---
title: "Insurance for Rideshare Drivers | Uber"
description: "Uber’s rideshare insurance guidance explains how coverage changes when a driver is offline, online and available, en route, or on-trip, and how personal auto insurance fits into each state. Drivers must maintain personal insurance at mandatory minimum limits, while Uber maintains commercial coverage on their behalf; repair coverage while en route or on-trip depends on comprehensive and collision coverage in the personal policy. When a driver is at fault while en route or on-trip, Uber lists at least $1 million in coverage for property damage and injuries to riders and third parties, plus vehicle-damage protection up to actual cash value with a $2,500 deductible, subject to conditions. The guidance also outlines optional protections, state-dependent coverages, certificates of insurance, and accident-reporting steps through the Driver app."
---

# Insurance for Rideshare Drivers | Uber

[Uber](https://yomu.fyi/company/uber) · Aug 14, 2026

**Type:** Explainer

## Summary

Uber’s rideshare insurance guidance explains how coverage changes when a driver is offline, online and available, en route, or on-trip, and how personal auto insurance fits into each state. Drivers must maintain personal insurance at mandatory minimum limits, while Uber maintains commercial coverage on their behalf; repair coverage while en route or on-trip depends on comprehensive and collision coverage in the personal policy. When a driver is at fault while en route or on-trip, Uber lists at least $1 million in coverage for property damage and injuries to riders and third parties, plus vehicle-damage protection up to actual cash value with a $2,500 deductible, subject to conditions. The guidance also outlines optional protections, state-dependent coverages, certificates of insurance, and accident-reporting steps through the Driver app.

## Context

Transportation network company drivers in most states must carry extra insurance. Coverage varies according to whether the driver is offline, online and available, en route, or on-trip, as well as fault and the driver’s personal policy.

## Approach / What changed

Uber maintains commercial auto insurance for qualifying rideshare activity and describes coverage by driver status, including liability, vehicle repair, and state-dependent protections. It also provides accident-reporting instructions through the Driver app and points drivers to state-specific Certificates of Insurance.

## Takeaways

- Offline driving is covered by the driver’s personal auto insurance, which must meet mandatory minimum limits and be documented to drive with Uber.
- For an at-fault accident while en route or on-trip, Uber lists at least $1 million in coverage for property damage and injuries to riders and third parties.
- Contingent vehicle-damage coverage can pay up to actual cash value with a $2,500 deductible, but requires comprehensive and collision coverage on the personal policy.

**Tags:** [Uber](https://yomu.fyi/topic/uber)

- Source: [Uber](https://www.uber.com/us/en/blog/uber-us-insurance)
- Source URL: https://www.uber.com/us/en/blog/uber-us-insurance
- Ingested by Yomu: 2026-09-09T16:01:45.949Z

[Read original post](https://www.uber.com/us/en/blog/uber-us-insurance)