies essentially only protect 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 coverages, in the table below.

Average Annual Auto Insurance Rates by Coverage Type
Coverage TypesAverage Annual Rates
Comprehensive$148
Collision$323
Liability$538
Commercial$900-$1,700
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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.

 

Enter your zip code below to view companies that have cheap auto insurance rates.

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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 policy from your insurer, 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 injury, you’ll need to go through your insurer.

Now that you know more about Uber EATS auto insurance, get a start on obtaining the proper commercial coverage by typing your ZIP code into our free and helpful tool below.

Frequently Asked Questions: Uber EATS Auto Insurance

#1 – Is it hard to be an Uber EATS driver?

As long as you are 19 years or older and have a driver’s license that has been active for at least a year, you may qualify to drive for Uber EATS.

#2 – Do I need extra insurance for Uber EATS?

You must have a commercial policy in addition to your state’s minimum insurance requirements and comprehensive or third party property damage coverage.

#3 – Does Geico cover Doordash or Uber EATS drivers?

Geico offers a hybrid policy for Uber drivers for around $150 per year.

#4 – Is there rideshare insurance?

Yes, and it is thankfully provided by most of the main insurance companies.

#5 – How do I get Uber EATS insurance?

They will automatically provide it to you once you officially become a driving partner.

#6 – Does Uber or Uber EATS pay more?

Uber drivers tend to get paid more than Uber EATS drivers.

#7 – Does Uber EATS provide auto insurance?

They provide a $1 million liability coverage policy per covered incident.

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