In today’s fast-paced world, Uber has revolutionized the way we commute. It’s not just a convenient ride-sharing service; it’s also a source of income for many Californians. But have you ever wondered about the insurance coverage when you’re driving or riding with Uber in California? In this comprehensive guide, we’ll explore all the essential aspects of Uber auto insurance in the Golden State.

Understanding Uber Auto Insurance in California

1. The Basics of Uber Auto Insurance

Uber provides a unique insurance policy that covers drivers and passengers during trips. It includes liability coverage, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage.

2. When Uber Insurance Applies

Uber’s insurance coverage comes into play during specific phases of a trip:

  • Phase 1: App on, waiting for a ride request
  • Phase 2: En route to pick up a passenger
  • Phase 3: Transporting the passenger to their destination

3. Primary and Secondary Insurance

Uber’s insurance functions as primary coverage when the app is on and the driver is actively engaged in a ride. When the driver’s personal insurance doesn’t cover an incident, Uber’s insurance steps in.

The Key Components of Uber Auto Insurance

4. Liability Coverage

During Phase 1, Uber provides liability coverage of up to $50,000 per person injured in an accident, $100,000 total injury liability per accident, and $30,000 property damage liability per accident.

5. Uninsured/Underinsured Motorist Coverage

This coverage protects you and your passengers if an at-fault driver doesn’t have adequate insurance. Uber offers up to $1 million in uninsured/underinsured motorist bodily injury coverage during all phases.

6. Contingent Comprehensive and Collision Coverage

Uber offers coverage for physical damage to your vehicle during Phase 2 and Phase 3, but only if you have personal comprehensive and collision insurance.

How to Ensure Full Coverage

7. Personal Insurance Policy

Drivers are required to maintain their personal insurance policy that meets California’s minimum requirements.

8. Uber’s Deductibles

Uber has a deductible for comprehensive and collision coverage. It’s $1,000 for Phase 2 and Phase 3. However, if the at-fault driver is uninsured, there’s no deductible.

9. Periods of Uncertainty

There are gray areas when the app is on, but a driver hasn’t accepted a ride request. In such cases, your personal insurance may apply.

The Fine Print: Limitations and Exclusions

10. Coverage Limits

Uber’s insurance may not cover all medical expenses and may not apply in certain situations, such as when the driver is at fault.

11. Personal Property

Uber’s coverage primarily focuses on bodily injuries and property damage but may not cover personal property in the vehicle.

The Importance of Being Informed

12. Reporting Accidents

In the event of an accident, it’s crucial to report it to both Uber and your personal insurance provider promptly.

13. Communicate Openly

Transparency with your insurance provider about your Uber driving activities can help you avoid potential coverage gaps.

The Benefits of Uber’s Insurance Coverage

14. Medical Coverage

One of the advantages of Uber’s insurance coverage is that it often includes medical coverage. In the unfortunate event of an accident during a trip, this coverage can help pay for medical expenses for both drivers and passengers. It can be a significant relief, especially if you don’t have personal health insurance that covers accidents.

15. Additional Coverage for Passengers

Uber also offers liability coverage for passengers. This means that if a passenger is injured during a ride, they may be covered by Uber’s insurance, providing them with a sense of security when using the service.

The Costs of Being an Uber Driver

16. Increased Personal Insurance Costs

While Uber provides insurance coverage during specific phases of driving, it’s important to note that being an Uber driver can lead to increased personal insurance costs. Insurance companies may consider you a higher risk due to your involvement in ridesharing, and therefore, your premiums may go up.

17. Deductibles and Out-of-Pocket Expenses

As mentioned earlier, Uber has deductibles for comprehensive and collision coverage. If your vehicle sustains damage during a ride and you need to make a claim, you’ll be responsible for these deductibles. It’s essential to factor in these potential out-of-pocket expenses when considering the financial aspects of being an Uber driver.

Staying Safe on the Road

18. Defensive Driving

To minimize the risk of accidents and insurance claims, Uber drivers should prioritize defensive driving. Staying attentive, obeying traffic rules, and avoiding distractions can significantly contribute to your safety and the safety of your passengers.

19. Maintaining Your Vehicle

Regular vehicle maintenance is crucial when you’re driving for Uber. Ensuring that your vehicle is in excellent condition can reduce the likelihood of breakdowns or accidents caused by mechanical failures.

20. Educating Passengers

As a driver, you can play a role in passenger safety by educating them about seatbelt usage and responsible behavior during the ride. Encourage passengers to fasten their seatbelts and avoid distracting the driver.

Insurance Options for Uber Drivers

21. Commercial Insurance

For drivers who engage in ridesharing frequently, considering commercial insurance might be a wise decision. Commercial insurance policies are designed to cover the unique risks associated with ridesharing and may offer more comprehensive coverage than personal auto insurance policies.

22. Gap Insurance

Gap insurance is another option to consider, especially if you’re financing your vehicle. Gap insurance covers the difference between the actual cash value of your car and the outstanding balance on your loan or lease if your vehicle is totaled.

Uber’s Commitment to Safety

23. Background Checks

Uber conducts background checks on all potential drivers to ensure they meet certain safety standards. This includes looking into a driver’s criminal history and driving record.

24. In-App Safety Features

Uber provides in-app safety features such as sharing trip details with friends or family, GPS tracking during trips, and a two-way rating system that allows both drivers and passengers to rate each other.


In conclusion, Uber auto insurance in California is a multifaceted topic that requires careful consideration for both drivers and passengers. While Uber provides insurance coverage during trips, it’s essential to understand the limitations and the need for personal insurance that complies with state requirements.

For drivers, maintaining personal insurance, being aware of deductibles, and considering additional coverage options are crucial steps to safeguard their financial well-being. Defensive driving and vehicle maintenance should always be a priority to ensure everyone’s safety on the road.

Uber’s commitment to safety through background checks and in-app features further enhances the overall experience for both drivers and passengers.

By staying informed and proactive, you can make the most of your Uber experience in California, whether you’re behind the wheel or enjoying the convenience of a ride. Remember that safety and awareness are key to a smooth and secure journey.


1. Is Uber’s insurance sufficient for drivers in California?

Uber provides coverage, but it’s essential to have personal insurance that meets state requirements for complete protection.

2. What should I do if I’m involved in an accident while driving for Uber?

Report the accident to Uber and your personal insurance provider immediately to ensure proper coverage.

3. Does Uber’s insurance cover my personal belongings in the car?

Uber’s insurance primarily focuses on bodily injuries and property damage and may not cover personal items in your vehicle.

4. Are there any situations where Uber’s insurance may not apply?

Uber’s insurance may not apply when the driver is at fault or during periods of uncertainty when the app is on, but a ride hasn’t been accepted.

5. What if the at-fault driver in an accident is uninsured?

Uber offers uninsured/underinsured motorist coverage of up to $1 million to protect you and your passengers in such cases.