Uber provides insurance coverage for drivers in Los Angeles, but the level of protection depends on your status 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 Los Angeles Rideshare Insurance for Uber & Lyft Drivers. Drivers in other California rideshare markets may also want to review our guides for San Francisco, San Diego, and Sacramento.
Uber Insurance Periods Explained
App Off
When the Uber app is off, your personal auto insurance policy applies. California minimum liability requirements must still be met.
Period 1 – Waiting for a Ride Request
When the Uber app is on but you have not accepted a ride request, Uber provides limited liability coverage. Many drivers add rideshare endorsements to ensure they remain protected during this period.
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability
Periods 2 & 3 – Ride Accepted or Passenger Onboard
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 those coverages exist on your personal policy.
Common Coverage Gaps for Los Angeles Uber Drivers
- Personal insurance exclusions during rideshare activity
- Limited protection while waiting for ride requests
- Higher deductibles under Uber’s vehicle damage coverage
Next Steps
Next, review Lyft Insurance Coverage in Los Angeles and compare pricing in Rideshare Insurance Cost in Los Angeles.