Best Car Insurance for Uber Eats Delivery Drivers in 2025 (Top 10 Companies Ranked)
Geico, Allstate, and Farmers offer the best car insurance for Uber Eats delivery drivers, with rates starting at $50 monthly. These insurers provide coverage designed explicitly for rideshare purposes to keep drivers compliant with Uber Eats' requirements while keeping Uber food delivery insurance costs affordable.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an...
Licensed Insurance Agent
UPDATED: Apr 10, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 10, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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11,638 reviewsCompany Facts
Uber Eats Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
3,072 reviewsCompany Facts
Uber Eats Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviewsGeico, Allstate, and Farmers offer the best car insurance for Uber Eats delivery drivers. These companies offer affordable coverage with monthly rates starting at $50.
Geico is the top pick for the best car insurance for delivery drivers, offering low rates and comprehensive rideshare protection. Allstate provides strong coverage options, while Farmers offers flexible policies tailored for delivery drivers.
Our Top 10 Company Picks: Best Car Insurance for Uber Eats Delivery Drivers| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | A++ | Affordable Rates | Geico |
 | #2 | 20% | A+ | Comprehensive Coverage | Allstate |
 | #3 | 15% | A | Custom Policies | Farmers |
 | #4 | 17% | B | Customer Service | State Farm |
 | #5 | 10% | A+ | Snapshot Usage | Progressive |
 | #6 | 12% | A++ | Military Families | USAA |
 | #7 | 18% | A+ | Early Shoppers | Nationwide |
 | #8 | 13% | A+ | Mature Drivers | The Hartford |
 | #9 | 14% | A++ | Hybrid Vehicles | Travelers |
 | #10 | 11% | A | Flexible Options | Liberty Mutual |
Comparing these options ensures you meet Uber Eats’ insurance requirements while managing costs.
- Geico, Allstate, and Farmers offer top insurance for delivery drivers
- Coverage options are tailored for rideshare and delivery requirements
- Geico stands out with a 15% discount when bundling policies for drivers
But before you do, enter your ZIP code into our free comparison tool above to find affordable auto insurance near you.
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#1 – Geico: Top Overall Pick
Pros
- Low Rates for Delivery Drivers: This policy offers affordable coverage tailored to part-time and full-time Uber Eats drivers. It helps reduce expenses for gig workers on a tight budget.
- Driver-Friendly App Tools: The Mobile app lets drivers manage claims, policies, and documents. It is beneficial while actively delivering.
- Bundling Cuts Delivery Costs: Save up to 15% by bundling auto with renters or homeowners insurance. Ideal for gig workers juggling multiple needs.
Cons
- Few Custom Add-Ons for Gig Work: This option lacks equipment coverage or expanded rideshare endorsements, making it unsuitable for highly active delivery pros.
- Delayed Claims Can Affect Work: Slower claims resolution may keep drivers off the road longer, hurting income during peak delivery hours. Read more: Geico Auto Insurance Review.
#2 – Allstate: Best for Comprehensive Coverage
Pros
- Covers Delivery-Specific Risks: This offers thorough coverage that includes delivery-related incidents. Gives Uber Eats drivers peace of mind on busy routes.
- Claims Help When You Need It: Strong customer support for filing and resolving claims. Important for drivers working late or on weekends.
- Significant Bundling Discounts: Bundling auto with other policies can save you up to 20%, helping to offset the higher cost of premium coverage. Our Allstate auto insurance review dives into the details.
Cons
- Expensive for Full-Time Drivers: Premiums are higher for full-time gig workers, which may reduce net earnings for daily delivery drivers.
- Deductibles Can Be a Burden: Rideshare deductibles can be higher than average, leading to more out-of-pocket costs after an accident.
#3 – Farmers: Best for Custom Policies
Pros
- Tailored for Delivery Patterns: Offers flexible policies that accommodate part-time, full-time, and multi-platform gig drivers.
- Fast Claims for Active Drivers: Known for responsive service that quickly resolves delivery-related incidents. Explore this further in our Farmers Insurance review.
- Bundling Offers Solid Savings: Bundle auto with home or renters insurance and save up to 15%. Suitable for drivers needing multiple coverages.
Cons
- Fewer Discounts for Gig Workers: Less variety in savings opportunities than competitors. Could be a downside for budget-focused drivers.
- Custom Plans Raise Costs: While flexible, custom rideshare endorsements may come with a higher premium
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#4 – State Farm: Best for Customer Service
Pros
- Easy Help on Delivery Claims: A strong service reputation ensures you’re supported during accident claims, which is a plus when you’re mid-shift.
- Quick Payouts Keep You Working: Efficient claims processing limits downtime after an accident. Critical for maintaining income.
