Uber provides insurance coverage for drivers in San Francisco, but the amount of protection depends on whether the app is off, waiting for a ride request, or an active trip is underway.
This guide explains how Uber insurance works locally. For a full overview of local requirements, see San Francisco Rideshare Insurance for Uber & Lyft Drivers.
How Uber Insurance Works in California
California law requires rideshare companies like Uber to provide insurance coverage once the rideshare app is active. Coverage increases significantly once a ride request is accepted.
- App Off: Your personal auto insurance applies.
- App On – Waiting for Request: Uber provides limited liability coverage.
- Ride Accepted / Passenger Onboard: Uber provides up to $1 million in liability coverage.
Coverage Gaps Drivers Should Know
One of the biggest issues for San Francisco drivers is the coverage gap that can occur when the rideshare app is on but a ride has not yet been accepted. During this period, personal auto policies may deny claims if rideshare activity is detected.
Do San Francisco Uber Drivers Need Rideshare Insurance?
Many drivers add a rideshare endorsement to their personal policy to cover this gap and maintain continuous protection while driving for Uber.
Drivers comparing coverage options can review Best Rideshare Insurance in San Francisco.
Related California Rideshare Insurance Guides
Drivers operating in other California markets may also want to review: