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Do You Need Uber Eats Insurance?

Harry Campbell The Rideshare Guy
October 21, 2022

As an Uber Eats driver, you are required to obtain auto insurance that will meet your state's minimum financial responsibility. This article will walk you through what kind of car insurance is required for Uber Eats, why you need extra insurance as a driver and more helpful tips on finding the right Uber Eats insurance for you.

Buckle has partnered with Harry Campbell, founder of, to provide our Members with the very best tips, tricks, and news to help maximize their income as a rideshare and delivery driver.

Does Uber Eats provide insurance for their delivery drivers? Yes, Uber Eats does actually provide insurance to delivery drivers - in certain times and cases. Here’s what you need to know about the insurance Uber Eats provides you, and why you may want additional protection.

Uber Eats Insurance Requirements

Uber Eats provides insurance for their delivery drivers in several ways. However, coverage is limited to types of “periods” and does not cover everything. For example, Uber Eats provides third-party liability insurance if the driver’s personal auto insurance does not apply. Uber Eats also provides contingent comprehensive and collision insurance on the driver’s behalf in the scenario of a covered accident.

Here’s what delivery drivers with Uber Eats receive:  

“Uber maintains the following auto insurance on your behalf in case of a covered accident:

Third-party liability if your personal auto insurance doesn’t apply

$50,000 in bodily injury per person

$100,000 in bodily injury per accident

$25,000 in property damage per accident

En route to pick up deliveries and during trips

Uber maintains the following auto insurance on your behalf in case of a covered accident:

$1,000,000 third-party liability

Contingent comprehensive and collision

Up to actual cash value of car with a $2,500 deductible”

Uber Eats requires their drivers to have their own auto insurance coverage before delivering for them. Drivers must upload proof of their insurance before making deliveries. While Uber Eats does provide some protection to delivery drivers, Uber does encourage drivers to get additional insurance protection.  

Does Uber Eats Insurance Cover Accidents?

Uber Eats provides auto insurance for its drivers in case of a covered accident. They have third-party liability insurance if the driver’s personal auto insurance is not applicable to the accident/incident. The rates are $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.

On its drivers’ behalf, Uber Eats upholds additional auto insurance in the event of a covered accident. These also include a 1-million-dollar third-party liability and contingent comprehensive and collision (up to the car’s cash value with a $2,500 deductible). These rates do not apply to accidents that occur in New York State.

Another benefit to drivers that deliver with Uber Eats is that they have Injury Protection Insurance. A driver is eligible for this insurance as long as they are injured in an accident while delivering or driving for Uber in the state of California.  

Do You Need Special Insurance for Uber Eats?  

Should Uber Eats drivers get special insurance to drive for Uber Eats? Overall, it’s highly recommended drivers get additional insurance protection if they will be delivering with Uber Eats.

Uber Eats insurance is limited, which means that it does not cover you for accidents or incidents that occur when the driver is idle. When a driver is waiting for an order and is not engaged in an active delivery/order, they aren’t covered through Uber Eats insurance. This is why having personal insurance is necessary and highly recommended  

“But what if I already have auto insurance?” you may be asking. Well, unless you’ve specifically told your insurance company that you are driving for Uber Eats and they’re aware of it, you may not be as covered as you think. Most auto insurance does not cover drivers working for gigs like Uber Eats and DoorDash.  

It is imperative that drivers call their insurance providers to inquire about this very thing. If it is not covered, drivers should acquire specific insurance just for Uber Eats for this reason.  

Insurance Options for Delivery Drivers

Buckle is one such rideshare-specific insurance company that specifically covers delivery drivers. In addition to covering Uber Eats drivers, they also cover Instacart, Grubhub, and many other popular and common gig app drivers.

Buckle is not available in every state yet, but they are looking to expand. You can check out Buckle and get a quote right away here.

Not sure if Buckle is right for you? Getting a quote with Buckle is easy and free, and Buckle states on average, customers report saving $50-200 a month when they switch.* Plus, the peace of mind knowing you’re covered to drive with almost any gig company out there is pretty priceless!

While no one expects to get involved in an accident while driving for delivery companies, it, unfortunately, can happen. Whether it’s your fault or not, you want to be covered from every angle. While Uber Eats does provide insurance for delivery drivers, Uber recommends you enhance your coverage. One such company that provides that peace of mind is Buckle, which is geared specifically for delivery gig workers.  

Harry Campbell is a former Boeing Aerospace Engineer and founder of, a blog, podcast and Youtube channel for ridehail drivers and other gig workers and author of, The Rideshare Guide. Over the years, Harry has covered the gig economy industry closely and talked to tens of thousands of drivers and gig workers about their experience on the road.

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