- Good Bundling Value for Drivers: 17% off when combining policies—great for drivers needing home or renters insurance.
Cons
- Fewer Rideshare Adjustments: There are limited policy enhancements for Uber Eats delivery work, and the policy may lack nuanced options. For a comprehensive overview, read our State Farm insurance review.
- Smaller Discount Pool: This insurer offers fewer total discounts than other top insurers, making it less ideal for drivers seeking maximum savings.
#5 – Progressive: Best for Usage-Based Insurance
Pros
- Rewards Safe Gig Driving: Snapshot program monitors driving behavior and can lower premiums for cautious Uber Eats drivers.
- Delivery-Friendly Policy Options: It offers a range of plans that align with personal and delivery driving needs. Uncover more by delving into our Progressive auto insurance review.
- Bundling Saves Drivers Money: Bundle policies for up to 10% savings, helping cut costs for full-time delivery drivers.
Cons
- Risk of Rate Hikes: Poor Snapshot performance can increase rates, even for part-time Uber Eats drivers.
- Steep Deductibles for Delivery Incidents: Rideshare-specific deductibles can be high, increasing costs after an accident.
#6 – USAA: Best for Military Families
Pros
- Tailored to Military Drivers: Specialized plans support Uber Eats drivers with a military background, which is excellent for service families.
- Excellent Service Reputation: Customer satisfaction makes claim handling easier and less stressful. Find out if USAA offers gap insurance.
- Substantial Bundling Discount: Military families can stretch their budgets by combining multiple policies, yielding up to 12% in savings.
Cons
- Military-Only Access: Only available to current/former military and their families. Not an option for civilian drivers.
- Limited Rideshare Flexibility: Fewer customization options for rideshare and delivery-specific insurance.
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#7 – Nationwide: Best for Early Shoppers
Pros
- Save by Planning: Offers discounts for buying insurance early—ideal for Uber Eats drivers prepping in advance.
- Broad Delivery Coverage: Offers strong base policies that can be extended to cover delivery-related activities.
- High Bundling Savings: Combine policies to save up to 18%. This is a good way to lower costs for multi-policy drivers.
Cons
- Costlier for Lastdon’tte Buyers: Premiums are higher if you don’t take advantage of early purchase discounts.
- Fewer Perks for Gig Work: Uber offers fewer delivery-driver-specific benefits than competitors. Read our Nationwide insurance review to find out more.
#8 – The Hartford: Best for Mature Drivers
Pros
- Coverage for Older Delivery Drivers: This offers plans tailored to senior Uber Eats drivers, with age-based perks.
- Forgives First Accident on the Job: Accident forgiveness protects older gig drivers from significant rate hikes. Learn more: How to Renew Your Car Insurance Policy with The Hartford.
- Bundling Perks for Experienced Drivers: Offers 13% off for combining policies, helping retirees keep costs low.
Cons
- Younger Drivers Pay More: It is less competitive for younger gig drivers—rates skew higher without age-based discounts.
- Few Delivery Incentives: Lacks robust incentives or discounts tied specifically to delivery driving.
#9 – Travelers: Best for Hybrid Vehicles
Pros
- Green Driving Pays Off: Discounts for Uber Eats drivers using hdrivers’r electric vehicles. Reduces eco-friendly drivers’ costs.
- Plans Fit Delivery Schedules: It offers flexible options that match full-time or occasional gig work schedules.
- Eco-Friendly Bundling Bonus: Up to 14% savings when bundling auto with home or other policies. For further details, read our Travelers auto insurance review.
Cons
- Higher Premiums for Non-Hybrids: Gas-powered vehicle drivers may face higher rates, which means less benefit. They are Ride-shareng green.
- Rideshare Plans Are Sparse: It doesn’t add-onsns specific ride-share delivery or rideshare driving.
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#10 – Liberty Mutual: Best for Flexible Options
Pros
- Flexible Insurance Plans: Liberty Mutual offers a wide range of customizable car insurance policies for Uber Eats delivery drivers.
- Accident Forgiveness Program: Liberty Mutual’s accident forgiveness helps drivers avoid rate hikes after their first insurance claim.
- 11% Bundling Discount: Drivers can save on insurance by bundling multiple policies with Liberty Mutual.
Cons
- Higher Comprehensive Coverage Costs: Liberty Mutual’s comprehensive insurance plans can have higher premiums.
- Slower Insurance Claims Processing: Liberty Mutual’s insurance claim process can be slower than other top providers. Please find out more by reading our Liberty Mutual auto insurance review.
Car Insurance Rates for Uber Eats Delivery Drivers by Provider and Coverage Level
Uber Eats delivery drivers can find varying monthly rates for car insurance based on the provider and coverage level. USAA offers the lowest rate for minimum coverage, $50 per month, while Liberty Mutual is on the higher end, at $65.
