If you drive for Uber in Maine, the company provides insurance coverage while the app is active. However, coverage levels change depending on whether you are waiting for a ride request, en route to a passenger, or actively transporting a rider.
This guide explains how Uber insurance coverage works in Maine and when additional rideshare-compatible personal insurance may be necessary. For a full overview of state requirements and policy coordination, see our Maine rideshare insurance guide.
When Does Uber Insurance Apply in Maine?
Uber’s insurance policy applies only when the app is turned on. Coverage differs depending on your driving period.
Period 1: App On, Waiting for a Ride Request
When you are logged into the Uber app and waiting for a request, Uber provides contingent liability coverage. This generally includes:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage
This coverage may apply only if your personal insurer denies the claim. Many drivers add a rideshare endorsement to avoid potential coverage gaps.
Period 2: En Route to Pick Up a Passenger
After you accept a ride request and are traveling to pick up a passenger, Uber’s commercial policy becomes primary.
- $1,000,000 third-party liability coverage
- Uninsured/underinsured motorist coverage
- Contingent comprehensive and collision (if carried on your personal policy)
Period 3: Passenger in the Vehicle
While transporting a passenger, Uber maintains $1 million in liability coverage through its commercial policy.
Does Uber Insurance Replace Personal Coverage?
No. Uber’s policy does not replace your personal auto insurance. Maine drivers must maintain compliant personal coverage that allows rideshare activity.
To understand the minimum insurance limits required under Maine law, review our Maine rideshare insurance requirements guide.
What About Cost Considerations?
The cost of adding rideshare coverage varies by insurer, vehicle, and driving profile. Many part-time drivers find that a rideshare endorsement is more affordable than a full commercial policy.
For a breakdown of pricing factors and premium expectations, see our Maine rideshare insurance cost guide.