The best car insurance companies for UberEats drivers include Progressive, State Farm, and Liberty Mutual, offering rates starting at just $105/month. Progressive ranks first because of its flexible policy management options.

As an UberEats driver, it's essential to understand your car insurance options to find the right coverage. This guide for understanding car insurance reviews the leading providers for UberEats drivers, focusing on those that offer extensive coverage at reasonable prices and strong customer service.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	10%	A+	Flexible Coverage	Progressive
	#2	17%	B	Reliable Service	State Farm
	#3	25%	A	Quick Claims	Liberty Mutual
	#4	25%	A+	Strong Support	Allstate
	#5	25%	A++	Affordable Rates	Geico
	#6	25%	A	Personalized Service	American Family
	#7	13%	A++	Customized Plans	Travelers
	#8	10%	A++	Member Benefits	USAA
	#9	20%	A+	Nationwide Network	Nationwide
	#10	20%	A	Experience Matters	Farmers

It also identifies typical coverage gaps, contrasts the costs of basic and full coverage, and reviews available discounts, helping you secure the most suitable insurance for your needs. See if you’re getting the best deal on car insurance by entering your ZIP code above.

What You Should Know

• How to manage insurance policy as an UberEats Driver
• Progressive's the top choice for UberEarts drivers
• Explore the car insurance discounts available for UberEarts drivers

#1 – Progressive: Top Overall Pick

Pros

• Flexible Gig Worker Policies: Adjust coverage based on delivery schedules. Progressive car insurance review details options for UberEats drivers.
• 24/7 Claims Service: Round-the-clock assistance for late-night delivery incidents, ensuring minimal disruption to your UberEats work schedule.
• Mobile Policy Management: App allows quick insurance tasks between deliveries, saving time for busy UberEats drivers.

Cons

• Few Food Delivery-Specific Discounts: Limited savings opportunities targeting UberEats workers, potentially missing out on industry-specific cost reductions.
• Newer to Food Delivery Insurance: Less experience with UberEats-related claims compared to specialized insurers, potentially affecting claim handling efficiency.

#2 – State Farm: Best for Reliable Service

Pros

• Large Local Agent Network: Agents offer personalized advice for food delivery work, addressing specific UberEats insurance needs.
• Drive Safe & Save Program: Rewards efficient UberEats route planning. State Farm car insurance review explains program benefits.
• Emergency Road Service: Quick assistance for breakdowns during UberEats deliveries, minimizing downtime and lost earnings.

Cons

• Limited Online Quoting for Gig Workers: Difficult to get accurate online quotes for UberEats delivery work, requiring agent consultation.
• Higher Urban Delivery Area Rates: Increased premiums in dense urban areas where many UberEats deliveries occur.

#3 – Liberty Mutual: Best for Quick Claims

Pros

• Fast Claims Process: Quickly report UberEats-related accidents to minimize delivery downtime and maintain your gig work schedule.
• 25% Bundling Discount: Reduce costs by combining UberEats auto policy with other insurance. Liberty Mutual review lists more discounts.
• Teacher Discount: Extra savings for educators doing UberEats as a side gig, potentially stacking discounts.

Cons

• Strict Mileage Limits: High-mileage UberEats drivers may need expensive commercial coverage, increasing overall insurance costs.
• Inconsistent Coverage by State: UberEats insurance quality varies by location, potentially affecting coverage consistency for multi-state drivers.

#4 – Allstate: Best for Strong Support

Pros

• Rideshare Endorsement: Covers UberEats drivers from order acceptance to delivery completion. Allstate car insurance review provides endorsement details.
• Flexible Deductibles: Adjust out-of-pocket costs based on UberEats income fluctuations, balancing premiums with deductible amounts.
• 24/7 Claims Service: Round-the-clock assistance for late-night or early morning UberEats delivery incidents.

Cons

• Complex Part-Time Policies: Confusing coverage determination for occasional UberEats work, potentially leading to coverage gaps.
• Higher Post-Claim Premiums: Significant rate increases after UberEats-related claims, impacting long-term insurance costs.

#5 – Geico: Best for Affordable Rates

Pros

• Low-Cost Full Coverage: $230 for comprehensive protection. Guide to switching insurance explains potential savings for UberEats drivers.
• Multi-Vehicle Discount: Reduced rates when insuring multiple UberEats delivery vehicles, beneficial for expanding operations.
• Mechanical Breakdown Coverage: Extra protection against repairs for high-mileage UberEats vehicles, potentially saving on maintenance costs.

Cons

• 17% Bundling Discount: Less savings potential compared to competitors' 25% for UberEats drivers combining policies.
• Strict Rate Criteria: High-mileage UberEats work may disqualify drivers from best rates, potentially increasing overall costs.