Uber Eats Delivery Drivers Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $62 | $160 |
| $59 | $152 |
| $55 | $145 |
| $65 | $170 |
| $57 | $148 |
| $58 | $150 |
| $60 | $155 |
| $63 | $165 |
| $56 | $147 |
| $50 | $140 |
Full coverage costs are generally higher, with USAA offering the most affordable option at $140 and Liberty Mutual again topping the chart at $170. These rates can provide valuable protection for those seeking the best gap insurance coverage.
Car Insurance Discounts for Uber Eats Delivery Drivers by Provider and Eligibility
Drivers must compare minimum and full coverage costs to determine the best insurance policy. Geico, for example, offers a competitive price of $55 for minimum coverage, while Allstate is $62.
Car Insurance Discounts From the Top Providers for Uber Eats Delivery Drivers| Insurance Company | Available Discounts |
|---|---|
| Bundling, Accident-Free, Anti-Theft, New Car |
| Bundling, Good Driver, Safe Driver |
| Bundling, Good Driver, Multi-Vehicle, Anti-Theft |
| Bundling, Accident-Free, Homeowner, Anti-Theft Device |
| Bundling, Good Driver, Accident-Free, Paperless |
| Bundling, Good Driver, Continuous Insurance |
| Bundling, Safe Driver, Accident-Free, Good Student |
| Bundling, Accident-Free, Defensive Driving, Good Driver |
| Bundling, Safe Driver, Accident-Free |
| Bundling, Safe Driver, Loyalty, Good Student |
Coverage levels and discounts will also affect the overall cost, so Uber Eats drivers should compare online car insurance quotes to save money and explore all available options.
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Uber Eats Auto Insurance Exists
Fortunately, the answer is yes. Uber Eats provides commercial auto insurance coverage to all its drivers. However, some terms and conditions apply.
Best car insurance coverage for UberEats drivers?
byu/sweetguyga inUberEATS
First, your Uber Eats auto insurance and personal liability insurance only kick in if you’re in an accident while actively driving for Uber Eats. This means your Uber Eats app must be online, and you must be on the clock; otherwise, neither Uber Eats nor your personal liability insurance will cover any damages.
If you get in an accident while on the clock and your auto insurance does not cover you, Uber Eats auto insurance will cover you up to these amounts:
- $50,000 in bodily injury per person
- $100,000 in bodily injury per accident
- $25,000 in property damage per accident
Uber Eats accident claims can be reported in the Uber Eats app. You can check out the full Uber Eats auto insurance coverage breakdown on the Uber Eats website.
Uber Eats Driver Requirements Explained
Uber Eats driver requirements vary by city, and the Uber Eats website will help you find out what the requirements are in your city. However, here are the basic requirements:
- First, you must be 19 years old and have at least one year of driving experience. This means your driver’s license must be at least one year old.
- Next, you must have a clean driving record with no significant violations for over seven years. You must also pass a background check and a safety screening.
- Finally, your car must be newer than a 1998 model.
Most importantly, you must have a personal auto insurance policy for the vehicle you plan to drive for Uber Eats. You cannot drive for Uber Eats without insurance.
Scott W. Johnson Licensed Insurance Agent
What are Uber Eats insurance requirements? Since Uber Eats offers commercial auto insurance, you must at least have liability coverage on your policy to drive for Uber Eats.
However, if you have collision and comprehensive coverage, Uber Eats will provide contingent comprehensive and collision coverage while you drive for Uber Eats. This, along with car accident mediation in the event of a dispute, offers additional protection for physical damage to your car up to its actual cash value, regardless of who is at fault.
3 Case Studies: Exploring Uber Eats Auto Insurance
These case studies show how Uber Eats drivers benefit from different auto insurance coverage options. Each scenario highlights how specific policies can protect drivers during accidents and help them manage costs effectively.
Case Study 1: Sarah’s Accident Coverage
Sarah is an Uber Eats delivery driver. One day, while on the clock delivering an order, she got into a car accident. Unfortunately, her auto insurance policy did not cover accidents that occur during work-related activities.
However, since Sarah had satisfied Uber Eats’ insurance requirements by having personal liability coverage, Uber Eats’ auto insurance policy covered the damages. Sarah was relieved that she had the necessary coverage and her processor control number on a health insurance card and didn’t have to bear the financial burden of the accident.
Case Study 2: John’s Comprehensive Protection
John drives for Uber Eats as a part-time gig. He already had a personal auto insurance policy that included collision and comprehensive coverage. Uber Eats offers contingent comprehensive and collision coverage to drivers with these coverages on their policy. One evening, John’s car was damaged while delivering food in a hit-and-run incident.
