Uber provides insurance coverage for Austin drivers, but the level of protection depends on your driving period within the app. Coverage changes when the app is off, when you are waiting for a ride request, and when you are actively transporting a passenger.
For a full overview of rideshare insurance in the city, see Austin Rideshare Insurance for Uber & Lyft Drivers. Drivers in other Texas rideshare markets may also want to review our guides for Houston, Dallas, and San Antonio.
Uber Insurance Periods Explained
App Off
When the Uber app is off, your personal auto insurance policy applies. Texas minimum liability requirements must still be met.
Period 1 – Waiting for a Ride Request
Once the Uber app is turned on but you have not accepted a ride request, Uber provides limited liability coverage. Many personal auto policies do not cover this period without a rideshare endorsement.
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage liability
Periods 2 & 3 – Ride Accepted or Passenger in Vehicle
Once a ride request is accepted and while a passenger is in the vehicle, Uber provides up to $1 million in third-party liability coverage. Contingent comprehensive and collision coverage may also apply if you carry those coverages on your personal policy.
Common Coverage Gaps for Austin Uber Drivers
- Personal insurance exclusions during rideshare activity
- Limited protection during Period 1
- Higher deductibles for Uber collision claims
Next Steps
Next, review Lyft Insurance Coverage in Austin and compare pricing in Rideshare Insurance Cost in Austin.