#6 – American Family: Best for Personalized Service

Pros

• Gig Work Coverage Options: Policies for various delivery schedules. American Family review outlines UberEats-specific coverage.
• MyAmFam App: Manage policies and access insurance cards between UberEats deliveries, streamlining insurance tasks.
• Gap Coverage: Protects newer UberEats delivery vehicles against depreciation if totaled, safeguarding your investment.

Cons

• Limited State Availability: Not offered in all states, potentially forcing UberEats drivers to seek alternatives.
• Higher Post-Claim Premiums: Significant rate increases after UberEats-related claims compared to gig-specialized insurers.

#7 – Travelers: Best for Customized Plans

Pros

• Accident Forgiveness: Prevents rate increases after first at-fault accident, valuable for UberEats drivers' increased road time.
• New Car Replacement: Replaces totaled UberEats vehicles. Travelers car insurance review details coverage for delivery vehicles.
• Customized Plans: Offers flexible plans tailored to UberEats drivers, ensuring they get the right coverage without unnecessary extras.

Cons

• Complex UberEats Claims: Distinguishing between personal and delivery use can complicate the claims process for drivers.
• Strict Mileage Limits: UberEats drivers with high annual mileage may require expensive commercial coverage, increasing insurance costs.

#8 – USAA: Best for Member Benefits

Pros

• Lowest Full Coverage Rate: Most affordable comprehensive protection for eligible UberEats drivers. USAA car insurance review explains military-specific benefits.
• SafePilot Program: UberEats drivers can earn discounts for safe driving during both personal trips and food deliveries.
• Military-Specific Discounts: Exclusive savings for active duty, retired military, or military families doing UberEats work.

Cons

• Coverage Gaps for Full-Time Drivers: Rideshare gap coverage may be insufficient for full-time UberEats drivers, requiring additional protection.
• Limited In-Person Support: Primarily online and phone-based, potentially inconvenient for UberEats drivers preferring face-to-face insurance discussions.

#9 – Nationwide: Best for Nationwide Network

Pros

• Roadside Assistance: Helps with UberEats delivery breakdowns, minimizing downtime. Nationwide car insurance review details service for gig drivers.
• Multi-Policy Discounts: Save by bundling UberEats auto insurance with other policies, offsetting gig work insurance costs.
• Gap Insurance: Protects financed UberEats vehicles against owing money if totaled, securing your delivery vehicle investment.

Cons

• Limited Equipment Coverage: Policies may not adequately cover UberEats-specific equipment like insulated bags or phone mounts.
• Slow Gig Economy Adaptation: Policy updates may lag behind emerging UberEats trends, potentially leaving coverage gaps.

#10 – Farmers: Best for Experience Matters

Pros

• Incident Forgiveness: Protects UberEats drivers from rate increases after first at-fault accident. Farmers car insurance review explains coverage for gig work.
• Adjustable Deductibles: UberEats drivers can balance premiums with out-of-pocket costs based on fluctuating delivery income.
• New Car Pledge: Replaces totaled UberEats vehicles under two years old, providing peace of mind for newer delivery cars.

Cons

• Strict Vehicle Age Rules: May force UberEats drivers to upgrade vehicles more frequently for optimal coverage and rates.
• Limited Seasonal Driver Flexibility: Policies may not accommodate UberEats drivers who only work during specific seasons or peak periods.

Basic and Full Coverage Prices for UberEats Drivers

How much does car insurance cost per month? Knowing what should be the monthly cost and choosing the right car insurance can be confusing, but we’ve made it easier for you. We created a simple chart that shows the different monthly prices for basic and full insurance from the best companies. This way, you can easily see what your choices are.

Insurance Company	Minimum Coverage	Full Coverage
	$135	$280
	$125	$260
	$130	$275
	$110	$230
	$132	$270
	$125	$265
	$120	$250
	$115	$240
	$140	$290
	$105	$220

It's important to think about how much something costs, but it's also really important to look at how good the protection is and how well the company helps its customers. We suggest asking for specific prices from different companies and reading all the details carefully before you choose one.

Common Coverage Gaps for UberEats Drivers

UberEats drivers may face coverage gaps including inadequate protection for high-mileage vehicles, limited coverage for delivery equipment, and potential deficiencies in full-time coverage.

High-mileage vehicles might not be fully covered for repairs or replacement. Vehicles that are driven frequently for deliveries might experience wear and tear not fully covered by standard policies.

If you are driving full-time, some policies may not provide adequate protection without supplementary commercial insurance. To address these issues, drivers should seek car insurance companies for delivery drivers offering specific coverage for high-mileage vehicles and delivery equipment, and consider additional policies to ensure comprehensive protection.