He immediately reported the incident through the Uber Eats app and filed a claim. Uber Eats’ contingent comprehensive and collision coverage and telematics insurance covered the repair costs of his vehicle, regardless of fault. John was grateful for the additional protection Uber Eats’ telematics insurance provided.
Case Study 3: Lisa’s Savings Strategy
Lisa recently started driving for Uber Eats and wanted to ensure she had the necessary insurance coverage while keeping her costs down. She compared insurance quotes from different companies to find the best rate. By reviewing three to four Uber Eats auto insurance quotes, Lisa saw an affordable policy that met the minimum liability requirements.
She also maintained collision and comprehensive coverage on her policy to take advantage of Uber Eats’ contingent coverage. She asked herself, “Is full coverage really full?” Lisa ensured her policy provided complete protection, securing the coverage she needed while saving money on her auto insurance.
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How to Save on Uber Eats Auto Insurance
While you won’t have to pay for Uber Eats auto insurance, you will still have to maintain at least a liability policy to drive for Uber Eats. If you want Uber Eats contingent comprehensive and collision coverage, you must have collision and comprehensive coverage on your policy.
These coverages can add up. What’s the best way to find affordable food delivery auto insurance rates? Comparison shopping online is the best way to find a deal. Reviewing three to four quotes from different companies for the best car insurance for Uber Eats delivery drivers will help you secure the best rate.
Ready to get started? Enter your ZIP code into our free comparison tool below to buy auto insurance for delivery drivers from providers in your area.
Frequently Asked Questions
What is the best insurance for Uber Eats drivers?
The best insurance for Uber Eats drivers includes Geico, Allstate, and Farmers, as they offer affordable, comprehensive coverage tailored to delivery drivers.
Do you need food delivery insurance for Uber Eats?
Yes, you need food delivery insurance to ensure you’re covered for business use while delivering for Uber Eats, as personal auto policies may not suffice.
Does driving for Uber Eats raise insurance rates?
Yes, driving for Uber Eats can raise insurance rates due to the increased risk of being on the road more frequently, which may require additional rideshare insurance coverage.
What insurance do you need for Uber Eats?
You need a commercial or rideshare insurance policy that covers business use while driving for Uber Eats.
To lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
What kind of insurance do I need to be an Uber Eats driver?
You need rideshare insurance or a commercial policy that covers both personal and business use of your vehicle for Uber Eats.
Can you get Uber food delivery insurance pay as you go?
Yes, some companies offer pay-as-you-go options, and what you should know about auto insurance is that these plans can help reduce costs for part-time Uber Eats drivers.
What are Uber Eats’ car insurance requirements?
Uber Eats requires you to have personal car insurance that meets your state’s minimum requirements, but rideshare or commercial coverage is strongly recommended.
What are the Uber Eats car requirements in Florida?
In Florida, Uber Eats drivers must have valid car insurance, meet the state’s minimum coverage requirements, and maintain a reliable vehicle.
Do I need rideshare insurance for Uber Eats?
Yes, rideshare insurance is necessary for Uber Eats to bridge the gap between personal auto coverage and Uber’s commercial insurance, making it essential to choose the best car insurance for rideshare drivers. Following the right Uber Eats driver policy ensures compliance, while the best insurance for Uber Eats provides complete protection during deliveries.
Do Uber Eats drivers need commercial insurance?
While not mandatory, commercial insurance is recommended to ensure full coverage while delivering for Uber Eats, especially if your personal policy doesn’t cover business use.
What type of coverage does Uber Eats provide?
Uber Eats provides limited liability coverage when the app is on but may not cover accidents during deliveries unless you have additional rideshare or commercial insurance.
Does Uber Eats cover damaged food?
No, Uber Eats does not cover damaged food. It’s typically up to the restaurant or driver to ensure safe delivery, but having the right auto insurance and Uber Eats food delivery insurance can help reduce risks. Choosing the best car insurance for Uber Eats drivers offers extra protection on the job.
How do I get a certificate of motor insurance for Uber Eats?
You can obtain a certificate of motor insurance by requesting it from your insurance provider once you’ve purchased the necessary coverage for Uber Eats deliveries.
Does Uber Eats affect my insurance?
Yes, driving for Uber Eats can affect your insurance by increasing your premiums or requiring you to add rideshare coverage to your policy.
Do you need a clean driving record for Uber Eats?
Yes, Uber Eats requires a clean driving record, as a history of accidents or violations could disqualify you from being a driver. Start saving on auto insurance by entering your ZIP code and comparing quotes.
Enter your ZIP code below to compare cheap insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.