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Does driving for Uber affect your insurance?

I was thinking about moonlighting with Uber to earn some extra cash. The only issue is that I’m not sure it will increase my insurance rates and eat into my profits. Will driving for Uber affect your insurance?

Eric Schad · Updated on Mar 16, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

While driving for Uber is a great way to supplement your income, it has a few drawbacks. One of them is your insurance. Driving for Uber affects your

because you’re driving more and you’re more likely to file a claim, at least in the eyes of insurers. As a result, driving for Uber will increase your insurance premiums.

In addition, your car insurance rates may increase due to the need for

rideshare coverage

. This type of insurance covers you while you’re chauffeuring passengers around and may cover situations that your normal car insurance doesn’t.

While your car insurance rates may increase as a result of driving for Uber, you can offset this cost by shopping around for cheap auto insurance with the

app.

Jerry is a licensed insurance broker that will find you the lowest quotes from over 50 top-rated insurers in minutes. After you find a great rate, Jerry can help you buy new insurance and cancel your old policy. Users save an average of $887 per year.

MORE:

Does my car insurance cover me if I drive for Uber or Lyft?

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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