Discounts for UberEats Drivers to Save on Premiums

Driving for UberEats often means spending more time on the road, which can impact your car insurance premiums. Fortunately, many insurance companies offer discounts that can help UberEats drivers save on their car insurance. Here are some of the best discounts available for UberEats drivers from top insurance providers:

Insurance Company	Available Discount
	Drivewise, Bundling, Safe Driving Club, Responsible Payer
	KnowYourDrive, Bundling, Accident-Free, Low Mileage
	Signal Program, Bundling, Good Driver, Pay-In-Full
	DriveEasy Program, Bundling, Good Driver, Vehicle Safety Equipment
	RightTrack Program, Bundling, Accident-Free, Vehicle Safety Features
	SmartRide Program, Bundling, Accident-Free, Safe Driver
	Usage-Based, Bundling, Safe Driver, Continuous Insurance
	Drive Safe & Save, Bundling, Accident-Free, Safe Driver
	IntelliDrive Program, Bundling, Safe Driver, Hybrid/Electric Vehicle
	SafePilot Program, Bundling, Defensive Driving Course, Low Annual Mileage

These discounts can help UberEats drivers save on car insurance premiums, making it more affordable to stay covered while working. Top ways customers have saved money on car insurance rates include good driver discounts, multi-policy, good student car insurance discount, and usage-based insurance programs.

Be sure to check with your insurance provider to see which discounts you qualify for and how you can take advantage of them.

Managing Insurance Policy as an UberEats Driver

Managing your insurance policy effectively is key to staying protected while driving for UberEats. Utilize mobile apps provided by insurers to:

• Track Your Policy: Monitor coverage details, make payments, and access your insurance card directly from your phone.
• Report Claims: Know when to file car insurance claim. Quickly report accidents or issues through the app to minimize downtime.
• Adjust Coverage: Make necessary adjustments to your coverage based on changes in your delivery schedule or vehicle use.

Regularly review your policy and adjust it as needed to ensure it continues to meet your evolving needs as an UberEats driver.

Find the Best UberEats Drivers Coverage and Save Now

As an UberEats driver, it's essential to have the right car insurance. Several top options like Progressive, State Farm, and Liberty Mutual offer customizable policies tailored to your needs. Look for the best car insurance companies for roadside assistance, offers affordable rates, and quick claims processing.

Ensure you get coverage that fills common gaps, and consider bundling discounts and flexible deductibles. Comparing basic and full coverage rates will help you find the best value. Additionally, take advantage of available discounts specifically for UberEats drivers to maximize your savings while staying protected on the road.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.

Frequenty Asked Questions

Does Uber Eats come with insurance?

Uber Eats provides a limited insurance policy that covers liability when you're en route to pick up or deliver an order. However, it doesn’t cover damage to your vehicle or injuries you may sustain, so additional rideshare insurance is recommended.

How to claim Uber compensation?

To claim compensation, contact Uber's customer service through the app, detailing the issue with your trip. You may need to provide evidence, such as receipts or screenshots, depending on the nature of your claim.

What is the best insurance for Uber?

The best car insurance companies for Uber drivers typically includes companies like Progressive, State Farm, and Liberty Mutual, which offer customizable policies designed for gig workers. Consider comparing policies to find the best fit for your specific needs.

What is the cheapest car insurance for Uber drivers?

Geico, Progressive, and State Farm offer some of the cheapest car insurance rates for Uber drivers, starting as low as $105 per month for minimum coverage, though rates vary depending on location and driving history.

Don’t let expensive insurance rates hold you back. Enter your ZIP code below and shop for affordable premiums from the top companies.

Do I need rideshare insurance for Uber in California?

Yes, California requires Uber drivers to carry rideshare insurance, as personal auto insurance does not cover accidents that occur while driving for Uber.

Can I use personal insurance while driving for Uber Eats?

No, standard personal insurance policies often exclude coverage during commercial activities such as food delivery, so you need to add a rideshare endorsement or purchase a separate policy for adequate protection.

Read More: What Is Non-Standard Auto Insurance?

Does Uber provide full coverage insurance for drivers?

No, Uber does not offer full coverage insurance for its drivers. Their policy only covers liability, leaving drivers to purchase additional comprehensive or collision coverage on their own.

What happens if I don't have rideshare insurance?

If you’re involved in an accident while driving for Uber Eats and lack rideshare insurance, your personal policy may deny the claim, leaving you responsible for damages and legal costs.

Can I bundle my personal and rideshare insurance?

Yes, many companies like Progressive and State Farm offer bundling options that combine personal and rideshare coverage, potentially saving you money on your premiums. Read our article titled "Best Rideshare Insurance Companies for Drivers" for more information.

How can I lower my insurance costs as an Uber Eats driver?

You can lower costs by taking advantage of discounts like safe driving, bundling, or usage-based insurance programs, and maintaining a clean driving record.

See how much you could save on coverage by entering your ZIP code into our free quote comparison tool below.