Best Insurance for Uber Drivers with High Mileage

Driving for Uber can be a lucrative side hustle or even a full-time career, but one challenge many drivers face is finding the right insurance—especially if they log high mileage. Standard personal auto insurance policies often fall short because they don’t cover commercial activities or excessive driving. Meanwhile, Uber’s own insurance has gaps that could leave you financially vulnerable.

In this guide, we’ll break down the best insurance options for high-mileage Uber drivers, how to save money, and what to watch out for when choosing coverage.

Why High-Mileage Uber Drivers Need Specialized Insurance

The Risks of Using Personal Insurance

Most personal auto insurance policies exclude commercial use, meaning if you’re in an accident while driving for Uber, your insurer might deny your claim. Even if Uber provides contingent liability coverage when you’re logged into the app, it may not be enough—especially if you drive long distances daily.

Uber’s Insurance Gaps

Uber offers insurance in three phases:
1. Offline/Personal Use – No coverage from Uber.
2. App On, Waiting for a Ride – Contingent liability coverage (usually $50,000/$100,000/$25,000).
3. On a Trip – Higher coverage limits (up to $1 million in liability).

However, Uber’s policy doesn’t cover:
- Physical damage to your car (unless you opt for collision coverage).
- Medical payments for you or your passengers.
- Uninsured/underinsured motorist protection in some states.

If you drive 50,000+ miles a year, these gaps become riskier.

Top Insurance Options for High-Mileage Uber Drivers

1. Rideshare Endorsements (Add-Ons)

Some insurers, like State Farm, Allstate, and Progressive, offer rideshare endorsements that fill the gaps between personal and Uber’s insurance.

Pros:
- Affordable (often $15–$30/month extra).
- Seamless coverage whether you’re driving for Uber or personally.

Cons:
- May still have mileage restrictions.

2. Commercial Auto Insurance

If you drive full-time for Uber, a commercial policy might be better.

Best for:
- Drivers logging 80,000+ miles/year.
- Those using luxury or high-value vehicles.

Pros:
- Higher liability limits.
- Covers all business-related driving.

Cons:
- More expensive (could be $200–$400/month).

3. Hybrid (Rideshare-Specific) Policies

Companies like James River Insurance and Zurich offer hybrid policies designed for gig workers.

Key Features:
- Covers personal and commercial use.
- Often includes gap coverage when Uber’s insurance isn’t active.

4. Pay-Per-Mile Insurance

If you drive sporadically, pay-per-mile insurance (e.g., Metromile) could save money.

How It Works:
- Base rate + per-mile fee (e.g., $40/month + 6¢/mile).
- Best for low-to-moderate mileage drivers.

How to Save on Insurance as a High-Mileage Uber Driver

✔ Bundle Policies

If you already have renters/homeowners insurance, bundling with the same provider can cut costs.

✔ Increase Your Deductible

A higher deductible (e.g., $1,000 instead of $500) lowers premiums—just make sure you can afford the out-of-pocket cost if needed.

✔ Maintain a Clean Driving Record

Traffic violations and accidents spike premiums. Defensive driving courses can sometimes offset this.

✔ Shop Around Annually

Insurance rates fluctuate. Comparing quotes every year ensures you’re not overpaying.

Red Flags to Avoid When Choosing Insurance

❌ Unlimited Mileage Myths

Some insurers claim "unlimited mileage" but bury restrictions in fine print. Always verify.

❌ Missing Uninsured Motorist Coverage

If another driver hits you and lacks insurance, this coverage protects you. Don’t skip it.

❌ Ignoring State Requirements

Each state has different minimums for rideshare insurance. For example, New York requires $75,000/$150,000/$25,000 coverage, while California mandates $50,000/$100,000/$30,000.

Final Tips for Long-Distance Uber Drivers

• Track Your Mileage – Use apps like Stride or Hurdlr to log miles for tax deductions.
• Consider Vehicle Wear-and-Tear – High mileage means more maintenance. Opt for a reliable, fuel-efficient car.
• Review Uber’s Policy Changes – Uber occasionally updates its insurance terms. Stay informed to avoid surprises.

By choosing the right insurance, you protect yourself, your passengers, and your earnings—no matter how many miles you drive.